BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: SYNCHRONY FINANCIAL
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
This complaint is with PayPal Credit. I originally made a purchase with an XXXX dating subscription. I used PayPal Credits deferred interest for 6 months on purchases over {$99.00}. When XXXX kept putting up the same people that I had already discarded, over and over, even PayPal Credit said that such was unacceptable. It is not acceptable that anyone should just take what is happening with the website. I tried to resolve it with XXXX first, to no avail, then contacted XXXX and disputed the charge. PayPal credit has not decided in my favor. I do not find this reasonable. The website is saying that the subscription is no longer accessible and reflects a balance of {$170.00}. In addition, PayPal Credit is also asking for {$170.00}. If XXXX has a balance of {$170.00} that they claim I owe, then why is XXXX inaccessible and asking for {$170.00}. The fact that I havent even been able to access the site and have been going around and around and not getting anywhere is enough for me 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 monetary relief
Consumer complaint received 2022-03-11
Company: Prosper Marketplace, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
The card keeps showing restricted, Every other week I have to keep calling them. They unrestricted it and they did it again this month. When I call them they put me on hold and never come back saying theyre looking at my account. I dont understand what kind of company does this.

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 2022-03-11
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I financed a vehicle with them in 2018 never had a later payment. I basically went to the dealer and traded my car in, and bought another vehicle. Then all of a sudden they started saying i owe them {$11000.00} the car was paid off as a trade in. So this information is inaccurate, and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Suburban Credit Corporation
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XXXX/XXXX/XXXX I received a communication from Suburban Credit Corporation attempting to collect a debt for XXXX XXXX. I wrote to Suburban Credit Corporation on XXXX/XXXX/XXXX disputing the validity of the debt, requesting verification from the original creditor including a statement of charges made and payments received, and demanding they cease collection activities. 

On XXXX/XXXX/XXXX I received another demand from Suburban Credit Corporation. They failed to verify the debt, they did not provide proof of the debt, and the communication was a collection attempt. 

The medical bill to XXXX XXXX has been paid in full, and I have proof of payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
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:
a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft transunion must remove the inquiries immediately. 

XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2017-11-01
Company: BB&T CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have had a mortgage with BB & T Bank on an investment property for 10 years. I called yesterday to ask about refinancing under the HARP program. I was told that BB & T wo n't refinance under HARP if the mortgagor has more than 6 loans. I have refinanced most of my investment properties this year, none with BB & T, and I have never heard of this restriction. It appears that BB & T does not want to refinance loans, which strikes me as being in opposition to the intention of the HARP program.Can they do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Today which is XX/XX/2022 in called Transunion XXXX. I spoken with someone and i informed them of inquiries on my report that i did not authorize which were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask them to show me a signature or any signed document that i authorized these inquiries and told them since i did not authorize them they legally have to be removed. I was told they could not be removed. I know that everything in my report has to be 100 % accurate according to the FCRA and these inquiries are not

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: R & B Corporation of Virginia
State: VA
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:
I sent out a dispute to Credit Control Corporation on XXXX XXXX, XXXX asking to be provided with competent evidence bearing my signature which they RECIEVED on XXXX XXXX, XXXX. 
AROUND LATE XXXX I RECIEVED A RESPONSE DATED THE SAME DAY THEY RECIEVED MY DISPUTE! 
THE LETTER claimed their client RECIEVED payment and the balance is paid in full but as of today their tradeline is still showing on my credit file. In the letter, the edp/credit report number is inaccurate/Incomplete with the one they are reporting on my credit report. 
I sent a second dispute on XXXX XXXX which they RECIEVED on XXXX XXXX, XXXX asking for A SIGNED CONTRACT WITH DISCLOSURE between their client and I, between CCC and their client, and between CCC and I. An complete Audit trail of said DEBT was requested. 
I 've also requested their operational arrangements in place to facilitate providing information and documents required to resolve disputes which I 've received no response! 
NOT ONLY IS THEY NOT RESPONDIMG BUT THEY NEVER LISTED THE ACCOUNT IN DISPUTE, AND TO THIS DAY, THEY ARE STILL REPORTING INACCURATE AND INCOMPLETE INFORMATION SUCH AS DATE OPEN, NO CLOSED DATE, ACCOUNT NUMBER, BALANCE, HIGH BALANCE, AND TERMS WHEN NO CONTRACTUAL OBLIGATIONS WAS ESTABLISHED! 
CCC, Refuses to ACKNOWLEDGE MY DISPUTE and Cease and Desist there EXTORTIONATE, Character defaming and libels slanderous Activity. Not only is their activity defaming my character, damaging my ability to obtain credit for personal family or household purposes, but it is also obstructing my ability to do business in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2021, I sent a dispute to the 3 credit bureaus and they have not responded with any dispute updates. Under the FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) account must be deleted if not 100 % accurate, timely, complete. I have a XXXX XXXX account listed on my credit file each bureau have a different account number which I do not recognized. ( See Attached ).

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 2022-02-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX I asked for Experian 's method of verification on XXXX bankruptcies that they are reporting on my credit report. Experian responded on XXXX XXXX that the bankruptcies were verified thought XXXX a third party vendor and that the bankruptcies would remain on my credit report unless I had additional information ( Please see Experian 's response attached ). I reached out to XXXX and they stated that the bankruptcies were removed from their consumer report back in XX/XX/2021 due to a reinvestigation. So, this clearly proves that Experian did not verify these bankruptcies on multiply occasion nor on XX/XX/2021 which is a violation of my FCRA rights. Secondly, Experian asked me to send them additional information that would prove that these bankruptcies are being reported fraudulently on my credit report. I have attached the letter from XXXX as additional 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 2022-12-16
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist mortgage company escrow problems. 

Truist sent the windstorm insurance check to the WRONG address and charged me for force placed insurance due to a lapse in coverage that was their own mistake. I have given them plenty of time to correct this and still have not had any resolution. My agent has reached out in late XX/XX/XXXX regarding this and it was noted that Truist mailed the check to the wrong address. 

Around early XXXX, called regarding corporate reimbursement for {$190.00}. They said they will investigate. Never hear back from them so I have to call back on XX/XX/XXXX. I actually received an agent who understood that it was not my mistake on this date. Never hear back. So I Call on XX/XX/XXXX to see response- on this day, I was told the review in progress since XXXX but not confirmed and need to allow XXXX business days. On XXXX I note that my account was charged the {$190.00}. I called on XX/XX/XXXX and after wasting a lot of time, I got an agent to listen to me and pointed directly to the evidence showing that Truist messed up badly and continues to double down. They acknowledge this. They claimed to reverse the charge that should be reflected in my count by end of XX/XX/XXXX business day. It is past that time. No money reversed back to my account. This is comically bad and has been a pain. Please avoid using Truist if you want to avoid getting charged for THEIR mistakes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Experian Information Solutions 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:
My credit file was pulled over 15 times by XXXX XXXX without my permission or knowledge. These inquiries had lowered my credit score by over 100 points and as a result, my credit card were canceled and closed. At that time, all my credit account were paid and on time and paid as agreed.

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 2022-03-11
Company: Cawley & Bergmann, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I contacted Cawley & Bergmann to settle a debt owed. They were supposed to charge me the XXXX to settle the debt but they charged me XXXX. I am extremely unhappy and the falsely represented himself and lied about the amount owed. And it has not been removed from my credit report. I have the settlement letter and proof of what they took out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: CT
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 sent them my letters a few times first letter in XX/XX/XXXX they completely ignored my letters then i sent over letters XX/XX/XXXX and still no reply on theses items i disputed on my report its like they are just ignoring me.It hurts when i have to spend time and money to write letters to them for them to not give a reply on the status of this and they were suppose to get back to me within 30 days. please help.

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 2017-11-01
Company: Richard B. Maner, P. C.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I would like to dispute the amount owed to Richard B. Maner, P, C, whom is acting as a debt collector  attempting to collect a debt as representative of XXXX XXXX XXXX 

I would like Richard B. Maner to present to me proof of their legal right to collect this debt. 
I would also like proof of the true amount owed as well as where this debt originated from. 

I would like to know why I can not direct contact with the correct decision makers on this loan, not the middlemen. 

I would like a chance to workout a settlement to this loan and request that the foreclosure date that is set for XXXX XXXX XXXX be postponed or cancelled. 

This Law Firm works hand in hand with XXXX XXXX whom has thousands of complaints about there unfair tactics on this site alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX is attempting to collect a debt from XXXX that was discharged thru bankrutpcy. Plus on top of that I never received any information about this debt before it hit my report. I would of told them it was no longer owed. Thirdlly the original debt was in my mother 's name XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Caliber Home Loans, Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I agreed to {$190.00} per month and now it has increased to {$290.00} through Navient because of an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently filed a dispute with Experian regarding inaccurate information that they are reporting in my credit file that they maintain under my social security number. 

On XXXX XXXX, XXXX, Experian refused to adise me as to how they " verified '' this information since I expressed that I did not consent to electronic verification by any means. I also included to them a letter from XXXX advising they had removed the inaccurate information as well from their file they maintain under my social security. I also included a letter from the court advising they do " not perform any activities with the credit bureaus ''. I have included these letters withh this complaint. 
Having such correspondence from the court and XXXX, how could this account be " verified and/or validated '' by Experian unless they sent someone directly to the courthouse? They are refusing to explain to me their method of verification, and still continue to report negative information in the credit file they maintain for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
All of my student loans ( from XXXX College, The XXXX XXXX, University XXXXXXXX XXXX at XXXX XXXX, XXXX University and XXXX XXXX, The School ) are with XXXX. In the first few years, they were relatively responsive, but over the past two years, they have either not responded to my requesrs for IBR renewal, in a timely manner, or have only provided me with a response when Inhave phoned them. The last three times I have phoned them, they have responded to my frustrations with their lack of confirming the status of my IBR applications with variations of " there are more steps/documents to complete, and/or you completed the wrong IBR type. But why did they not inform me of this??? To date, my IBR request is in limbo. The laat time I phoned, they said I would receive something in the mail that would allow me to pay five dollars (??? ) and then this would trigger my forbearance and I could reapply for the correct (??? ) IBR. The entire process is frustrating and cryptic and XXXX is not responsive or helpful. Meanwhile, they are asking for a payment of over {$1500.00}, that Incannot afford. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-01
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
In XXXX, XXXX, I entered a written dispute with XXXXXXXX XXXX XXXX XXXXXXXX XXXX account number XXXX ( balance reported - {$11000.00} ) as contained on my consumer credit profile at Equifax, XXXX and XXXX XXXX. Specifically alleged, XXXXXXXX XXXX XXXX XXXX was attempting to collect a debt for which antiquated my credit profile by more than 7 years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. XXXXXXXX XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX XXXX XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. A review of records compiled by the state Division of Financial Services in Florida indicates that XXXXXXXX XXXX XXXX XXXXXXXX is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to Equifax, XXXX and XXXX XXXX is an unfair and deceptive trade practice. Several phone calls to XXXXXXXX XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my Equifax, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.

Company response to consumer: Closed with explanation