BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-27
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX and my wife XXXX and I have an account with Specialized Loan Servicing for our townhouse in XXXXXXXX XXXX XXXX. I have been paying our mortgage on time diligently for the past XXXX or XXXX   years with SLS and never had a notice or complaint from them until recently. SLS sent me an option to choose to receive paper bills and I opted for it this XX/XX/2018. I got a notice from SLS this month XX/XX/2018 that I have an outstanding late unpaid balance of {$1500.00}. I was shocked to get this notice and so I called them on the phone but was not given a clear answer as to where this unpaid balance came to be. I called XXXX or XXXX   times and I was given different answers each time. I requested for a supervisor and they told me that a supervisor will call me back and explain to me what the problem is. But no supervisor has ever called me back. Twice I requested for a supervisor call back and did not received any call back. I am willing to pay this amount if SLS can explain to me in writing where this unpaid balance came to be. My concern is if I pay this blindly then how do I know that I will not get another notice from SLS about another made up unpaid balance in my account. Please help us resolve this problem with Specialized Loan Servicing.

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 2018-04-28
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
As a law abiding gun owner I am deeply upset on how banking corporations are threatening business owners for exercising their Second Amendment rights. 
It feels like yesterday when these corporations received nearly half a trillion dollars in taxpayer-backed guarantees and cash after putting the entire financial system at risk. Citigroup as well as XXXX XXXX XXXX  have no business threatening law abiding business owners for exercising their Second Amendment rights. The only reason that they are even in business today is because American taxpayers bailed them out during the Great Recession. Instead of imposing its political agenda on the American people, they ought to be finding ways to help these mostly small businesses grow. They certainly shouldnt be threatening Constitutional rights. 
Law-abiding gun owners have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. 
Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. No American should be treated as a scapegoat for someone elses crimes.

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 2018-06-27
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is refusing to remove an collections account on my credit report. The account was originated prior to XX/XX/2012, but the date reported on the credit report is XX/XX/2012. There have been XXXX payments made on the account with XXXX XXXX XXXX That means the debt is out of Colorado XXXX , is well over the 7 year limit for any credit reporting. This account has been removed from all other credit reporting agencies. Also per my dispute that I filed with CFPB # XXXX XXXX and XXXX has agreed to remove the the account with XXXX XXXX. Experian has been notified and they will not remove this account either. They are not following industry standards, and they are causing detriment to my ability to obtain future credit. Both of these accounts need to be removed from my credit reporting as they do not meet industry or legal standards.

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 2018-06-27
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
***Re-submitting my complaint with additional information*** I have applied for an account. The system notified me after providing the requested verification of address that it was not received. I then called to find out why. The first agent advised that the automated system rejected my bank statement. When I asked why, she advised she did not know. She then transferred me to XXXX, a supervisor. I asked him the same question as I did the agent and he said because thats what security is saying. When presweed he continued to say because thats what security said. I advise XXXX that it is my right to know why this is being rejected as my identity has been stolen twice now and if there is an issue I need to know. he then continued with, because thats what security says and we dont have to disclose this to you. Then when I asked why i wasnot allowed to lnow he proceeded to tell me because of security. I then asked him if my bank statement was rejected by the automated system or by a real person and he proceeded to tell me he didn have to tell me this. I also asked XXXX if I submitted another document off the listed since it was for address verification and I redacted other personal information, he advised me that it would also be rejected but refused to tell me why since this is only for address verification and not identity verifcation. 

XXXX also refused to provide me with his ID number so a complaint could be made as well. 

My account has been opened since the end of XXXX, which is the same time that XXXX XXXX received my complaint. I responded back stating the only reason that my account was all of a sudden opened and approved was because of my compliant. I received an email this morning, XX/XX/2018 advising my application was denied even though my account has been opened about a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Experian Information Solutions Inc.
State: CA
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:
Report shows my final car payment was late, but i provided a bank statement showing it wasn't. I even provided bank statements for the previous months to show that it was paid on the same day every month ( it was on autopay with the leasing company after all ) with no issue.

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 2018-10-18
Company: Experian Information Solutions Inc.
State: AZ
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:
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, PENN CREDIT CORP # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Reported me to the Credit Burea and placed me in Collection for {$130.00}. The collection didn't show up on my Credit report until XX/XX/2019. I immediately called PENN Credit Corp to ask what this collection was for. I recognized the Creditor but it was at a house in a state I don't live in. I live in XXXX Ga and the house is located in XXXX OH. Since I was already reported to the Credit Burea, I was not given a chance to dispute or validate the claim. Since the amount in question was small, I wanted to settle and move on. PENN CREDIT will not remove the collection from my Credit Report. This seems like a very unfair practice of reporting before the claim could be verified. 

XXXX 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 2021-11-04
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2018 i refinanced my house with quicken loans. I owed XXXX to Barcley 's bank for a credit card. XXXX wrote a check to Barcley 's for the total amount due of XXXX payable to Barcley 's. I sent Barcley ; s the check and the debt was declared paid in full by Barcley 's. Apparently Barcley 's had hired a collection agency named XXXX for my debt. I have no recollection of dealing with XXXX, but either Barcley 's failed to notify XXXX that they received payment or XXXX failed to remove it from the credit bureaus because I have just refinced my house again with XXXX to get a lower interest rate and once again they have made another check to Barcley 's for the same XXXX. I have now had to pay Barclay 's twice for the same debt. XXXX 's tells me I will have to contact XXXX. However, my Check is made out to Barcley 's  and since I don't owe the XXXX Barcley 's will have deposit the check and reimburse me. Barley 's or XXXX XXXX should have removed this debt from the credit bureaus so I didn't have to pay it twice, If you could help me clear this up I would appreciate it.

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 2018-08-02
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have leased an XXXX from a MA based dealership in XX/XX/XXXX and ended on time and paid in full my 3-yr lease in XX/XX/XXXX. I have not heard once, by phone or mail and nothing was ever reflected on my credit report about any payment demand. Only after I disputed, in XX/XX/XXXX, via XXXX  that the account was still open, I received a charge-off of $ XXXX.I disputed it via credit bureau and no resolution, with still impact on my credit score.. Still no phone call or mail. After a second dispute, the answer came back negative and now I have a XXXX charge off. I called Hyundai ( XXXX ) and I was told three different things by three different people. The first told me my car was stolen and was charged residual value, then I called back and was told that I had not paid the last 5 months of lease ( which I have bank proof I did ), then I called again and was told that my insurance did not cover some charges to fix the car. I feel the company has no idea what's going on and certainly has not notified me of anything and now I have 70 pts dropped in my report which affect my finances. I filed complaint with the XXXX and XXXX came back with the same statement, but no document or proof about the charge off. 
XXXX response is totally out of place and inaccurate and lacks of evidence. There is no one piece of document I have received. My car had minor scratches and my insurance covered those charges, I brought the check to Hyundai dealership and never heard from dealership or XXXX again for almost two years, until recently and only because I initiated a dispute on the account status. Now XXXX  claimed not only that they invoiced me, but also that the car was badly and heavily damaged and completely totaled. Assuming for a minute this is the case, a much more detailed and timely investigation should have taken place. Anyone, including a business, should have a complaint about a product, a return or anything else, should timely notify the consumer. How do I know that what XXXX is true and even if it was, that the car was damaged further, after my release? It is too convenient and totally unfair to let things go and after a long period of time assuming certain facts and charging someone largely differently than the original status ( when i turned in my keys ). XXXX should prove that detailed reports have been sent, should also speak with the dealerhip that took in my car and remove the credit charge from my report, at least until this situation is resolved or attemped to be resolved. I am willing to do anything I can on my part, but with no documentation in my possession, not with a mere statement over the phone and without evidence it is an impossible task!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
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: Investigation took more than 30 days

Complaint:
TransUnion states that my XXXX XXXX XXXX  account is 100 % accurate, when clearly you can see the inaccurate information place on my TransUnion credit report, I try disputing multiple times for inaccurate information such as my legal name is XXXX XXXX XXXX, not ( XXXX XXXX ) thats incorrect, ( Date Opened ) thats inaccurate, ( Balance ) inaccurate because a charge off should be XXXX, ( Date Closed ) inaccurate, ( Payment Received ) thats not correct, ( Last Payment Made ) inaccurate because my Bank statement indicate a different Day. The ( estimated date of remove ) is inaccurate, ( Terms ) isnt inaccurate I send them a validation of debt and they stated that they are NOT OBLIGATED to send me any information on the account also I send them a letter under the section 623 and also they failed to respond. I made a complaint with the CFPB and XXXX XXXX XXXX failed to respond to the CFPB also I have a recording with TransUnion and XXXX XXXX XXXX, the employee with TransUnion stated that they dont do a investigation when clearly thats violating the law under section 616 & sections 617. But TransUnion Stated that is Verified on the mail Letter that I received at my home, so I ask them for method of Verification and they refuse to send me the method of Verification and also failed to Respond to me and the CFPB, They are violating my rights and defamation of character under the ( FCRA )

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 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
2018 XXXX and Bank of America are attempting to set a dangerous and unfounded precedent of discrimination aimed at law abiding consumers. Bowing down to pressure from political anti XXXX interests is discrimination against millions of americans based on nothing more than political pandering by anti XXXX groups who wish to harm efforts of law abiding consumers to exercise their Second Amendment rights GUARANTEED in out Bill of Rights. Since when does attempting to manipulate major banks come into play where national policies are concerned in the realm of political law making? These two banks are acting out of bounds for their purposes. Being used by one political group to damage another political group is illegal discrimination period. There is no place in the House or Senate for this type of activity which is heading down a path of precedence that, if not curtailed, has the potential to cause irreparable damage to our nation and allow any political agenda access to banking manipulation for every pet peeve some group may have against another.

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 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I HAVE ASK TO HAVE THESE TO BE REMOVE AND THEY HAVE YET TO REMOVE THEM.

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 2019-03-26
Company: Green & Sons Agency, Inc.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX has repeatedly called my place of work as well as my cell phone for the past 3 weeks. Today ( XX/XX/19 ) was the latest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: Experian Information Solutions Inc.
State: CA
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:
These are not my accounts. Please remove them.

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 2021-05-06
Company: TD BANK US HOLDING COMPANY
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:
I have a loan with XXXX  XXXX/XXXX, TD BANK USA/TARGET CREDIT and XXXX/XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX  XXXX/XXXX, TD BANK USA/TARGET CREDIT and XXXX/XXXX  XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and XXXX  XXXX/XXXX, TD BANK USA/TARGET CREDIT and XXXX/XXXX  XXXX  with no successful resolution. XXXX, XXXX, and XXXX  reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: SYNCHRONY FINANCIAL
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:
I have a loan with XXXX  XXXX/XXXX, XXXX XXXX  XXXX XXXX  and SYNCBXXXX XXXX and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX  XXXX/XXXX, XXXX XXXX XXXXXXXX CREDIT and SYNCB/XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and XXXX  XXXX/XXXX, XXXX XXXX  XXXX XXXX  and SYNCB/XXXX XXXX  with no successful resolution. XXXX, XXXX, and XXXX  reporting me having late payments. There was an error on their part. I was never late.

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 2020-08-31
Company: SinglePoint GI
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received multiple phone calls for a debt collection pertaining to someone not related to me in any way, shape, or form. These calls come to my work phone number and I have called repeatedly informing them I am not the debtor in question

Company response to consumer: Closed with explanation