BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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

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 2020-09-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Credit Corp Solutions Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A company called Tasman Credit has called my office. I am a Realtor and my office number is for business only-not personal use. They called and let the receptionist know they were from a debt collection company and needed to speak with me urgently. When they transferred the call, it read on my Caller ID that it was my office calling. They were very abusive and told me to be responsible and pay my debt. I told them that I was not aware of this debt and the guy laughed at me and said I should be aware. He went on to say in a VERY SARCASTIC tone that " I'm sure you're soooo busy since you're a realtor and all but take some time and pay your bills. '' I was with a client at the time and was very frustrated with him and asked that they never call me at my office again. I also asked that they just mail me the information on my supposed debt and I will review it. 

I have NEVER received any information verifying this so-called debt. I have been called repeatedly by them on my cell phone and I have asked that they only mail any questions they may have. I even offered my email address. I asked that they not call my cell phone because I need the line open for my business. Tasman credit has interrupted several phone calls I have been on and are causing me a great deal of XXXX They won't give me proof that I owe them money but they are fine with calling my business and telling the administrators at my office that I owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Uplift, Inc
State: TX
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 noticed this collection on my report. I have no knowledge of what this is and have not done business with this company. I have never heard of this company. This is not my debt. Attempts to resolve have went no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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 non-monetary relief
Consumer complaint received 2020-09-18
Company: Commonwealth Financial Systems, Inc.
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:
The XXXX XXXX XXXX XXXX sent a letter to me on XXXX XXXX, XXXX regarding an alleged medical debt. 

The company stated in the letter that unless you notify this office within 30 days after receiving this notice, that you dispute the validity of this debt or any portion thereof, this office will assume the debt is valid. 

**THEY DID NOT GIVE ME THE 30 DAYS REQUIRED to dispute, before they added this debt to my credit report on XXXX I immediately reported this company to the BBB who received a comment from the company that they world refer this debt back to it's partner XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

I also called the company on XX/XX/2020 and disputed the validity of the debt to which I was advised it would be taken care of by referring it back to XXXX XXXX XXXX XXXX XXXX ** but did not remedy me by removing the information it has placed with the credit bureaus. *** I disputed the collection account with Experian who just sent me a message saying they verified the debt and will not be removing it from my report. I challenge this as I believe the company has violated the Fair Debt Collection Practices Act as well as the Fair Debt Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX American Express broke ties with XXXX so all of the green XXXX cards were cancelled and transferred to other accounts. When that happened we had to use our reward points which totally about XXXX. We chose XXXX XXXX gift cards so we could get carpet for our rental property. Upon finally deciding to use the cards it was discovered that they were totally blank. ( {$250.00} worth ). I was told that a nationwide issue was occurring with all XXXX XXXX gift cards and we would be sent replacements. This took several months meaning we had to pay cash for the carpet. The new gift cards finally arrived and upon going to use them, they were again blank. American Express membership rewards informed me that they had mailed the cards and then promptly deactivated them. I told them I no longer even needed the cards and they promised me a check for {$200.00} instead of the {$250.00} that the cards were worth. Weeks went by. When I finally called again, they told me they had closed the case because a check was sent. I have never received a check and now many months have gone by with still no check. I have made dozens of phone calls and have been promised, promised, promised but still no resolution. I have escalated this twice and have talked to supervisors. The last they told me was because the card has been closed over a year they ca n't do anything. I believe this whole thing has been a runaround to not honor my reward points. I 'm irritated and frustrated. I 've spent hours on this. I want my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-01-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a mortgage payment in the amount of XXXX in XX/XX/22 which is the monthly mortgage payment which is not due until XXXX had an outstanding escrow balance and clearly told my mortgage company to credit this payment toward my outstanding escrow since they did not credit my acct for the monthly payment .my mortgage terms should not include escrow at all.but I want to pay the outstanding escrow before my next payment is due in XXXX so my payment will go back to XXXX instead of XXXX please help because they are holding the money in suspense instead of crediting my acct properly.thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Recently showed in my Credit History ( XXXX ) that some Collection agency ( named I.C. Systems Inc ) added and worth {$120.00} in my bad debt. I am wondering about that amount come from in my credit history which impacted from last XX/XX/2020. 
But I have nothing pending in that amount so far. 
I found their Contact number from XXXX Portal and called 3 times. Unfortunately the customer service don't know either. Each time they transferred my call to some other division but after waiting and listening some music call dropped. 
I should mention that, so far in last one year I didnt receive any Mail, Email or any Phone call from that above organization/ agency.

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 2021-03-09
Company: FC HoldCo LLC
State: IL
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:
In 1974 I refinanced my auto with Flagship credit acceptance LLC I had no problem until car was totaled all perfect payments. When the car was totaled my insurance sent them a XXXX check and I had gap insurance with Flagship LLC they took three months to decide not to pay the total amount. So then the company is still reporting me as late which is untrue. I have paid them in full as requested?

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 2018-04-23
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I, XXXX XXXX requested an itemized statement XX/XX/XXXX in my initial complaint. 

This request was made due to previous notice ( s ) sent by Habitat for Humanity affiliate office XXXX XXXX County. 

I would like to clarify my request : I, XXXX XXXX would like an itemized statement for my mortgage account. This statement would include all deposits, credits, debts and fees assessed to my account. This statement would include all payments made in chronological order. This statement would have a balance ending in the current actual balance of the account as it is to date. I would also like to clarify my request to include all payments made from my escrow account disbursement. 

On the document received dated XX/XX/XXXX payments made are incorrect, notably payments made during XX/XX/XXXX through XX/XX/XXXX. All payments made from XX/XX/XXXX to date have been made by check form whether cashiers or personal minus payment for XX/XX/XXXX. 

I do not see the deductions from Taxes or insurance. The escrow disbursement history shows only HOA payments. 

I would also like to state that I XXXX XXXX have fully and abundantly exercised all contact methods with Habitat for Humanity International, its affiliate office XXXX XXXX County, and their Legal Representative in the matters of my account prior to my initial complaint XX/XX/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 2019-03-09
Company: Innovis
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:
I have some addresses on my file that do not belong to me I am a victim of ID theft and I need these addresses removed they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: CIT BANK, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am unable to access my funds via online banking. Both on a computer and my XX/XX/XXXXThe messages I get indicate I should adjust my browser to accept cookies. My browsers do accept cookies. I spend 40 minutes with an XXXX technician and gave him total control via internet of my ipad. The verified both XX/XX/XXXXand XX/XX/XXXX browsers are set to accept cookies. I then tried to access my online accounts with CIT using my husbands computer ( also accepts cookies ) and have the same problem. 

I have phoned the CIT bank 3x and they insist the problem is no on their end. I have also emailed the CIT bank and have had no response. 

I have consistently tried to access my online accounts since Saturday, XXXX XX/XX/12. 

The bank is not trying to resolve the issue and I can not access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter in the mail indicating I had been approved for a credit card, including my credit score. I also received an actual card. I never applied for a card with Capital One or any other credit card company. When I contacted Capital One, they indicated they already had restricted the card because they suspected fraud. Cpaital One indicated they would place the account under investigation, close it, and notify the credit bureaus of the error. Running my credit without my authorization reduced my overall credit score and Capital One told me their reporting would resolve that issue. I am following up with CFPB as I have NOTHING in writing from Capital One regarding this and am now afraid that I am the victim of identity theft. If they suspected fraud, why would they run my credit and issue a card? The case number with Capital One is # XXXX. What can be done to ensure that companies who suspect fraud do not continue to injure consumers by continuing to process an account they believe may be fraudulently obtained?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion 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

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 2021-11-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
PORTFOLIO RECOVERY ASSOCIATES KEEP CALLING FROM DIFFERENT TELEPHONE NUMBERS ALMOST ON A DAILY BASIS TO KEEP HARASSING AFTER TOLD NOT TO CALL ANYMORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I had a simple thing happen to me - I lost a credit card. The last time that this happened, Discover messed up my replacement card too. Previous to this, I had to make a CFPB complaint regarding Discover 's  incompetent staff that cancelled airline tickets by mistake a few years ago, putting a planned trip in jeopardy due to the circumstance of the voucher I used for a portion of the trip and their unapproved cancellation of my ticket purchase. Yet again, I am faced with incompetent customer service. I spent an entire weekend and several week days trying to get a simple replacement card. Many mistakes, hang ups, no call backs, misspelled email addresses, incorrect information, ridiculous security measures, rude people ... ..occurred just as a result of this 20-some year Discover card customer with a nearly XXXX credit score ... just trying to replace a card. Discover has a REAL problem with customer service. XXXX and XXXX, Ohio supervisors were wonderful. Note to Discover : model your customer " service '' agents after these two women. You are going to continue to lose business with this ongoing rotten customer service. The last time you even compensated me for your mistake. What will you do this time after the hours I spent in frustration trying to simply replace a credit card?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Risecredit, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every single day XXXX XXXX calls me at least twice a day, sometimes more. I worked in collections and know it is a FDCPA violation to call more than once per day, especially leaving multiple messages per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Home Point Financial Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
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 am refinancing my HomePoint Mortgage VA loan and was advised by their representative XXXX XXXX NOT to make any more mortgage payments until the month after the closing date. 

Meanwhile, they have erroneously reported that we are delinquent! 

Not only have I contacted them three ( 3 ) times in writing about this discrepancy, but I also filed a dispute with XXXX which HomePoint refused in less than 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Monday XX/XX/2018 i received a phone call from my Aunt at XXXX XXXX  stating that XXXX XXXX  had contacted her about an account that i hold her name is not on my account nor is she Associated with this account. They released information to her about my account. So I contacted XXXX XXXX myself an Spoke to a XXXX XXXXXXXX concerning my account i asked her why she had contacted someone about my account that was not attached to my account she then informed me that under the law she can contact anyone she can to get payment on my account.

Company response to consumer: Closed with non-monetary relief