BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am requesting Specialized Loan Servicing to re/send XXXX Documentation for Application # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS KNOWINGLY AND INTENTIONALLY OVERSTATED my past due balances as {$82000.00} when infact that was less. 

I have since made payments of over {$21000.00}, yet funds are sitting in UNAPPLIED UNIDENTIFIED. 

Correct intentional misapplication of funds For months I have been requesting the accurate balances and I still have not received it. 

I am requesting Specialized Loan Servicing to re/send XXXX Documentation for Application # XXXX XXXX XXXX XXXX XXXX XXXX so we can pay and close this case.

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 2020-06-25
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a notification from The American Express that my credit line had closed due to a review of my account reducing my credit from approximately {$11000.00} to {$0.00}. During the review process, there were two inaccurate late payments posted to my credit report by XXXX XXXX  for the months of XXXX and XXXX. Since then, I've had had several conversations with the credit services department to use the same process in reviewing my account again to see that these items are no longer posting late and that my credit rating had been restored. However, the only two unfair and unrealistic options are to print and mail them over 100 documents from XXXX credit report where the payments were updated, the previous report with the errors on it ( another 80 pages ), and the supporting documents that outline that the error was corrected with XXXX. The second unfair and unrealistic option is to take another hard hit inquiry to my credit report. This happened while in the middle of home improvements and American Express has not been willing to resolve this matter in a manner that is fair to the customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: Avant Holding Company, Inc.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
Avant- credit card LLC unauthorized charges on credit card absurd fees and interest charges over 50 % of account balance, it obscene and outrageous, they should not be allowed to perpetrate these crimes with impunity Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: CITIBANK, N.A.
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:
I was XXXX with the XXXX and requested that my account be freezed and citi bank failed to honor this request, hence I have late payments being reported for 60 days while on XXXX. According to The Servicemembers Civil Relief Act of 2003 ( SCRA ) replaced the Soldiers ' and Sailors ' Civil Relief Act of 1940 deployment of more than 180 days constitutes a hardship requiring creditors to defer or freeze payment obligations of military personnel.

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 2021-08-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX My social security number is XXXX and my date of birth is XX/XX/XXXX address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ny XXXX there a collection account on mycredit report from XXXX XXXX  the account is fraudulent experian supposed to block it from my report I also filed a federal trade commissions report please have experian removed this item

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 2021-03-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I tried to make a cash deposit at the citizens bank ATM which I have an account at. I was depositing {$1500.00} in cash into the atm the atm went down the screen went black and was stating rebooting. My card was given back but not my cash or a receipt. I immediately called the customer service dept who said I didnt need to stay at the atm they would open a case. The bank credit my account then a month later without notice took it back leaving me a negative balance. They are stating there was no issue with the ATM. I had gone into the bank on XX/XX/XXXX and spoke to an associate who verified she was notified the night before that the ATM had gone down. Ive asked them repeatedly to pull the ATM footage and they will not. I have gotten no help in finding my money and am left with nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-21
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Phoenix Financial Services, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
Hello, I was a resident of XXXX XXXX XXXX When my lease period was ending I tried contacting the leasing office to get information regarding the lease extension as well as the move out process. I was informed every time that they would get back to me and they never did. When my lease period was finally up I reached out to them again and they informed me that they never got the information and they refused to accept that it was a mistake on their end. I reached out to XXXXXXXX XXXX office on the XXXX XXXX XXXX and informed everything before Covid. They took my information and never responded. Meanwhile, the balance due was reported to collections. I am still unaware on why this happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  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, any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 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 2021-08-18
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXXXXXX XXXX and I have a second mortgage with Suntrust mortgage, now Truist. After my forbearance ended in XXXX XXXX I applied for a loan modification in XXXX, to reduce my interest rate of 6 %, and submitted all the required documents to Suntrust. Later, Suntrust requested for another set of last 2 pay stubs, even though I had included those in my original application. They said they wanted current ones, which I sent to them on XX/XX/. They told me that was the only thing that was left for them to process my application, and that I do not need to make any payments until they make a decision on my loan modification application. They had also told me, they will not report my loan to the credit bureau, until they finalize and approve or deny the application. So, I waited to hear from them. However, Suntrust only sent me a letter dated XX/XX/XXXX, to request for the same documents I had sent them in my original application, so I called them on XXXX  to find out what they did with the same documents I had sent them, still in their possession. It's not even up to 90 days yet when that letter was mailed to me, and they told me, they needed the same information every 90 days. I asked them why they couldn't use the same ones I had sent them before. It looks like Suntrust had either misplaced my documents or were just playing games with me. They never even made any decision of approval or denial, after I sent all the required documents in my application. Why make me go through all that hassle, when they know what they plan to do and can not say it outright. I am a busy person, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so I don't need or deserve this run around or treatment from Suntrust. Also, they have been charging me interest fees since throughout forbearance period, and during the loan modification period to date, even though they told me they would not charge fees. They have now reported this account as late to the credit bureau, even though they said they would not do so, and I have not received a decision on the loan modification. They have also been threatening me with foreclosure, even with no decision on my application, and this is just a second mortgage. My first mortgage is not with Suntrust, and that is current. I was only trying to modify my loan to get it current after the forbearance period, and Suntrust can not even keep to their word! I feel this is a very unfair and deceptive practice by Suntrust and they need to correct their behavior. Thank you.

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 2020-02-05
Company: Experian Information Solutions Inc.
State: MS
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 AM A VICTIM OF IDENTITY THEFT. THIS IS MY OFFICIAL STATEMENT ABOUT THE CRIME. I HAVE SENT IN A POLICE REPORT AND AN IKD THEFT IN NUMEROUS OF TIMES AND EXPERIAN IS STILL REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE IN CLEAR VIOLATION OF FCRA LAWS. I HAVE REQUESTED ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACE ON HOLD FOR INORDINATE AMOUNTS OF TIME. UNDER THE FAIR CREDIT REPORTING ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT WITH A WET INK SIGNATURE ON I. ( COPIES OF COPIES ARE NOT VALIDATION AND BY LAW ARE NOW CONSIDERED PROOF ) THAT YOU HAVE ON FILE FOR MY ACCOUNTS MUST BE REMOVED. THE BANKRUPTCY I INSIST ON REPORTING THIS FRAUDULENT ACCOUNT ON FILE. I ALSO SENT IN SOME INFORMATION REPORTED FROM 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 2019-07-15
Company: EQUIFAX, 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:
Equifax has not complied with FCRA request the method of verification. Cite FCRA, Section 611. Request hard evidence that goes back to the original creditor and ask for the original creditors information. .. It's very likely the credit bureau did not contact the original creditor at all. ... 


They have not provided a method of verification and the reporting information is wrong the Bnakrupct court has stated that they did not provide any information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made a payment by check online with Capital One mobile, I was not aware of the check being returned by my bank. I went to make my next month payment by check like the previous month, thy took the payment. I go to use my card which I had available credit it was denied. I log online to my account and both of my cards are now closed. I called they said because of the returned payment. They closed my accounts but I can still pay my balance by check online. So they take your charging privileges away but yet they continue to take your monthly payment by check. My nsf was a bank error and they didnt offer me a way to correct the issue, just closed two open charge accounts I had. They do n't disclose this information in you customer agreement for. No information giving to consumers about returned nsf items. Capital One close your accout for 2 nsf in 1 year, but do n't tell you this is they practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: North Shore Agency, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX my XXXX year old son received a XXXX package with a XXXX XXXX XXXX XXXX pirates DVD inside of it. The package was sent by a relative. It was not signed for and left on our doorstep. Approximately one week later a XXXX invoice ( XXXX ) in the amount of {$110.00} was delivered to our address. The invoice had our XXXX yr old sons name on it. I called XXXX at XXXX to dispute the charge. We did not send or request the package and we do not have an account with XXXX. I informed XXXX rep that the person who sent the package must have used a XXXX account. The XXXX rep stated that they could not find the account number and that my XXXX yr old son was responsible for the invoice payment. I told her to contact the sender to acquire the correct account number. On XX/XX/XXXX we received another invoice from a collection agency stating our account status was delinquent. It was addressed to our XXXX yr. old son. To reiterate - we do not have an account with XXXX and do not use their services for any mailings or shipments.

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 2019-07-15
Company: EQUIFAX, 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:
Equifax has not complied with FCRA request the method of verification. Cite FCRA, Section 611. Request hard evidence that goes back to the original creditor and ask for the original creditors information. .. It's very likely the credit bureau did not contact the original creditor at all. ...

They have not provided a method of verification and the reporting information is wrong the Bnakrupct court has stated that they did not provide any information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: EQUIFAX, INC.
State: MA
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 do ask in light of the good standing relationship we have that you remove this 30 day late from my credit report and refund any late fees assessed on my account. 

I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15
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 has not complied with FCRA request the method of verification. Cite FCRA, Section 611. Request hard evidence that goes back to the original creditor and ask for the original creditors information. .. It's very likely the credit bureau did not contact the original creditor at all. ... 


They have not provided a method of verification and the reporting information is wrong I have asked them to remove the inaccurate information

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 2021-08-18
Company: TRANSUNION INTERMEDIATE 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX NY XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.

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 2021-04-08
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to finance a vehicle through XXXX XXXX XXXX. My XX/XX/XXXX credit report still shows a fraud alert that I have requested to have removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX My DOB XXXX SS XXXX is my info. Please REMOVE/DELETE the PHONE NUMBER XXXX .... MY CURRENT AND ONLY NUMBER IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: TIDEWATER FINANCE COMPANY, INC.
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation