BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-30
Company: American Financial Network Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My documents have my name misspelled. My name is XXXX ( one word ) NOT XXXX XXXX ( XXXX is not a middle name ) I was very specific with the mortgage company regarding the spelling of my name and was assured that it would be spelled correctly. I brought it to their attention numerous time and was assured each time that it would be correct for the filing. When I receiving the documents to sign in front of the Notary I again expressed concern regarding the spelling of my name. we called the loan agent and was assured that it was not a problem and would be corrected. I have received my documents from the new mortgage company as sell as the grant deed from the title company. My name is misspelled on everyone of the documents. consequently all the reporting etc. will be reported under the incorrect name. I contacted American Financial Network and have received NO response. I also specifically asked if they would hold the loan the full term of the loan I was assured that they would. The ink was hardly dry on the paper and I received notification that the loan has been sold to 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 2019-09-13
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I've been making my payments via phone to Caliber Homeloans and pay an extra {$8.00} a month. Never missed a payment nor has one ever been late. 
This week I get a letter due to so many insufficent funds I now have to get a money order. I've called numerous times they said I set up a automated account which I started to but I have never used. Caliber has tried taking my money. XXXX XXXX has now blocked Caliber. All my payments are from XXXX and have been on time for 3 years. Today I had to pay {$25.00} to have my check over night sent. I asked if caliber could make my payment date the XXXX since I get paid on the XXXX they said no unless I want to refinance.IVE NEVER HAD A LATE PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: CCS Financial Services, Inc.
State: HI
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:
CCS Collections has received disputes 2 disputes for the account entry reflected on of my bureau reports. In my previous correspondence to them, I have requested that they prove the debt they placed on my credit reports and alleging I owe, is indeed mine. I never received a dunning letter nor any correspondence from them notifying me that they were attempting to collect a debt. My requests specifically requested that they provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, original delinquency date, date this alleged debt became payable as well as complete accounting of alleged debt. To date, to no avail. Additionally, I have disputed with the credit bureaus and they submitted documentation that states CCS verified the debt ; however, CCS has yet to respond to both of my requests made to them sent certified mail. My certified receipts validated that both letters were received by CCS in XXXX and XX/XX/2019. This erroneous, inaccurate, unverifiable entry on my reports is violating my consumer rights and has caused me denials for credit. Please see attached documents that reflect my numerous attempts to communicate with this company.as well my credit reports that reflect this erroneous, inaccurate entry. The mere fact that CCS has never sent any correspondence to me notifying me that I owe an alleged debt. This is a direct violation of my rights. Blatantly inserting an entry on my reports not notifying me violates my rights as a consumer to dispute the validity of their alleged claim. DELETE THIS ENTRY IMMEDIATELY AND SEND A FULL, UPDATED COPY OF MY CREDIT REPORTS THAT REFLECTS THE AFOREMENTIONED OUTCOME.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom this may concern, my rights are being violated by Experian under the federal laws that I've listed below : 1 ) 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Notice of Results of Reinvestigation 2 ) 15 USC 1692 ( g ) ( a ) Validation of debts 3 ) 15 USC 1681i ( a ) ( 5 ) ( A ) ( 1 ) Treatment of Inaccurate or Unverifiable Information 4 ) 15 USC 1681e ( b ) Accuracy of Report I've tried numerous times to resolve this issue with Experian with little to no success. I asked them to reinvestigate the account as it does not belong to me but someone else.

I asked them to provide me with a copy of the investigation and I am yet to receive it. Experian is hurting my credit score and credit worthiness by them failing to report accurate credit information on my credit report.

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 2019-09-13
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:
XXXX, XXXX A SOC SEC # XXXX ADDRESS XXXX XXXX CT, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX A SOC SEC # XXXX ADDRESS XXXX XXXX XXXX   XXXX, FL 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 2018-05-01
Company: EQUIFAX, 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 information incorrect

Complaint:
Equifax illegally displaying false information on my report. A medical collection account keep reappearing on my credit report. I have no knowledge of this account and I did not sign a contract nor did I give anyone permission to give out my personal information. My only conclusion is this account may be from a workers comp claim from my employer, which I am not liable for, also all claims and bills for that claim was satisfied by workers compensation. You need to resolve your problems with workers comp and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: U.S. BANCORP
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Original Date XX/XX/XXXX Account was Re-billed XX/XX/XXXX in the amount {$2500.00} The charge was immediately disputed as an unauthorized charge with US Bank upon receipt of the statement the bank has refused to resolve this fraud. 

The card was Not present during this charge date and therefore the card was not swiped or was a card with a chip inserted, nor was there any Signature Authorization as corroborated by US Bank

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 2019-09-13
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: Old information reappears or never goes away

Complaint:
I have an account ( XXXX XXXX ) that is still showing on my credit report. This account is stated to remain on until XX/XX/2019 and it is still showing. I have disputed a previous item with Experian and it took less than 30 days to respond to me previously before, so this shouldn't be a problem for them to remove this item that is due to come off of my credit report.

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 2019-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
I requested a validation of the debt from collection agency Portfolio Recovery Associates, LLC. In my request for validation, I demanded a authenticated copy of an original contact with my signature as per the Fair Debt Collections Practices Act, tile 15 U.S.C section 1692g. Portfolio Recovery Associates, LLC failed to validate the debt. The only documentation that I have received is a billing statement from the original creditor. I do not consent to contract with Portfolio Recovery Associates, LLC. The collection agency is in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02
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: Old information reappears or never goes away

Complaint:
Old information apperead XX/XX/2018. For 2 years I was paying a debt, and I did not fail and the Bank did NOT report. The debt was settled and they reported it in XXXX but paying in delinquency. The bank did not report for 2 years and requested that it be removed from my Experian credit report.

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 2018-02-22
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i recently sent experian two documents reguarding an account on my credit report via certified mail, i also sent a photo id and a social security card..both documents were very clear in detail, one which under federal law and spelled out very clearly was basically not honored or reviewed, as an employee lied to me about what i requested..i sent a method of verification letter which clearly stated the account i was inquiring about, which states under FCRA 611 ( a ) ( 7 ) that i have the right to receive the documents that they have used to verify the account was mine, within 15 days.the agent i spoke to told me that they dont have any documentation about the account and that they arent required to send it to me.so experian sent me a letter stating that they couldnt honor my request based on the limited amount of information regarding my dispute when clearly in the heading of my method of verification letter that they received it states the name of the account that i am inquiring about.

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 2019-09-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for roughly {$5100.00} into my checking account at Fifth Third Bank on the evening of XX/XX/19 via remote deposit. I have deposited a check into the same checking account from the same company roughly 6 times this year. The bank is telling me that they are going to freeze availability until XX/XX/19. They said they are doing this because they received information from the paying bank that they might not pay the {$5100.00}. 

