BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a summons for a credit card debt that does not belong to me and this company is trying to take me to court for something that is not mine and i want them to stop contacting me by mail and phone. This is not even my name on the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi I have multiple Complain in my credit report for Incorrect information 1- my Credit age isn't correct it shows only 4 years with XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXit's over 6 year since XX/XX/XXXXwith XXXX XXXX XXXX 

2-Synchrony bank- Ashley card i Paid the total amount {$1900.00} and I bring the balance to {$0.00} they didn't report it over 1 month and they lowered my limits for {$5000.00} to {$1900.00} and damge my credit report 3-XX/XX/XXXXXXXX it shows that I have a late payment, Which is not correct I made the payment on time and I changed my bank account and I updated in the system, and they Try to take money from the old bank account that I already close and they didn't inform me with anything about the payment until I seen it on my report! And my payment history went down from % 100 to % 99 4-XX/XX/XXXX I didn't Authorise them to run my credit and they did it without me knowing over the phone 5XXXX XXXX XXXX I paid {$2000.00} and I lowered the amount from {$5400.00} to {$3400.00} and I didn't see that have been reported It. 

6-XX/XX/XXXX auto finance, they charged me high interest rate on my car that I Finance with them and I called them to lower my interest rates because of covd19 I get effected Financially they refuse to Cooperate with me and I never missed any payment.

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 2019-09-02
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt is already being settled with a debt relief program and the issue is a matter of the company setting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: National Credit Adjusters, LLC
State: TX
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 have previously filed a CFPB complaint via CFPB reference number XXXX ( PLEASE REFER TO THIS NUMBER ). In that complaint I outlined how National Credit Adjusters has violated my consumer rights by not properly validating the account within a timely manner. As of today, more than 90 days has elasped, and the company still continues to not provide the information I have requested on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
We are a small business, who applied for a SBA/PPP Loan last year via Citibank. After much back and forth, we were approved. however the process allowed a lot to be desired. As such, we decided to use a different lender for this years SBA/PPP loan. 

Attempting to fill out forms for the new round of SBA/PPP loan requires for us to submit our SBA Loan Application number.

Contacting our account manager, or branch directory, and at least 5 other people in Citibank and their branch we usually do business at in XXXX, NY. Noone is able to give us the SBA Loan application number, this is just a 10 digit number and is suppose to be available to us. 

They have actively refused to supply this loan number to us, and in a fashion to lock us into citibank only services. 

Multiple calls, and emails have been recorded requesting this information. 
The lastest round of email sent to citibank requesting this information has been ignored as usual. 
XX/XX/2021 XXXX, sent to XXXX, XXXX XX/XX/2021 XXXX sent to XXXX, XXXX, XXXX, XXXX. 
also has gone ignored. 

It is illegal to now give us the SBA Loan application number, and they are actively sabotaging our right to apply for a SBA/PPP loan with a different lender. 

I required your intervention as soon as possible. We literally just require a 10 digit number from them. We went as far to logging into their citibanks own forgiveness website, and we were greeted with a masked number. SBA / etrans number is : XXXX. In essence its been 2 weeks fighting citibank to give us this 10 digit number.

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 2018-02-08
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: Account information incorrect

Complaint:
Old closed accounts still show on credit report, and are hindering my credit, even though they have been paid in full and accounts have been closed for over 2 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I received a call from XXXX, they did not leave a voicemail. 
On XX/XX/2020 I received a call from XXXX, they left a voicemail at XXXX looking for a someone that I do not know. 
On XX/XX/2020 at XXXX I called the individual back and told them I do not know who this person is. They didn't ask me any other information, nor do I know what the debt was for. I then blocked the caller. 
On XX/XX/2020 at XXXX I received a notification from my phone that the caller from XXXX attempted to call me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-04
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 I discovered Receivables Performance had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 

It was deleted from my credit report XX/XX/2020 the collection company nor did XXXX  notify me to validate the debt nor did they notify within 5 days after the reinsertion I still havent received notification to this date. 

XXXX  just mailed me out a updated credit report and doesnt mention Receivables Performance at all

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 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion has not provided me with no proof or contract or sign agreement with XXXX that shows on my credit file. There has been no contract on behalf of Transunion nor XXXX that shows I agreed for century link to run hard credit XX/XX/ as it appears on my credit file. I have also file with the US Attorney on Transunion and XXXX XXXX to provide the document that shows I agreed to run credit or a agreement that show my signature for the said credit transaction. Transunion needs to provide proof from XXXX in documentation for not verbal or some made up XXXX of XXXX with nothing to support the claim in writing, contract, electronic signature of the said transactionXX/XX/19 by centurylink

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 submitted all the proper documentation for a block on my credit report, in accordance with section6058 of the fair reporting 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 explanation
Consumer complaint received 2021-02-21
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
eI am having a problem where i come out with a judgment entered in my name in New york state. I have been a victim of identitiy theft. 

I contacted CACH on few ocassions to send them a copy of the Police Report so i can get a release of lien and to no avail have i been able to get the matter resolved. My Social is XXXX I never opened that account and its showing a balance of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I currently have an active account with Santander Consumer USA. They have reported on my credit report that it is charged off/closed. That is not true because I have an open car loan with them and I pay the car loan monthly. I have contacted Santander Consumer USA and they have not corrected this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions 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:
I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't move forward with my life with these unverified accounts. Something needs to be done.

