BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-19
Company: EQUIFAX, INC.
State: UT
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/18, I reviewed my credit report, and noticed two inaccurate accounts.

1. XXXX ; this account is too old to remain on my credit report. 
2. XXXX XXXX ; This account is too old to remain on my credit report.

According to the fair credit reporting act, inactive accounts may not remain on a consumers credit report for more than seven years. Both of these accounts are older than seven years and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: CB1, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CBB a debt collection company has reported to all three credit reporting agencies that I owe and amount on a medical bill. The amount reported is wrong. The payments being reported is wrong. 

I sent CBB a letter on XXXX XXXX by certified mail asking about the mis-reported balance and that i had made that payment and paid that account off. I heard nothing back from this letter. I pulled my credit reports from all three credit reporting agencies and noticed that they did not mark in the comments that this account is being disputed as required by law. 

I sent a good will letter to them by certified mail asking that this misreported, inaccurate report be removed by them from all three credit reporting agencies or I was going to take further actions. CBB still has not responded to any of my inquires or letters to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a robo-dialed call about a " legal matter ''. I called back. The representative said my full social security number over the phone and would not tell me who she was until I confirmed who was calling and why. She refused and said " tell it to the judge '' and hung up. 

I called back several times and was hung up on several times. Eventually I spoke with " XXXX XXXX '' who was the person in charge. He threatened me with criminal fraud charges, asked about my XXXX, asked about my mother, told me he knows everything about me and that he had a picture of me. He then called my mother and put her on the phone. 

At no point did the company ever say their business name, who the attorney who represents them is, or what their mailing adress is.

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 2020-09-10
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In the process of applying for a mortgage, the lender significantly interrupted my employment through urgent requests stemming from their own internal failures. 

Three days before closing, the lender called and sent three emails and two text messages within a 90-minute period urgently requesting a signature on a document that they had the ability to prepare at least two weeks earlier.

The lenders closing disclosure provided three business days before closing had errors totaling over {$10000.00}. I notified them of the errors the same day, but they did not provide a corrected version until closing. 

After closing began, they sent a third request for employment verification. 13 minutes after receiving the request for employment verification, the lender indicated that they had contacted an individual at my employer who they found on a public website. The individual contacted is not responsible for employment verification, nor are they authorized to provide the information. Furthermore, the lender was aware of the procedure my employer used to verify employment but did not offer me the opportunity to complete that procedure. 

The XXXX XXXX apologized for the errors multiple times throughout the process, but the repeated failures suggest ongoing systematic problems in lending in a manner that respects applicants time and employment situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Neiman Marcus is partnered for a credit card with Cap 1.

For ALL cardholders ( even those is great standing ) that hadn't used their Neiman Marcus card for 2 years, Cap 1 automatically lowered the NM credit card limit to {$500.00}. 

There was no letter or communication sent to cardholders warning this would happen if they did not utilize the NM card. 
Neiman Marcus customer service told me 2 times on 2 calls they
could do nothing about this - it was done by Cap 1.

I called Cap 1 and they said it was NM that did it.

Bottom line - this hits our credit reports as a decrease in spending limit and thereby lowers our credit score - because now our overall debt to overall credit limit ratio looks worse. 

My overall unused credit limit reflected on my credit reports is now {$12000.00} less - that was a huge % decrease and negatively impacted my credit report score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: FIRST NATIONAL BANK OF OMAHA
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft and this account was opened without my knowledge.

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 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2020 - XX/XX/2020 {$0.00} The companies TransUnion, XXXX, and XXXX  have been reporting illegally and malicious complaints.

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 2020-07-09
Company: SYNCHRONY FINANCIAL
State: OH
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:
Beginning in XX/XX/2019 fraudulent purchases were made on a Paypal credit card in my name. The underwriting bank was Synchrony Bank -- I contacted them by phone to alert to fraud, they investigated and did not resolve. I submitted additional info by fax, I filed a police report, more phone calls, more investigations and still no resolution. I have since hired an attorney and sent Synchrony Bank a demand letter stating that 100 % of these charges are fraudulent and still no resolution. The current outstanding balance on this account is approximately {$11000.00} at this point, including late fees and interest charges.

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 2021-09-01
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have written several times to these credit card companies since XXXX  in that these charges are fraudulent and that I did not authorize while I was not allowed in my home. IE. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. These cards where at a XXXX  balance and numerous times I have written and even call the card company on the disputed charges that are now on my Credit Report. 

Also, I have informed the Credit Bureau of Identity Theft of my information that I have submit to the FTC and the Local Police and now I am receiving threats of inappropriate conduct of collection agencies calling me names and even insulted me by calling me using inappropriate language. The federal Fair Debt Collection Practices Act ( FDCPA ) was enacted to curb these annoying and abusive behaviors, but some debt collectors flout the law. Being threaten that I committed Fraud and that I will be arrested ; this is a violation of this Act. LVNV Funding LLC and XXXX XXXX XXXX are both companies that have called me an threaten me with arrest due to fraud and used inappropriate language towards me. In that they were informed by the Illinois XXXX XXXX that their conduct is a violation of this Act. In that I also filed a complaint against them to the FTC for this action. 
Numerous times, I have file with the Credit Bureau and with XXXX XXXX, that the Veterans Affairs is responsible for this bill and that the VA had paid the company and still being harassed in a Debt that was the Veteran Affairs Responsibility. In accordance with the Act, this is not to be on my credit report and that its still there after 5 years of frighten with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

