BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are 2 accounts that are fraud, they arent even with the particular companies and I Told XXXX XXXX and XXXX about the problem. I sent proof over and the bureaus are still reporting the accounts. Equifax and XXXX says the account is in good standing and XXXX XXXX says that it is removed but i bought 4 new credit reports since then and i still see them! According to 3 consumer laws these accounts should be removed due to fraud and not belonging to me. 

XXXX and XXXX XXXX on XXXX XXXX need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
I applied additional cards on XX/XX/XXXX for my two American Express credit cards, Everyday and Platinum, because they sent me an offer which would give XXXX and XXXX membership reward points for each Everyday and Platinum additional card, respectively, after reaching certain spending requirements. I applied four additional cards for each account and would expect to receive XXXX and XXXX XXXX XXXX. 
However, one month after my additional cards all reached their spending requirements, today I found all additional cards were cancelled. I also updated necessary information on XX/XX/XXXX per their request. 
They just kept asking me to call them but no one really tried to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX  Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-06-05
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
A dispute for {$64.00} was denied by PayPal even though XXXX, ( company who was paid the {$64.00} representing XXXX XXXX ) offered to allow me to get {$64.00} credit merchandise. The denial came today, Wednesday, XX/XX/2019, about 2 hours after I had called to see the status. XXXX XXXX offered services that they could not and did not provide. Also, the test results were very wrong according to my medical reports. All of XXXX XXXX  customers appear to be told that the XXXX XXXX and the XXXX test does not show ; however, this maybe because they do not have the capacity to perform these test ; thus false advertising. XXXX is offered on XXXX via XXXX, Texas then shipped to the XXXX. Everything is very " off '' concerning this XXXX offer. I shared with PayPal that I had my own test results and that the company was doing false advertsing. PayPal told me to wait to send additional information but denied the claim without the additional information. PayPal fax number is not working at least in the PayPal Credit Department. PayPal failed to protect me from dishonest XXXXXXXX. The results conflicted with other lab results. This appears to be a big rip off in the XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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:
Fia Card Services Na has a federal judgment against them for injustices of card users, My first claim was they were not listed on a XXXX XXXX XXXX judgment which is hampering my day to day functioning. XXXX XXXX XXXX date is isted 2011 which is used to delay my relief. Docket XXXX In my first response I did not explain the federal judgment against this group.discrediting their credability. 

Their response was just which your agency demanded was just enough to delay for another 60 days. 

I ask for relief as to their proven unlawful charges, fees, and forcing responses and payments from correspondents or customers

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 2019-06-05
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX of 2019, I received a XXXX XXXX notification that my credit score took a turn for the worse due to a missed payment Barclay claims was my fault. Even though this was reflected on my account, I have no records of owing Barclay the amount reflected on my account. Due to this, I was taken back when I saw the amount I owed Barclay. When I received notification from Barclay that I missed a payment I promptly paid the full amount plus interest. 

I contacted Barclay over the phone on XXXX of 2019 to dispute the missed payment. They told me it was not possible even though I have never missed a payment for being a loyal customer with them for two years. 

I included the letter in this request that I sent to Barclay and asking for your assistance in making sure this is fair to 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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX several calls in a day from various cities, and phone numbers. Stating if I dont pay I would potentially have my funds garnished. I asked them to stop calling when unemployed and after receiving part time work that I was still experiencing a hardship and would contact them when it would be a better time to pay. They state they note the account yet still call multiple times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I have a mortgage with XXXX XXXX XXXX and we applied for a loan modification in XX/XX/XXXX and we have a signed contract stating that our loan modification has been accepted. The next month in XX/XX/XXXX XXXX XXXX XXXX sold the loan to a company called XXXX. In XX/XX/XXXX we sent in the new payment of {$1900.00} and Shellpoint accepted and cashed it. We sent in XX/XX/XXXX Payment of {$1900.00} to Shell Point and they accepted that payment as well. Then, we sent in XX/XX/XXXX payment but they returned the it and stated that we were not paying the right amount. We sent in XX/XX/XXXX payment and they also return to that to us and said we were n't paying the correct amount.

We have not paid the mortgage payment sinceXX/XX/XXXX because they keep returning the payment. Now Shellpoint is stating that they are not accepting the modification and they are looking to foreclose on our home. We have tried contacting the president of the company and we have tried getting him to accept our payment, but they will not accept our payments which has lead us to believe that they are trying to get us to foreclose on our home. 

We have told them that we would catch up on all payments if they would just remove the damage from my credit report. They have been reporting inaccurate negative information to our credit report and now even though we want to sell our home to a new mortgage company, no one will give us a new mortgage because of what Shellpoint has reported to credit bureaus. 

My husband and I completely are at a loss and feel like we are about to lose our home because Shellpoint company not willing to accept our payments or call us back after numerous attempts to talk to them. XXXX XXXX is the supervisor and she keeps putting us off and will not call us. We are completely stressed by the situation and have the money to pay our mortgage but they will not contact us back and we do n't know what to do. We have a new house that we want to buy in New York but the new mortgage company will not give us a mortgage because of the current situation. Although we explain to them that the company wo n't accept our payments they do not care. We have even contacted and attorney but they all want XXXX plus to help us. I will include all the contracts and documents and bank statements proving our payments and that Shellpoint is completely reckless and negligent in what they 're stating and reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

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 2020-02-03
Company: Ocwen Financial Corporation
State: MD
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 spoken to PHH Mortgage Consistently and in XXXX the confirmed that I owe XXXX or close to that number. Now I consistently seeit getting higher. I know there is some definete frayd here. I have to continuosly write CFPB to get changes. If I do not see a reduction in my mortgage to the correct amount I will be forced to resort to obtaining legal resources. I am upset that PHH mortgage, a subsidiary of Ocwen, has not corrected that mortgage company 's flaws. I I DEMAND my mortgage balance amount be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently sent a notice to your company advising you of the false information that you continue to report on my credit file. The account listed has such erroneous information. A reporting of such is often done to purposefully lower a consumer 's credit score. I requested for you to send me validation BEARING MY SIGNATURE!!!!! You have failed to do so. ( FYI.statements are not proof of validation ) I disputed with the credit bureaus and, I received a notice stating the account was updated. However, the update not only included the same false information but also showed the account was not listed in dispute. I disputed this Capital One account again with the credit bureaus ; the account shown was verified with the same information. Please note I have kept strict and accurate records of all transactions between your company and myself, and the credit reporting agencies and myself. I am fully prepared to present this undisputable information to the court if necessary. This account needs to be removed from my credit files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: AL
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 disputed with all credit bureaus about verifying information through a third party when the original information was not acquired by them as the original information says they do not report any information to any credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received a phone call from the company XXXX about making my credit card payment. I stated that I would be going online to make the payment when I hung up, which I followed through. On the payment site I made selections for the {$40.00} plus dollars which was the XXXX due and on the card. Followed the steps to the next page and something must have gone wrong as the payment did not go through. I at the time thought it was complete. It was not until I noticed a significant drop in my credit score,  called XXXX to understand the issue and ensure I had not been a victim of identify theft, that I found out my score significantly dropped due to an unpaid bill of {$70.00} plus dollars ( {$40.00} plus the late fee ) for this XXXX account. I have had this account since XX/XX/2012. A credit limit of {$1000.00}. I most always make the full payments prior to the month of the purchase because I only use the card for the points. I have never missed a payment. And this was reflected on my score of an XXXX that dropped to XXXX because of a {$40.00} bill and a {$35.00} late fee from XXXX. This is ridiculous to allow a company to have the right to claim this type of penalty.

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 2023-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
This company has sued me in Court in XXXX without ever notifying me of an attempt to collect, for a debt that is not mine. The first I was made aware was when I was served at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have spoke with LoanCare atleast once a week for 6+ weeks. I was sent paperwork for a partial claim in XXXX, I asked for a breakdown of what was included in the partial claim. After many attempts and incorrect information, I received a call from LoanCare asking when I was making a payment. I said I was requesting a breakdown of the numbers included in the lump sum partial claim. I was informed, of that is expired, we will have to send out another packet to you. The packet I received 6+ weeks later is for a mortgage modification and partial claim. I immediately called and asked why there were modification paperwork included with the partial claim. I'm being told I was denied the partial claim. I have spoke to them weekly requesting a resolution because I do not wish to modify the mortgage. Spoke w LoanCare today, I was told FHA denied it and when they have the written denial notice completed they will send it to me. I asked if it states why it was denied and they said no. LoanCare repeatedly says " a supervisor will be in contact in 24-48 hours '' this has never happened and I have yet to speak with a supervisor. A covid loan modification is meant to " help '' the homeowner. By modifying my mortgage my payment will increase by approx XXXX XXXX The partial claim that is attached to the modification is what I would like to execute. The modification does nothing to the arrears owed, it simply increases my interest rate from XXXX to XXXX. I have reached out to HUD and was given a list of " resources '' however when I contact these resources they do not handle covid relief options and refer me to " call a attorney ''. I was told today to either pay the amount owed in full approx XXXX or sign the modification documents. I feel like LoanCare is not following the HUD requirements and they simply would like to change my loan from 3.125 % interest to 6.875 %. I'm not sure where else to turn to for answers

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 2021-06-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company did not send validation of the debt in writing within 30 days of initial contact The company did not have permission to contact me. 
The company did not satisfy my request to validate the debt as the following were not provided : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Commission for debt collector if collection efforts are successful.

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 2018-05-12
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/XXXX I noticed on XXXX XXXX that XXXX had reported my closed account as being late. That same day I contacted XXXX and I asked for an explanation and I was told there was a {$1.00} balance on my account which I did not know since I never received my final bill. The agent apologized and stated that XXXX would re-age my account and forgive the balance and it would be corrected on my credit reports. 

On XX/XX/XXXX I contacted XXXX again since my reports still showed the negative information and was told it was still being worked on and I should wait for 1 to 2 billing cycles. 

To this day the account is still reporting to the credit bureaus as 30 days past due.

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 2021-04-07
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I received a copy of my credit report and found that there is an error in the following item : 1 ) XX/XX/XXXX ( Charge Account, Opened XXXX XXXX, XXXX ( 9 yrs, 1 mo ) ). 2 ) XXXX XX/XX/XXXX XX/XX/XXXX Charge account, Opened XXXX XXXX, XXXX XXXX 8 yrs, 11 mos ) ). These accounts have been in my report for over 7 years. I already wrote to the company months ago and still have no response.

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