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 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Looking over my credit report and notice there were fraudulent accounts that doesn't belong to me and never authorized any contracts and business with these companies.The following accounts are listed below : 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

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 2019-11-13
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in XX/XX/2019 I sent all requested documentation along with income documentation for the opportunity in obtain a loan modification. The documents were sent by certified mail to both the servicer PHH mortgage and XXXX XXXX XXXX, who forward the same information to PHH mortgage corporation as the servicer. The same information sent via email and fax. I then received a letter from PHH acknowledging the documents were in their possession. On XX/XX/2019 I received a letter from PHH indicating to send one most recent pay stub, On that day it was emailed and mailed again Certified mail to all parties. On XX/XX/2019 I called to Follow up and was informed that the request was denied, due to PHH indicated the images of the income were not clear. They denied and set a foreclosure date. I explained to them all the ways that the income was sent and that there must be a communication issue between their departments that needs to obtain these documents for review. Based on all the ways and from different places including their law firm there is no other way the documents can be sent. I ask to have the file escalated to a supervisor for review. Once speaking with the supervisor who after several request to pull up the previous emails that were sent with the same documents. The file was then sent to the underwriter for review. I requested them to postpone the sale date to allow the time for review and appeal if not agreed. Plus not to be charged for the cost of the scheduling of the sale date due to the communication breakdown in terminally at PHH. As the homeowner I have provided in a timely matter all requested documentation and followed up daily with no updates and it seems as if the representative are not informational as to the progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
After careful review on my behave of the consecutive timeline period provided by "XXXX XXXX XXXX" correspondence and all paperwork necessary in resolving this case; as stated in the attached letter "ChexSystems Request for Investigation" that was initiated by you (******.) and disputed for investigation by me on XX/XX/XXXX; ..it was written by your letter that if ChexSystems does not receive a response to this investigation requested by XX/XX/XXXX this "disputed item" shall be removed from the "ChexSystems" files. ChexSystems and myself were notified of the outcome on XX/XX/XXXX--that is more than 1 month and 12 days that passed over as directed by the Federal Fair Credit Reporting 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 explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed a closed, wrong reporting acct. They never sent verifiable proof, can't connect the address to the account, this has been going on for over 1yr.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
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: Their investigation did not fix an error on your report

Complaint:
Experian advised that they verified incorrect information reporting on my credit report. I asked for proof of the verification and was not provided any. I was advised that the information was verified, however I have never been supplied with any proof. After going to company that Experian alleges that verified information, I was advised in writing by XXXX XXXX and Bankruptcy court that the information provided by Experian is a lie because the courts do not verify information. XXXX XXXX also advised that they have not supplied Experian with any information regarding this incorrect information that is erroneously reported on my credit report. It is very evident that representatives at Experian are NOT verifying or validating any information, however are only responding with form letters without any due diligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: AmeriCollect
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I discovered I had a bill in collection with Americollect XXXX in XXXX, WI. I called the company and ended up paying 3 different XXXX collections from XXXX XXXX XXXX XXXX XXXX in XXXX, IL. I discovered that the bills were amounts not covered by my insurance company with the largest amount being from service on XX/XX/2020. I paid the entire amount using my debit card which came to over {$1800.00}. Today, XXXX I was notified about a collection on my XXXX XXXX account and I discovered it was again Americollect, and this time it was for {$3300.00}. I called Americollect at XXXX XXXX. I was told by the female on the phone that the new bill was for service at XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. I told the female that I already paid the bill. The female advised me that my XXXX XXXX " reversed their decision '' to pay the bill and I now owed the stated amount. I advised her that I was never notified by either XXXX or XXXX and that I should have been given an opportunity to dispute the decision or at least pay the bill before it was placed on my credit report. I demanded it be removed and I was told the only way that could happen was to pay the full amount or they could mail me out a removal request and I could send it back and they would review it. At this point, I was very upset and admittedly began swearing at the female and demanded to speak to a supervisor. I then spoke with a female supervisor who told me the same options were available to me and nothing else could be done. I asked her how I could have a bill in collection so soon after paying the bill on XX/XX/XXXX. She told me that the bill was submitted to them on XX/XX/2020. I asked her how much the original bills were for and she advised the {$1800.00} and some odd dollars that I had already paid. I then asked her how can I now have {$3300.00} in collection and she stated that it was the same bill but that amount was added after my insurance reversed their decision. I was even more upset at this time in believing that I should have been given time to pay or dispute the bill before it was applied to my credit report. At this point, the supervisor was only talking in circles and gave me no further recourse. I will be glad to pay the amount owed after finding out why my insurance " reversed their decision '', however, I feel it is wrong for them to post a collection on my credit report as they have done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Dovenmuehle Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I've been trying for several weeks to get Dovenmuehle Mortgage to reissue me a check for the balance of my closed out mortgage. I've been on the phone with them numerous times and they have process my request over the phone at least 3 times yet there is no evidence on their end of any check every having been issues nor mailed. They owe me XXXX. I've been fighting this for over a month. I also have a compalint open with XXXX  of XXXX with complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: EQUIFAX, INC.
State: MS
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:
XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Telephone Companies I ordered service in XXXX and they put three inquires on my report for the one time order. This is unacceptable. You can not reach anyone at XXXX to try to solve this matter. I have called and just get shifted around

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13
Company: IQOR US INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from the XXXX XXXX XXXX XXXX XXXX, that was dated XX/XX/XXXX. The letter was an attempt to collect an alleged debt in the amount of {$2300.00}. I had previously disputed this debt with two other entities in XXXX and XXXX and never received validation from either company pursuant to the FDCPA. This company is attempting to collect on an unverified and unvalidated debt in violation of the FDCPA.

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 2021-01-29
Company: EQUIFAX, INC.
State: FL
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:
Equifax currently reports XXXX XXXX XXXX XXXX XXXX on my consumer credit report inaccuratly and illegally. 

XXXX XXXX XXXX XXXX XXXX did not offer permissible cause, no credit or loan as been awarded. 

Inquiry was not authorized by me and must be deleted

Company response to consumer: Closed with explanation