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 2019-01-09
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I'm a XXXX that was abroad as and internship ; this card app did not accepted my payments from abroad and there was no way possible to apply payments or contact them from the country I was ; also as the balance went into red, they disable the app and i just couldn't get any more info about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/XXXX I was reviewing my credit report and noticed that XXXX had taken off good information on my credit report That resulted in taking my credit score down XXXX points. I called customer support and they told me that there was nothing they could do about it. well the next day they put everything back on my report and damaged it even more. My rights have been violated so heavily at this point I was denied credit for the emergency relief for COVID -19 and also caused me to have a XXXX XXXX I worked very hard to establish credit and I am very faithful at paying my bills on time.The other bureaus Equifax and XXXX are XXXX pts more than XXXX and they have all the correct information on them. XXXX has put accounts on my report that were taken off years ago and have them on there as open account and they are closed. This has caused me so much stress and havic. It is erroneous information that they have tried ro clean up due to my complaint with the better business bureau. They have really caused a big problem. I want my report corrected and the score that I deserve. The account put back as they should be and the information taken off that should be off. This is really time consuming, and costly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: SLM CORPORATION
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I called and asked if there was any way to come up with an affordable payment option and their reply was " We don't offer payment plans or consolidation ''. They said they can't help me. This is unacceptable because my monthly payment is going to be around {$800.00} a month. That's more than my rent and car payment combined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/XXXX I was reviewing my credit report and noticed that Experian had taken off good information on my credit report That resulted in taking my credit score down XXXX points. I called customer support and they told me that there was nothing they could do about it. well the next day they put everything back on my report and damaged it even more. My rights have been violated so heavily at this point I was denied credit for the emergency relief for COVID -19 and also caused me to have a XXXX XXXX I worked very hard to establish credit and I am very faithful at paying my bills on time.The other bureaus XXXX and XXXX  are XXXX pts more than Experian and they have all the correct information on them. Experian has put accounts on my report that were taken off years ago and have them on there as open account and they are closed. This has caused me so much stress and havic. It is erroneous information that they have tried ro clean up due to my complaint with the XXXX XXXX XXXX  They have really caused a big problem. I want my report corrected and the score that I deserve. The account put back as they should be and the information taken off that should be off. This is really time consuming, and costly.

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 2022-10-06
Company: Experian Information Solutions Inc.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. section 2,3 5 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than record of comradiarmac which 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also the inaccurate information on my names and addresses Ive disputed to no avail. Multiple hours spent calling all XXXX agencies and nothing. Disgrace to Me as a Human and The Consumer Laws that Protect Me. 

Accounts : XXXX $ XXXX XXXX $ XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX hard inquiry XXXX XXXXXXXX XXXX  XXXX Hardy inquiry XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX All Hard and Soft Inquiries Must Go as I have No Written Permission Period All My Right Were Vilated Under Laws 15 USC 1681 Section 6060029

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 2018-07-26
Company: EOS Holdings, Inc.
State: MD
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:
Repeated phone calls with no message. Calls to my extended family members trying to get personal information about me or leave messages for me. Would not identify their company past an acronym. I asked them to send information to the address they have on file for me, rather than confirm it on the phone and they began yelling at me that they would not until I confirmed my address and that they could tell me what it was about once I gave them more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a continuation of a complaint that I filed with this company on XX/XX/2020 with the complain ID : XXXX. This issue had not been resolved to my satisfaction. I received an answer via email from a gentleman named XXXX with ID : XXXX on XX/XX/2020. In such email it states that and I quote : pursuant to the terms of the original promissory note and deed of trust, copies of which are enclosed for your reference, SLS is unable to apply a payment that is less than the total amount due. End quote. 
Oddly enough, copies of both ( the deed of trust and the promissory note WERE NOT attached so I could see on paper for myself if this is indeed true. I request to please provide me with those copies as they should have been attached to begin with. The only enclosures I received was the payment history and payment transaction codes. I still request an adjustment to be made on my late payment history so I do not show delinquent more than 31 days for XX/XX/2020 to potentially get a better rate on a refi! 
XXXX XXXX XXXX This is in regards of my mortgage acct : XXXX with SLS XXXX XXXX. XXXX XXXX, XXXX XXXX, Co. 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 2020-07-09
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX Amerisave Mortgage called us in regards to a VA IRRRL Streamline Mortgage Refinance loan. After they told us we could get a 2.75 % interest rate for the streamline loan we started the refi process. We then provided all documents which were uploaded into their system as requested. Then things went downhill. We waited 3 weeks and then reached out to our loan officer by email and voice mail but no response. Then after 45 days an underwriter called us and left voicemails but when we called back all we got was the underwriter voicemail. The underwriter never sent us an email so we could not respond via email. Then we had several online chat sessions and made a complaint that we were being ignored. The today, over two months later we received a NOREPLY email from Amerisave Mortage saying they could no longer process our refi. We DID NOT start this process, they did. They sent us a mortgage rate lock document and asked for many documents that we provided. Our credit score dropped because of this because they ran a hard inquiry. So all this effort on our part and now a lower credit score and have nothing to show for it, except that Amerisave Mortgage should be disqualified from doing VA loans. We are a XXXX XXXX XXXX veteran who does not need this total disrespect and unprofessionalism from any Mortgage Company. The Veterans Administration needs to Vet the mortgage companies that offer VA loans. When we purchased our home the other mortgage company was professional and timely. We logged into our account today XXXX and ALL documents we unloaded into their system have been deleted. So they are trying to hid the fact we provided many, many documents as requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
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:
XXXX XXXX  XXXX XXXX continues to mark my credit report as 30 days late even though my online records show the on time payment was definitely made from my XXXX checking account. I don't deserve this mark on my report and even though I've explained this to them as well as file a dispute with all of the major credit agencies, they refused to remove the incorrect information and continued to apply penalty late fees.

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