BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: NEW YORK COMMUNITY BANCORP INC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We applied for temporary forbearance that was approved for XXXX, XXXX & XXXX. In XXXX we started the process to bring our loan current. Flagstar continuously rejected our application as incomplete because we didn't send XXXX months of bank statements for our rental income. I explained to them that we didn't start renting out the home until XXXX so I didn't have XXXX months of documents to send. Finally, I spoke to a supervisor in XXXX who told me all I needed to do was remove the rental income from the application. I'm not sure why I wasn't told this a lot sooner. 
I removed the rental income and resubmitted the application to Flagstar. They marked it as complete and said they had thirty days to review it. I asked if they could rush it since I started the process way back in XXXX. They said they would send a message to that department and see. I was contacted a week or so after that stating we needed to unfreeze our credit so they could check for any other debt on our credit report. I unfroze the reports while I had the rep on the phone and told her so. I only unfroze it for a day because I thought they would check it right away. I've called for status updates every week. Each time I was told the application was marked complete on XX/XX/XXXX and they have 30 days to finish it. 
My husband received a notification a couple days ago that Flagstar tried to run his credit but couldn't because it was frozen. I called them to find out what was going on because they NEVER call us when there's an issue. They just send letters via USPS telling us to call which just wastes precious time. The rep I spoke to said they needed us to unfreeze our credit and they need more documents regarding my husband 's income. I was furious!! 
I told them my husband is self-employed, which I stated on the application. I sent XXXX years of business tax returns when I originally submitted the application in XXXX. They said they had everything they needed on XX/XX/XXXX, now they're asking for more documents again. Documents that don't exist because my husband doesn't work a W2 job. I didn't list any W2 work on the application so I'm confused as to why they are requesting this. The rep asked me if I could upload the tax returns again anyway. I refused because when I log into my account and look at the documents I've submitted the tax returns are there. It's like they don't train the reps at all to be dealing with something so important.

At this point I asked where I could file a complaint against them because we are getting nowhere with Flagstar and I just want to get my account back to normal. I had to file for temporary forbearance with another mortgage company during COVID and the process was so easy! We've owned XXXX homes and Flagstar has been the absolute worst mortgage company we've ever dealt with!

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 2021-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made multiple attempts to have Portfolio validate this account. I never got the notification they said they sent and after 3 CFPB complaints then they magically have the notification document and an attached letter they claim was done by XXXX which looks created and not legitimate at all. I have also tried to reached XXXX directly and I have gotten no response. 

Letters sent to Portfolio XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX with a Cease letter on XX/XX/XXXX CFPB complaints XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX - XX/XX/XXXX # XXXX - XX/XX/XXXX # XXXX They have not answered my questions or request as it is required by the FDCPA and the FCRA and continue to report a disputed date without verifying the information. 

-no license provided -no explanation of the charges Bill statements for with due date of XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX with nothing from XXXX then just to XX/XX/XXXX - XX/XX/XXXX -No documentation showing I even own this just a bill no signed agreement -doctored letter made from original creditor and creditor has not responded to my letters -Continuously to report a debt without validating it Every response is the same computer generated response of " verified '' This does not belong to me and if there is no documentation provided and no response from Portfolio with this information or XXXX this account needs to be removed from my credit report immediately. 

XXXX, XXXX and XXXX  also have not provided me with any proof of any documentation that this was ever even mines

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: ALLY FINANCIAL INC.
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I made two transfers from my Savings account. One was an ACH to XXXX for $ XXXX from Ally Bank XXXX The second was for bank to bank transfer from Ally Bank to XXXX XXXX for {$16000.00}. This was on XX/XX/23. XXXX XXXX was my fault, I didnt have sufficient funds. This amount never made it to XXXX XXXX account before it was requested back from Ally because of insufficient funds. Ally already had that money coming back but locked my account so I couldnt see when it returned. After several calls and several days, I had access back to that account because the {$16000.00} was returned. The problem now is the {$9400.00} was requested back from Ally. After three more calls to Alley, they now found the funds, created a case number ( # XXXX ) this was on XX/XX/23. As of XX/XX/23, the account is still under investigation and no funds have been returned to my account. The call today also said, they dont know when it will be returned. This is well after their 3-5 day policy. I want my funds back into my account, that really should have never been requested back because they had already the funds from XXXX XXXX. That more than covered the funds.

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 2022-01-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The XXXX XXXX XXXX account # XXXX updated with a delinquent status of " NOT_MORE_THAN_TWO_PAYMENT_PAST_DUE ''. or " 30-59 Days Past due '' This update took place after 7 months since the account was paid to XXXX and closed. The account was paid to zero with a payoff check which was issued and dated and processed by XXXX. 

XXXX received the payoff check prior to the months due date at the initial week of XX/XX/2021 which was confirmed by the dealer. 

i spoke with XXXX twice between the ending of XXXX, well into mid XXXX and confirmed the dealership in which the check came from. These calls were recorded and I still retain a photocopy of the check issued to XXXX XXXX which also has the issue date and mailing date attached. 

However, to my dismay XXXX took over a month to process the payoff check and now 7 months later falsely changed the status. This account was never paid late. Furthermore, this account was paid in full by XXXX of 2021 and is falsely reflecting a 30 days late and the closing date as XX/XX/2021. 

The account was closed in XXXX of 2021 and paid in full and NEVER late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX XXXX, I received a Chase Bank Debit card for a checking and a savings account that I did not open. I immediately called Chase Bank and had the accounts closed. They are sending me a fraud packet to fill out and return, and I will be filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
In XXXX my card was stolen and funds where removed from my account. I filed a dispute with American Express serve card. They refused to credit my account and then closed my account for no reason. I was a victim of theft and lost my money. It was a total of {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Central States Recovery, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had paid the debt through medicaid. They sold it and refuse to give me a document of me accepting the debt frok central recovery agency

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I went into Speedy Cash and applied for a loan. I was first under the impression this was an installment loan then informed it was a payday loan. I was given {$350.00} in the store and option to go online and get more of the loan that I was approved for. I was told that was payment would be XXXX every pay day but that does not come off of the balance of the loan. This is all interest. I went online and received the additional {$470.00} and it showed the payment on that part would be like {$87.00}. Then when I received the statement when my payment was due it is now {$180.00} every payday of which NONE of this comes off of the balance. The interest on this is 565 %. How is this even legal? 
This is a ripoff. I understand I took out the loan and signed the contract but I believed I was deceived in the way it was explained to me and what the payment said online. Of course now it does not show the lower amount after I signed the papers it has the {$180.00}. This is ridiculous that none of this comes off of the loan amount. I understand paying interest on a loan but 565 % if beyond comprehensible. I need out of this situation. 
I dont mind paying small payments every payday if it is coming off the balance but I will never get this loan paid if all I am paying is interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have had car loan with Chrysler Capital since XXXX. As stated on their policy of reporting to the bureau 's every 30 days/end of month, my current active car loan is not reflecting 5 years or payments, or to exist at all. It was actually purposely removed from Chrysler Capital themselves as XXXX let me know reflected on their end. Removed XX/XX/XXXX, not show closed or every owned by myself. 

I first contacted them regarding this XXXX of XXXX when I noticed my car had been removed for my credit report, although prior it has always reflected. I was directed to the credit department who said they would send it into the bureau 's again and follow up with me. I did not receive a call back. 

I reached out again XXXX of XXXX as I still did not see my car reflect on my credit report. I let them know that no one had followed up with me. I was then told another report was put in and someone would follow up with me. No one did. 

I called again XXXX of XXXX and inquired about my car not still not reflecting on my credit report although I was still actively making payments and had been for the past five years. A gentleman said he would submit it to the credit bureau 's for a 3rd time as he was not understanding why it was not reflecting and that he would personally follow up with me that day. 

Later on that same day I received a call from this same gentleman letting me know that his supervisor said they could not send it to the bureaus until my 12 day late payment was made. I informed him I was not comfortable continuing to give money to a car that no longer existed on my credit and was almost paid off. 

