BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit report on XX/XX/XXXX XXXX and discovered there was two collections in my report from Portfolio Recovery Associates, LLC and two hard inquiry 's. On XX/XX/XXXX XXXX I sent a letter to Portfolio Recovery Associates, LLC which they received on XX/XX/2019. The letter will be on file. I asked Portfolio Recovery Associates, LLC for the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming their company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting. Every charge, every  payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. I received a letter from Portfolio Recovery Associates, LLC, but they did not give me what I asked for.They did not show me any proof that I owe this monies, but a letter stating my name, account numbers, and a balance. I am forwarding all my letters for you to see and Portfolio Recovery Associates, LLC to see just in case they claim they didn't receive my letters. I have already filed a complaint on Portfolio Recovery Associates, LLC with CFPB .The complaint number is XXXX which Portfolio Recovery Associates XXXX LLC resolved account number ending in XXXX by saying that they are removing it, but did not resolve the hard inquiry 's and account number ending in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29
Company: DISCOVER BANK
State: MI
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:
Every year I pay an additional amount on my two student loans to Discover Student Loans and every time they mishandle it and I have to resolve the problem myself each time. Most recently I attempted to pay off my loan on XX/XX/XXXX and payment was posted and processed and the over {$8000.00} payment I posted and recieved confirmation was then changed to the minimum charge which was just over {$100.00}. They now are attempting to continue to charge interest on the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I opened a Wells Fargo business XXXX XXXX with an attached offer of spend XXXX get XXXX back. 
On XX/XX/XXXX I made a purchase of XXXX on said credit card. 
On XX/XX/XXXX I did not receive the bonus offer of XXXX cash back. 
On XXXX I called and after being transferred around for over an hour and being told that I did not receive the bonus because it was not attached to my account, I did not make eligible purchases, and I was not enrolled in the correct reward program which they set up for me. They told me there was nothing they could do even though it was their fault for having two reward programs neither of which the user has the ability to pick from.

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 2020-08-28
Company: Granite Edvance Corporation
State: MA
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:
How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2020 for 90 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Experian Information Solutions Inc.
State: MI
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:
am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.

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 2019-11-15
Company: ALLIANT CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have had an account open with Alliant Credit Union since XXXX of XXXX ( over 12 years ). In XXXX of XXXX, they closed my checking account without any prior notice. 

After 3 calls with customer support ( 3 days in a row ), they refuse to tell me why the account was closed, citing that they thought that I had used the account for business purposes hence violating the terms of service, but only a person in the responsible department can answer the exact reason. This was strictly my personal checking account, never used for business purposes, but they refused to tell my the reason they thought I violated the terms. 

Every time that I called in, they stated that the department in charge of shutting down my account was " busy '' and would call me back. I never received a call back and all of my external accounts are not getting paid now ( mortgage payments, credit card payments, etc ). 

They claimed that a letter was sent to me months ago warning that the account would be closed, but it was never received. I check every letter from the banks, and definitely did not receive a letter about this from Alliant. Also no phone calls, emails, texts. No communication that my account would be closed so it was a big surprise to me, and now I am left frantically working to open a new account with a different bank to transfer funds to make my scheduled payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: CITIBANK, N.A.
State: VA
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:
Macy 's is lying. They say that I did not receive mail notifying me about my late payments because the wrong address was on file. While it is true that my current living address has changed my old living address was being forwarded to my parents house in the interim. They only received one mail and that was simply to notify me that my account had been closed due to late payments. That was on XXXX. I never received mail in XXXX, XXXX nor XXXX ever at all from them. They are flat out lying. I was under the impression that I paid this account in their store after failing to get a hold of a phone agent after she hung up on me after an hour long hold. Not once was I ever notified nor did Macy 's make any effort to notify me of any late payments.

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 2021-02-21
Company: EQUIFAX, INC.
State: WA
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 filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and i have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Sentry Recovery and Collections, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i have tryed to let this company know the company is called SENTRY RECOVERY there address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX that i was not responsible for this account they keep adding money to this and put it on my credit file as a collection on all my credit reports there is no proof of this account that i ever have done business with them i have tried to dispute the information with the credit bureau, s and have gotten nowhere the amount keeps getting higher it started off with {$2700.00} now its at {$2800.00} i do not have a account number and there is not one on my credit reports or files my name is XXXXXXXX XXXX  XXXX my ssi number is XXXX my phone number is XXXX my address is XXXX XXXX XXXX XXXX ohio 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 2022-02-28
Company: Advantage Credit, Inc.
State: AZ
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:
I never authorized this company to pull my credit. I called them to have them remove this, but they have no record of this. They sent me to the company they used to pull credit. They wanted me to provide them with lots of personal information before they could investigate. The problem with this is that I never provided my personal information to begin with. Why would I provide it now? They would then be able to say yes, we did get the information from him. They refused to act on my request. 

This inquiry is damaging to my personal credit. It's preventing me from obtaining normal rates. This entry is placing me in a higher risk category. 

I'm strongly requesting that it be removed immediately from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Convergent Resources, 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:
I was victim of Identity Theft 3 times in the last 7 years. I have 3 separate police reports related to all of the items. There were mortgages, credit cards, loan, collections, tax liens and bankruptcies that were filed done without my personal. I have sent letters to all creditors as well as to local government to obtain original copies of all documentation. I will be sending the credit bureaus all of my supporting documentation and police reports. Please please removed and permanently delete these items from my credit report. This has RUINED my life for 7 years and I am desperately trying to get this resolved asap. This has stop me from getting apartments, jobs and everything. I need immediate help to once and for all resolve all of these issues. Please permanently remove all these items from my credit report immediately.

