BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Contacted XXXX concerning account that has been charged off in the amount of {$8600.00} from {$10000.00}. The amount is incorrect on my credit report showing {$4000.00} which is incorrect. XXXX also posting monthly that {$50.00} is past due when no arrangements were made on this account. I realize the my son defaulted on the loan however, I was trying to understand why the charge off amount continues to increase every month. I asked for information on how they are posting on credit reports {$50.00} is due and is past due. I was put on hold repeatedly advising that they were checking on this issue but never returned to the phone and left me on hold for 25 minutes.

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 2018-07-11
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
1. We were promised 18 months interest-free, same as cash payments. But, if we fail to make a payment, then the accrued interest ( a whopping 29 % ) would need to be paid.

2. However, from the first month 's statement, it is clear that it is only 17 months. That is, even we if we paid the 18th payment on time per their statement, we would still accrue full interest. 
3. Besides, they never acknowledge a payment by an email.

4. They will not allow automatic payments.

5. All the above is a clear sign of deceptive practices intended to rip off the customer.

6. Details ( please read along with attached statement ) : a. 1st payment due is on XX/XX/XXXX. 
b. 2nd payment due is on XX/XX/XXXX. 
c. ... ... 
d. 17th payment due is on XX/XX/XXXX e. 18th payment due is on XX/XX/XXXX ( this will disqualify the consumer from promotion ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My son hurt my credit .He started to rob me when my wife died in XX/XX/XXXX. I had perfict credit. My wife kept he in check. 
However, when she died he wante every thing from. 
He forced him self into my Home at XXXX XXXX XXXX. 
He forced me out of my own home and now I live at my camp at XXXX XXXX NY for the past 4-5 years now. 
He XXXX XXXX XXXX, the animal we call him lives on XXXX XXXXXXXX in XXXX NY XXXX. Phone is his XXXX XXXX XXXX XXXX. 
my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The animal 's name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Make him pay all the bad credit he did to me in XX/XX/XXXX Just a few months after my wife passed and he did so much dammage to me over and over. He is classafied as a XXXX Lirer ... 
The XXXX XXXX XXXX  he opened in XX/XX/XXXX and ows $ about XXXX dollars. I did not do any of this. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX XXXX XXXX XXXX I hope you can get me some help if, you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX XXXX I need all my freeze/block removed ASAP. I am trying to access my credit for business and every vendor and bank keep saying I have a block or freeze on my credit profile. DOB XX/XX/XXXX SS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX LAST SS # XXXX Whom It May Concern : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account, thus the debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX OPENED XXXX XXXX {$910.00} XXXX XXXX XXXX OPENED XXXX XXXX {$61.00} XXXX XXXX XXXX OPENED XXXX XXXX {$48.00} XXXX  XXXX XXXX {$1100.00} I have enclosed a copy of the XXXX  XXXX XXXX Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform [ business where the account was opened ] that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.

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 2019-03-12
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 fraud alerts or security freezes

Complaint:
My name is XXXX XXXX XXXX I need all my freeze/block removed ASAP. I am trying to access my credit for business and every vendor and bank keep saying I have a block or freeze on my credit profile. DOB XXXX SS 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 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX XXXX I need all my freeze/block removed ASAP. I am trying to access my credit for business and every vendor and bank keep saying I have a block or freeze on my credit profile. DOB XXXX SS 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 2019-03-12
Company: AR Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ar Resources Inc Opened XX/XX/2013 {$170.00} Original creditor : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was given to XXXX XXXX XXXX. I settled the debt in XXXX of 2018. XXXX XXXX   XXXX communicated with the original debtor ( One Main ) the account was settled. One Main has been still reporting to the credit bureau that I have an outstanding debt. They also have been reporting failure to pay even after receiving payment last year. I have been getting negative marks because it is showing I haven't been paying for months but the debt was settled and I don't owe anything. I've disputed twice and talked to them on the phone and still no results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
Company: Experian Information Solutions Inc.
State: NJ
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 2 leases with XXXX XXXX. I have had excellent payment history on both accounts, until the national lockdown in XX/XX/2020. The world suffered from this pandemic and during this time everything non-essential was closed. We contacted XXXX immediately requesting a deferment which was granted. We continued timely payments even though our NJ XX/XX/XXXXis only at 25 % capacity ( which equals 17 seats ). I believe that reporting a late payment, while the world was shut down and experiencing uncertainty to the future, is completely unfair. 
As we continued with perfect payments, we are trying to purchase a home since our lease is expired and our landlord wants us out so she can sell her rental. Unfortunately, this negative reporting on 2 accounts lowers my score unfairly. This derogatory reporting will affect our ability to secure a good mortgage or a fair interest rate. 
Please help a XX/XX/XXXXsurvive these uncertain times and help us enjoy our hard work & perseverance as a survivor and not a victim. 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 2020-05-14
Company: Experian Information Solutions Inc.
State: NV
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 is wrong info on my credit report and I would like to get this issue resolved

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 2020-11-16
Company: EQUIFAX, INC.
State: NJ
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 2 leases with XXXX XXXX. I have had excellent payment history on both accounts, until the national lockdown in XX/XX/2020. The world suffered from this pandemic and during this time everything non-essential was closed. We contacted XXXX immediately requesting a deferment which was granted. We continued timely payments even though our NJ cafe is only at 25 % capacity ( which equals 17 seats ). I believe that reporting a late payment, while the world was shut down and experiencing uncertainty to the future, is completely unfair. 
As we continued with perfect payments, we are trying to purchase a home since our lease is expired and our landlord wants us out so she can sell her rental. Unfortunately, this negative reporting on 2 accounts lowers my score unfairly. This derogatory reporting will affect our ability to secure a good mortgage or a fair interest rate. 
Please help a small business owner survive these uncertain times and help us enjoy our hard work & perseverance as a survivor and not a victim. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 2 leases with XXXX XXXX. I have had excellent payment history on both accounts, until the national lockdown in XX/XX/2020. The world suffered from this pandemic and during this time everything non-essential was closed. We contacted XXXX immediately requesting a deferment which was granted. We continued timely payments even though our NJXX/XX/XXXX is only at 25 % capacity ( which equals 17 seats ). I believe that reporting a late payment, while the world was shut down and experiencing uncertainty to the future, is completely unfair. 
As we continued with perfect payments, we are trying to purchase a home since our lease is expired and our landlord wants us out so she can sell her rental. Unfortunately, this negative reporting on 2 accounts lowers my score unfairly. This derogatory reporting will affect our ability to secure a good mortgage or a fair interest rate. 
Please help a XX/XX/XXXX survive these uncertain times and help us enjoy our hard work & perseverance as a survivor and not a victim. 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 2019-10-22
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Letters, personal documents were sent. As requested. By, a Credit Bureau never. 

Got an answer. Then after talking, to a person at. Credit bureau, said a photo copy of. Drivers license was never delivered. 

After, dispute was completed. Done. On the, phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Real Time Resolutions LN XXXX XXXX XXXX XXXX XXXX XXXX , XXXX CA XXXX Real Time Resolutions has agreed to a settlement and even accepted funds for a payoff of this account yet will not record a reconveyance. Real Time Resolutions received the funds and required documents on XX/XX//20. The reconveyance was never completed. We have called Real Time Resolutions several times since then and they claim the issue has been escalated, but to date nothing has been done at all. No one in their escalations department has responded. Our multiple voicemails have gone unanswered. 


A reconveyance takes no more than 1 week to complete and record. Its been almost three months. I understand the impact COVID-19 has had, however, the reset of the real estate industry has figured out a way to move forward, as have the rest of the servicers. Real Time Resolutions received the funds and closing documents several weeks prior to the shutdown this should have been recorded well before the shutdown. -- -- -- At this point I can only believe that you intended to defraud your client from the beginning and had no intention of following the terms of your settlement. 