In XXXX of XXXX I had {$16000.00} left on my loan. I made an XXXX payment. Since then, I have made my monthly payments and now as of XX/XX/XXXX have a {$5000.00} remainder on my loan. 

I then reached out to all the bureaus to seek more information And was told that chrysler capital in fact removed my car in XXXX of XXXX. They escalated this and also reached out to Chrysler and directed me too. As of today Chrysler has stated they will follow up with me and have given no reason as to why my car was removed and is not reflecting. 

I was directed to ask for a summary of payments for the last 5 years which I did receive showing that my loan is still active. I'm still making payments and I have been although. It no history is showing on my credit and chrysler is providing no assistance although they're policy is that they report every 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery is stating I owe a debt of {$1300.00}. There have been multiple attempts to dispute this claim via mail over the past couple months because this is not my debt and fraudulent activity with this account. I have never signed a contract, spoken to anyone by phone, or received any paperwork from Portfolio Recovery stating that I owe the debt or details of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting 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 previously submitted several disputes with XXXX regarding these inquiries, and after investigations, I received responses indicating that XXXX refused to remove the inquiries from my credit file. I am writing this letter to formally request the original documentation from the respective creditors that demonstrates my explicit permission for them to access my credit file. 
I believe it is essential for me to receive this documentation as it is my right to verify the legitimacy of these inquiries. Without this proof of authorization, I insist that these inquiries be promptly removed from my credit report, but XXXX consistently refuses to remove them and to provide me with documentation from the creditor. XXXX customer service representatives stated that they do not provide documentation from the creditors. I asked how they verify that what they are reporting is accurate, and I was told they rely on a response from the creditor stating it is valid but no documentation. They are violating my rights. 
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2023-12-01
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am an authorized user on my husbands account. A s Ive already filed a complaint before that I disputed the address on the accounts not the accounts they remove my accounts and once fixed and was able to open the accounts back up My credit still not showing the cards being reported as Ive spoke to XXXX XXXX and they advised me that the cards are being reported and I know they are because I look and they reported on my childrens and husbands credit just not mines. I called and complained the the credit bureaus and they still will not report accurate information and causing my credit score to be lower than it actually is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
File a dispute on an account on XX/XX/2023 still no response from Transunion.

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 2021-03-07
Company: ERC
State: GA
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:
On XX/XX/2020 Enhanced Recovery, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit and they have multiple " late payments '' on my credit report.

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 2019-12-25
Company: U.S. BANCORP
State: GA
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: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
A bankruptcy is on my report from all 3 bureaus, XXXX, XXXX and Transunion and possibly XXXX XXXX ... .... Permission for the said bankruptcy was not authorized by the courts to place on my personal credit reports. Asked them to remove it and they response was " VERIFIED ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After submitting proof the debt was paid and not receiving acknowledgement I submitted proof of payments to CFPB. Even after being XXXX I managed to pay the entire {$130000.00} and they still are trying to collect {$120.00} more. I want this removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CL Holdings LLC
State: MI
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:
This debt specifically ( and others ) have been racked up by my mother used without my consent. I have paid off prior debts to prior debt collection agencies to remove the damage she caused ( almost XXXX $ ) just to find out that I have an old debt from 6 years ago that I knew nothing about till recently in my name for almost XXXX XXXX I have been living with my fiance for the last 8 years or so. I would like to have this resolved as soon as possible because i am now being garnished 25 % of my check that I should not be garnished for. I have contacted the debt collection agency responsible for the garnishment and told them that they have they purchased my account illegally ( not of my acknowledgement or willingness because I did not know that it existed ) and told them that the account was fraudulent as well because I did not open it. They said it didn't matter. They had it in their possession for years and it needed to be taken care of. They did not send me a letter stating that I was going to be taken to court. Nor the garnishment. but I received a letter of AFTER the court date was settled and I was told I neglected to show up to a court date I did not know I had. I would like this resolved and the garnishment not be taken from me but from my mother who is responsible for the fraudulent account to be opened in my name. if you can get back with me as soon as possible that would be greatly appreciated. Thank you

Company response to consumer: Closed with explanation