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 2020-01-26
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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The dispute is a American Express credit card payment Account Number Ending : XXXX back in XX/XX/2017. Originally the account number ended XXXX. 1 mistake i made is looking at the bill pay, it shows only XXXX as the full account number. I don't know if it is short for security or if i actually made a mistake and did not type the full number when i made the payment. 
As i said before, I sent a payment to AMEX but they did not apply the {$3000.00} payment to my account. I have been calling but can not find anyone who is willing to find why my payment was not applied. 
I have attached my Proof of Payment from XXXX, and all of my statements showing the electronic payment was completed and never kicked back so AMEX has the money somewhere but will not apply it to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: SC
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:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've contacted the source for the credit agency XXXX XXXX to dispute bankruptcy case numbers XXXX and XXXX they have conducted an investigation and deleted the information. They informed me that that the reporting agency could see that it's been removed from the reporting source. The reporting agencies, XXXX, XXXX and TranUnion continues to report that XXXX XXXX is reporting the information is correct and remains the same. I've submitted the report from XXXX XXXX and they still refuse to correct the information or show proof of anything different from XXXX XXXX or the Courts.

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 2018-02-12
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I am trying to use a product called XXXX to analyze my budget and spending habits, but XXXX XXXX does not allow this app to access the 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 2019-10-29
Company: CITIBANK, N.A.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My Reports A mess and there credit companies say I owe them but I dont

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 2019-05-31
Company: BB&T CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Since purchasing this vehicle and securing the loan through Regional Acceptance Corporation, I have had some medical problems which caused my Mom to make the payments. She has been doing so but fell behind. Representatives have called my Mom 's phone number up to 5 times a day and most times, my Mom will talk to them. I wrote a letter and signed it on XX/XX/2019 requesting that my Mom be placed on the account. She was told that the letter was not accepted because they had to talk to me personally. That is not possible. Today my Mom attempted to make a payment and they would not accepted it. I don't think it is fair that they would not accept my letter because they are well aware of my medical problems. They call my Mom up to 5 times a day ( even on XXXX XXXX ) but won't talk to her about possible solutions to correct the deficiency. Yet they accepted payments from her without any questions. Please help! 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 2020-07-03
Company: Better Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinancing loan with better.com by beginning of XX/XX/2020. They advertised that they will beat the rate sheet or loan estimate from a competitor by {$1000.00} or pay {$1000.00} if they are not able beat it. I was able to provide some quotes and they refused to accept it saying it was not an estimate. When I finally was able to provide one they just about matched ( in fact it was little bit over ) but did not honor the {$1000.00} price match guarantee. When I questioned they refused to honor it and also changed the offer to {$100.00} on their website. This is false advertisement. It is a bait and switch tactics and scandalous practice. Better.com should either pay me {$1000.00} or beat the estimate by {$1000.00}. Please kindly look into this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received written notice from Freedom Mortgage Corporation on XX/XX/19 that servicing of my loan from J.G. Wentworth Home Lending, LLC was transferred to Freedom Mortgage effective XX/XX/19. Their notice indicated I needed to make all payments after XX/XX/19 to Freedom Mortgage, but they did not send me notice until XX/XX/19! I already made my current payment to JG Wentworth for XX/XX/2019. I have tried calling Freedom Mortgage, but their wait times are 25-30 minutes. I tried emailing through their online system, but their system limits characters so that only a brief sentence can be sent! Freedom Mortgage has gone out of its way to make themselves inaccessible to customers. Freedom Mortgage needs to get the XX/XX/XXXX payment from JG Wentworth since I paid them on time and neither Freedom Mortgage nor JG Wentworth gave me reasonable notice. ( Actually, JG Wentworth has yet to send me any kind of notice. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent dispute letters on XX/XX/2020 & XX/XX/2020. I have received any results on my investigation from either dates. I am highly upset because this is affecting my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: SUNTRUST BANKS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Suntrust Mortgage is incorrectly reporting information for Account XXXX in my name, XXXX XXXX This account relates to a mortgage that I cosigned for in XX/XX/XXXX for my mother XXXX XXXX This was a second loan ( approximately {$10000.00} originally ) on a property and was original purchase money and located in XXXX, AZ. In the fall of XX/XX/XXXX this loan went into default and the property was foreclosed on in XX/XX/XXXX. At that point in time per Arizona ant-deficiency law, we were no longer liable for any deficient amounts left after the foreclosure sale. Suntrust has continued to report misinformation. Currently, this account shows a charge off on XX/XX/XXXX that is negatively affecting my credit. This mark and anything after XX/XX/XXXX should be removed as I was not liable for any amounts after XX/XX/XXXX ( and therefore not liable to receive additional negative credit ). After multiple attempts at contacting XXXX and Suntrust Mortgage and hours of hold times with Suntrust, I have not been able to resolve this on my own. Suntrust Mortgage has also hung up on me twice over the years trying to resolve this.

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 2019-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX is reporting on a that debt I do not owe. This debt is really old and past statute in TX. I do not owe this debt and it needs to be removed off of my credit file.

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