I have attached a copy of the settlement. I am requesting the reconveyance to be recorded without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
called in XX/XX/XXXX and scheduled two payments with my mortgage company. I was told I was given a forbearance until XX/XX/XXXX over the phone but when I called in they told me that was incorrect. I realized I made the payment with an incorrect loan number. I was misadvised XX/XX/XXXX and told I couldn't delete payments over the phone and could only do it by emailing their customer service. I set up two payments which would have satisfied XX/XX/XXXX and XX/XX/XXXX set up payments for XX/XX/XXXX. I called in today XX/XX/XXXX and was told my payment was never taken for the XXXX I set up on XX/XX/XXXX but only was told yes payments are there when asking for a manger. I know because I was miseducated about the forbearance and the payment process it was to only further put me delinquent so I could be pushed into foreclosure. I was miseducated and intimidated to only take my phone

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 2019-03-12
Company: CITIBANK, N.A.
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Due to the lack of responsibility and irresponsiveness of a Citibank 's staff, my student loan with Citibank missed the collection time limitation and the loan become " discharge ''. I lost track of my loan in XX/XX/XXXX when Citibank told me that my loan was transferred to another company. I have been chasing where my loan is since then. I finally got in touch with a lady of Citibank in late XX/XX/XXXX and knew that my loan was still with Citibank. Then I have been following up with her. I asked for the latest amount to write on the check since I have lost track of my loan for a long time and I don't know the amount on the latest statement. I have been sending emails with her since late XX/XX/XXXX and asking for the amount for many times and expressed many times that I want to make the payment as soon as I know the amount. Without telling me the amount to write on the check, she didnt tell me there is a collection time limitation either, which leads to the discharge of my loan. Now I got a XXXX with the principal amount and I have to file the tax soon. And I will have a bad credit record. I dont think I deserve such a result after chasing my loan with Citibank for such a long time. I have the email evidence to show all the efforts I made in the past several years to chase where my loan is and to ask for the amount in order to repay the loan as soon as possible. What I want is that the bank gives me a channel to repay all the principal and interests and the bank issue an updated XXXX form to me and to IRS. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSWORLD SYSTEMS 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:
Im making a complaint against trans world system inc. For some reason this account ended up on my XX/XX/XXXX report Ive reached out to the company more than 3 times but the account the day belongs to me is not mine, I was homeless for the time they said I had the account. In 2018 I was completely homeless and jobless how did I get any service from this company. Around the same time me and my wife identity was comprised and I told the credit bureau XX/XX/XXXX this but this account is still hanging around. I am very concerned with the level of identity theft going on in our country right now let alone my state. I actually had my identity stolen before so I know for a fact that this must be the same thing. This account isnt mine and the creditor wont tell the credit bureau XX/XX/XXXX the truth, its not mine and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  LAST SS # XXXX Whom It May Concern : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account, thus the debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX OPENED XXXX XXXX {$910.00} XXXX XXXX XXXX OPENED XXXX XXXX {$61.00} XXXX XXXX XXXX OPENED XXXX XXXX {$48.00} XXXX XXXX XXXX {$1100.00} I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform [ business where the account was opened ] that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made a down payment for furniture at the beginning of XXXX under the impression I would be moving by mid XXXX for the amount of XXXX dollars. About 2 weeks later I was placed on bed rest due to complications with me XXXX. I contacted the company I purchased the furniture from and requested a cancellation. Spoke with the manager and was told to dispute the charge with the bank when they refused to work with me on a refund. As well as the unit I was promised never being vacated by the previous tenant, effectively canceling my move for the foreseeable future of at least a year. My bank has effectively issued a credit from me opening a dispute and taken it back from my account with no warning. I am unemployed due to XXXX and the pandemic resulting in lay offs in my career field which is XXXX so its disheartening to punished for complications beyond my control. I never received the furniture and had a remaining balance.

Company response to consumer: Closed with explanation