And that is just a flat out lie. It's a 401k loan for God 's sake, 53rd continues to lie about this. I believe it's deceptive and flat out abusive. My mortgage is going to be late, resulting in a fee due to this freezing that 53rd has done. It will cause other financial hardships into next week. I will attach 53rd 's response, and you will see where they are telling me that they received information from the paying bank that the check might not be paid. I think the CFPB should demand that information from 53rd or release the funds and also reimburse my account for undue hardship, say {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I 've been telling XXXX that these medical things on my report were on my Bankruptcy. I thought they investigated to check accuracy, apperatly not. XXXX/. XXXX XXXX XXXX is like I said.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Bread Financial Holdings, Inc.
State: GA
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 a loan with XXXX XXXX  &. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX & with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX -XX/XX/XXXX andXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this debt showed up on my credit and I have no idea about it. my. mother had the same collection on hers for XXXX and I had it for 50. this company seem to jus randomly place a collection on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13
Company: EQUIFAX, INC.
State: FL
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:
submitted a dispute describing multiply violation on credit report but yet still XXXX claim to certify that the account is reporting accurate. How can a report be accurate when on a chargeoff account its still reporting late payments months after the account as been closed, also showing a past due amount and a usage amount, these are major violations, a charge off is a closed account and should not be reporting a past due and monthly late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Paypal Holdings, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX sent me a debt collection notice for their client PayPal. I do not have a PayPal account, never did, and never buy anything that would offer an option of PayPal. The amount is {$110.00}. There is no date of transaction or description of item purchased. This is the first notice I have of this " debt '', having never received a phone call or bill from PayPal. It went directly to a debt collector. " If I act before XX/XX/2020, they will accept {$88.00}. '' I tried calling PayPal, but they have no phone customer service " because of the corona virus ''. I went to their website, but can not get past the first screen which asks for the member 's account No. and password. I have no account number. That is the problem. When I XXXX XXXX debt collection company I saw similar complaints about this debt collector and PayPal. The address of XXXX is XXXX XXXX XXXX, XXXX, TX XXXX. PayPal was started by XXXX XXXX of course. I have reported this problem to U.S. Senator XXXX and state senator XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13
Company: Riverwalk Financial Corporation
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XX/XX/XXXX I was so racy by XXXX XXXX and was given a written agreement of repayment on my loan which I have done each month. I got a call in XX/XX/XXXX 6 month after I started my written agreement stating that they done give written agreements but j have one that was emailed to me from there company which I faxed and have fax confirmation for this on XX/XX/XXXX. XXXX XXXX the supervisor then called me after i called XXXX   and she did not return my call. I was told they needed to increase my monthly payment in keel rhe account inhouse?? No reason was given for this increase. XXXX XXXX had always been very helpful to me about this and I had made my payment in time each month. I was first told my a XXXX XXXX that's the minimum payment was XXXX  and not {$100.00} and they would take me to court due to I was not making full payment To keep out of litigation. XXXX XXXX   told me he did not know who this man was but he gave me a fax number to there office. I asked for a new written agreement showing the XXXX a month payment plan he wanted me to start he refused and would not give me a reason for having to break this written agreement that was made with ne and XXXX XXXX XXXX XXXX. I was not informed why they needed to increase my payment. U had a verbal sk called recorded agreement with XXXX XXXX and a written agreement was emailed to me from XXXX XXXX which I provided to him. XXXX XXXX  told me they do not do written agreements at this coompanh but I have one. I agreed to the increase I have not broken my agreement but i should be able to have a amended agreement which they will not provide me. She just told me last week I twas okay j could mail my payment in on the XXXX instead of the beginning of the month because I just had XXXX XXXX on XX/XX/XXXX. But now she womt return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: General Motors Financial Company, Inc.
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/18, I sent a certified letter to GM Financial asking them to validate and verify debt they are trying to collect on, with a copy of original signed contract. As of XX/XX/18, I have not received any validation from GM Financial, they have updated this account with credit bureaus as verified.

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 2018-06-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have had an HSBC account in the USA since XX/XX/XXXX and I opened it because I had an HSBC account in XXXX XXXX. I primarily opened it as a joint account with my son who was starting university there.

My daughter too now is studying in the USA and I frequently transact on that account to send her rent and university fees. My XXXX  TV and other paid apps are also connected to that account.

The last transaction I did on it was on the XX/XX/XXXX and now they seem to have abruptly closed my account with no explanation and I had upwards of {$18000.00} in it. Funds that I need access to to pay for my kids in the US.

I called everyday for the past week and I keep getting transferred to various call center customer service people who are not able to give me any definitive answers. The bank is HSBC USA and I am very very worried as have several payments to make for my daughter at university.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: WELLS FARGO & COMPANY
State: SC
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 am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation