BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-30
Company: CITIBANK, N.A.
State: SD
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I received a letter from Citi Bank stating that on XX/XX/XXXX they incorrectly credited my account for a payment of {$3500.00}. To correct the error they have rebilled my account. 
I have phone records indicating that on XX/XX/XXXX at XXXX and XXXX I called Citi Bank XXXX XXXX them know that I had been credited {$3500.00} and I did not think it was right. With both phone calls the representative on the line said that It was an anonymous donation and mine to keep. I tried doing my part by calling to let them know about the {$3500.00} credited and both times they said it was mine to keep. 
I called Citi last week to dispute this letter and they said they would file a dispute. I called again today XX/XX/XXXX to check the status of my dispute. No such dispute was on file today and I had to start over. After speaking with three different people they said because I spent the money I had to pay it back. I asked them about the representatives being responsible for miscommunication back on XX/XX/XXXX. They said they have no records of phone calls I made to them on that date. I found the records in my own phone service records so They lied about that also. 
They state at the beginning of all Citi Bank phone calls that all calls are recorded, they should have recordings of both phone calls I made in XX/XX/XXXX to prove that the mistake was on their part, not only with crediting the account but also with saying the money was mine to spend.

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 2021-08-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021 ( 67 days ago ), exercising my rights under FCRA 611 ( a ) ( 15 U.S.C.1681i ) I challenged the accuracy, compliance and report-ability of these accounts below. 

1. USDOE/XXXX  : Account number : XXXX I was never late. Please remove this account from my credit report. 

2. USDOE/XXXX : Account number : XXXX Please remove this account from my credit report. This account is showing several late payments, and I am for certain that I was not late during these months. 

3. US DEPT ED : Account number : XXXX The reported balance is incorrect. Please delete. 

4. US DEPT ED : Account number : XXXX There should be a zero balance. Please delete. 

5. US DEPT ED : Account number : XXXX The date of last activity is incorrect. Please delete. 

6. US DEPT ED : Account number : XXXX This account is reporting inaccurate and unverifiable information. Please delete. 

7. XXXX XXXX  XXXX : Account number : XXXX The reported balance is incorrect. Please delete. 

8. XXXX XXXX : Account number : XXXX There should be a zero balance. Please delete. 

9. XXXX XXXX XXXX : Account number : XXXX Please remove this account from my credit report. This account is reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 see multiple 120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I still do not know if this is really owed to SLS. This debt has been silent since XXXX had it in XXXX. 

However in fear of losing my home. I was gifted by family members the amount to bring the account current. 

I was told on multiple occasions by SLS staff that the phone line was recorded. During these recorded conversations I was told that if I bring the account current by paying {$50000.00} that I would then just need to pay {$310.00} a month. They also told me there were no pre-payment penalties. 

These are the following representatives that told me this : XXXX ID # XXXX, XXXX Id # XXXX, XXXX, XXXX, XXXX, and XXXX. 

They reported to you the CFPB that my payment also was {$310.00}. They also reported to you the CFPB that total amount to bring the account current is {$14000.00} if thats the case why did they make me pay them {$50000.00} to bring it current? 

After wiring SLS {$50000.00} on XX/XX/XXXX from my bank, Im now being told that my new monthly payment beginning XX/XX/XXXX will be {$1000.00} a month. 
Somebody messed up because I was told many many times it would be {$310.00}. 

This is unacceptable and is lying to a customer by SLS staff. 

It is also unacceptable that every time I call my so called Relationship Manager XXXX XXXX ID # XXXX is not available to go over my case. 

The debt I owed was XXXX somehow they are saying it is XXXX plus which also is not true. When asked to verify how they calculated the number figures they responded to me saying they couldn't disclose this information because it was proprietary information under the requirements of ( RESPA ) and regulation X? How will I know if they are really telling me the truth or commenting fraud with this mortgage? 

In good faith I have brought this account current out of fear, harassment, and intimidation believing that my payment would be {$310.00}. There is no way I will be able to pay {$1000.00} as I'm XXXX and with a fixed monthly income. I don't believe anything they say. They have sent me so many different statements, figures, and different amounts that I supposedly owe. They also have sent me other peoples loan documents, social security numbers, and other confidential documents that should have never came to me from their office. 

Makes me afraid and wonder if they are legit. I'm also afraid that they are sending other people my personal confidential information. They should be held accountable for breaching confidentiality. The way this world is today with identify fraud and theft someone could try to ruin my life, if SLS shared my personal information by neglecting to be careful. 

Please help end this nightmare, PLEASE!!!!!!!!!! 

XXXX XXXX Please see all attached supporting documents. 

I'll file a second one to attach the documents.

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 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive sent multiple letters and FTC Reports to XXXX Trans Union and XXXX. All three refused to investigate my claim. Ive told them Ive been a victim of identity theft. They keep saying they verified it. But Ive havent seen anything in writing. The following accounts are All fraudulent. Ive never done business with these companies or entered into a written contract. 
XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Account # 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 2021-11-30
Company: Steel River Systems, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Steel River Systems LLC made contact with me attempting to collect on a debt from 2005, without providing all information pertaining to the debt. I informed them I was disputing this 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 2021-04-22
Company: Risecredit, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The debt is with rise credit which I paid and when I try to dispute it with equifax they send me a notice stating that information has already changed. It hasn't its closed and killing my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
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:
Ive sent multiple letters and FTC Reports to XXXX XXXX XXXX and Experian. All three refused to investigate my claim. Ive told them Ive been a victim of identity theft. They keep saying they verified it. But Ive havent seen anything in writing. The following accounts are All fraudulent. Ive never done business with these companies or entered into a written contract. 
1. XXXX XXXX Acct # XXXX 2. XXXX XXXX Account # 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 2019-01-04
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2019, I discovered through the landlord of a property I was applying to rent that I had no credit score reported by Experian. Upon discovering this, I checked the application XXXX XXXX and it too showed no score. Not a zero, just no score at all. I also noticed that XXXX  has reported no score. I am XXXX years old and have paid bills all my life, Ive had to pay collection agencies, utility bills, etc. I am now being denied homes I am applying to rent. I cant get a credit card, even a card for people with bad credit. I called Experian and was told by an automated message that there was a technical difficulty and the call was ended. When I called back, the line gave a busy signal. I am a hard working XXXX  XXXX with a wife and XXXX children, I pay my rent and my taxes on time and I donate to charity. To be unable to move forward in life because a credit reporting agency has no record of me is absolutely unacceptable. Please help me correct this problem. 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 explanation
Consumer complaint received 2021-05-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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 recently found out that I am a victim of identity theft. A fraudulent account was open with this company. I sent the company a dispute letter, police report, and FTC report. I have not received a response from company. Its been over 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently received my " annual escrow account disclosure statement account history '' document dated XX/XX/XXXX for the escrow period from XX/XX/XXXX through XX/XX/XXXX. 

I recently reviewed the document and noticed that my payment for the month of XX/XX/XXXX is not incldued in the past payments history for payments to escrow. I made the payment and the statement indicates a payment in the amount of {$260.00} was credited to escrow in that month. It is not clear in any mortgage statement related to this account, from XX/XX/XXXX through today, that the XX/XX/XXXX escrow payment was reversed or where it may have went. 

In addition, the amount anticipated owing to County of XXXX taxing authorites for property taxes is incorrect. The amount to be paid no later XX/XX/XXXX and following is {$1300.00}. You ( and I ) were notified of this increase prior to your preparation of the current escrow disclosure statement and it should be reflected in the anticipated payments section of th disclosure document.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amsher is not aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I 'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 


Validation was not valid and did not provide original documentation to show ownership of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: WA
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:
CFBP Complaint XXXX : Three years ago, XXXX, I signed a legal document with XXXX XXXX XXXX since I was very behind on my payments giving them permission to obtain their funds in any way they wanted if I failed to not make payments again. Since then I have made regularly payments but they have been reporting my credit as accounts closed, in collections, and past due. There is nothing in the document I signed that gave them permission to misreport my credit. I have spoken with them numerous times and they refuse to stop. My loan will be paid off in 6 months, XX/XX/XXXX, and they have told me that they are going to keep these inaccuracies on my report stating that I have been in collections and past due every month for all this time. 

I filed a request for this to be corrected with Equifax twice and they have not done so. They say they are reporting what XXXX is telling them is true and will not listen to me when I tell them it is incorrect. My XXXX XXXX score keeps changing from XXXX to XXXX as I file these requests with Equifax. It was XXXX and then it went down to XXXX because Equifax stated that XXXX was reporting past due amounts. I filed the requests informing them that I have not made a past due payment in years and they replied that XXXX said they are reporting correctly and left it misreported. I then hired XXXX XXXX XXXX XXXX to help me and we filed and looked at my reports together. We sent letters requesting them to correct my information. My score went back up to XXXX for a couple of months and then back down to XXXX and there it remains today. 

Equifax is incorrectly computing my score and evaluating my credit. XXXX XXXX XXXX is misreporting my on time payments as past due and stating my account is closed and in collections when it is not. I want my XXXX accounts to reflect that they are not past due. I also believe that they should not be reflected as closed and in collections. Mostly, as I pay off the XXXX student loans I want all my accounts to show as being paid on time for as long as they have been and not have to start from closed XXXX accounts with past due, in collections inaccurate reports that will reflect negatively and impact my credit for 7 years. I have experienced apartment rental rejections because of these accounts not showing correctly. I have been making on time payments for years and my credit should be reported as such. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Servis One, Inc., Titusville, PA Branch
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My homeowners insurance was originally due in XXXX. I received notice XX/XX/XXXX from XXXX XXXX that the policy has yet to be paid by our mortgage account with XXXX XXXX. We have sufficient funds in escrow to pay this policy. The insurance company has been in constant contact with XXXX and they have been told numerous times that the payment would be sent overnight but it has yet to be done. The insurance has extended the due date til XX/XX/XXXX for this to be paid to protect myself, the homeowner. I need help to get the mortgage company to pay this payment out of my escrow account like they are supposed to. Dates of contact ... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX XXXX has confirmed and processed paid in full medical debt and sent over receipt of payment to credit bureaus to have this debt removed. The credit bureaus are reporting a duplication of this debt ( Reporting twice for {$100.00} ) and has still failed to update and remove from report per creditor instructions. The creditor has confirmed this information was sent to the bureaus to update and remove ASAP.

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 2019-07-07
Company: Total Card, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted total Card after cfpb complaint Explain to them they didnt provide a wet signature, signed promissory or and legal signed documentation with validation for aaid debt. 

Instructed said collector to stop collection immediately until they can provide signed documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX  opened up account FRAUDULENTLY IN MY NAME. XXXX  XXXX XXXX  needs to REMOVE ALL inquiries and balance FROM ALL THREE credit reports : TransUnion, XXXX and 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 2018-01-26
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This issue is related to XXXX XXXX XXXX offer added to my account. Per offer, I was supposed to receive {$25.00} back after enrolling for a new membership at XXXX XXXX XXXX. However, after waiting for a few days, I contacted CS to see why the credit did n't post. At first, I was told that the charge posted for this offer does n't qualifies for the credit. After explaining to CS that it does qualifies, an investigation was opened up. Today, I inquired on the status and was told that the charge was not valid. I got disconnected before I could respond. When I inquired again, I was told the investigation is still on going. I am not sure if the issue is actually being investigated or not since I have received conflicting answers from CS. Can someone from the executive team look into it? I joined XXXX XXXX as a new member and never had a primary membership. I have emails from XXXX XXXX which was sent out after I took the membership online. Please let me know if you need any other information. Since I can not post my card number here, you can find me by my email address - XXXX or by my zip - XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-09
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On multiple occasions since 2018 XXXX XXXX/Resurgent Capital/LVNV Funding LLC have placed collections on my credit reports. Ive challenge it multiple times and the credit bureau would remove them, then after 30, 60, 90, 120 days or longer these two companies which are the same Resurgent Capital and LVNV Funding LLC have gotten the credit bureaus to put the negative false debt information on all three of my credit reports. I will include copies of the multiple certified mail letters that I sent them in which they never responded nor provide proof to me of the alleged debt. They have willfully engaged in fraud and violation of the FCRA and are involved in racketeering and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There were no changes in any accounts from a credit reporting perspective. TransUnion reduced my credit score by ~100 points as a punitive action from my persistent attempts to get them to correctly report my auto loan from XXXX XXXX . I have been trying to get them to correct for over one year with > 10 attempts.

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