BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now

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 2022-07-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, 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:
I have contacted XXXX credit reporting agency to dispute three inquires that are fraud because i never request them. Two of them thru XXXX XXXX were done on same day XX/XX/2022. The other from XXXX on XX/XX/2022 they were never requested by me Fraud. I also have Three accounts XXXX  XXXX XXXX, XXXX, XXXX part of Identity fraud report from FTC was submitted to credit reporting agencies and accounts havenot been deleted .I was told XXXX can not dispute and i must get in contact with does companies directly and get a removal code. But when i call the say they don't see any application under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, 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:
Went to XXXX dealership to inquire about a vehicle, I authorized them to only do a hard pull once to see if I qualified to get a vehicle financed through the dealership only. The date of this was XX/XX/2021. I have already tried to reach out to the credit bureaus and they told me that they could not do anything because it was not illegal. 

Company name - XXXX XXXX XXXX address - XXXX XXXX XXXX, XXXX, NC XXXX Company contact - XXXX ) XXXX Inquiries that I did not authorize on my report are listed as Date : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/2021 XXXX XXXXXXXX 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

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX XXXXXXXX XXXX Account # XXXX has violated 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2015-06-03
Company: Arbor Residential Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern, In XX/XX/XXXX I refinanced my mortgage on my home for a better rate. This cost a good amount of money up front and I took a great deal of time in selecting the best option and company to purchase this new mortgage from. I eventually came to an agreement with XXXX and received a Good Faith Estimate and moved froward with a refinanced loan I was happy with, though expensive to acquire, it was with XXXX. Around XX/XX/XXXX I was informed my monthly payment was increasing by {$180.00} due to a shortage of escrow. My mortgage has escrow since my home is worth less than I paid for it. The problem with this increase is my taxes and insurance have only decreased over the years, not increased. So why should my monthly payments increase. Actually my taxes did go up, {$3.00} per year, my insurance went down around {$20.00} a year. I 'm thus disputing any changes and request my loan monthly payments to remain as is. 
Thank you, XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Affiliated Management Services
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX and Affiliated Management have continued collection activity despite not properly obtaining and mailing debt verification after a I've exercised my 1692g rights. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation requests from a consumer, to cease collection of debt until the collection agency obtains verification of debt and mails it to the consumer. They have also been advised they are in violation of the Notice of Proposed Procedures for Charitable Hospitals to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care Act. Furthermore, I have never signed a Hippa release form with the below alleged creditors. Therefore these are inaccurate Hippa violations and I want them deleted immediately. Hippa laws protect my personal medical information from being used without my personal consent and you are now aware of these Hippa violations delete immediately. Account Name Account Number Balance Monthly Payment AFFILIATED MANAGEMENT Reported : XXXX XXXX, XXXX {$430.00} Balance {$430.00} Highest Balance {$430.00} Opened XXXX XXXX, XXXX ( 3 yrs, 1 mo ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX Closed No Info Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by PURCHASE or ASSIGNMENT, and authorization under subtitle D of the ARRA, SEC, 13401. APPLICATIONOF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX ran a hard inquiry on our credit reports without our authorization. We never heard of this company before until we received alerts about activity on our credit reports. This is Fraud.

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 2022-03-16
Company: Experian Information Solutions Inc.
State: IN
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 has been sending mail to an address I have never lived at. The person who lives there I believe has the same last name as I do. They never notified me of a lawsuit, I just happened to find it searching my own name in state databases. I have petitioned the court to deny their request for a default judgement. The court denied their request for default judgement. They have not filed any further paperwork with the court to proceed with case. However, they continue to report this account to my credit report prematurely. The court has not order them any judgement and I dispute all paperwork associated with this account. They have not responded to my demands for validation of debt in XX/XX/2022 or XX/XX/2022. They have not responded to the credit reporting agency dispute dated XX/XX/2022. 
I have disputed this account with all credit reporting agencies with documentation from the court website showing the court shows XXXX balance 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 2021-08-26
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITYCB/MYPLACERWDS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: KEYCORP
State: NY
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made an extra lump sum payment on my student loan and the loan servicer ( My Great Lakes ) applied this payment incorrectly. After several phone calls to the servicer I was told that they take the excess payment and apply it to next months payment first, and the remainder is applied to principal. This information was never provided to me, nor can I locate this information published anywhere by the servicer. 

They have a " how payments are applied '' section on their website which states : " However, when it comes to excess payments you have more flexibility. We automatically apply excess to : 1. Accrued interest since your last payment. 
2. Principal of the loan with the highest interest rate. " On XXXX/XXXX/16, my automatic payment was drawn and applied as all automatic payments are. On XXXX/XXXX/16, I made an extra {$1000.00} lump sum payment which was specified to be 100 % applied to one specific loan token ( highest interest rate ). I expected that a small portion of this payment would be applied to 1. accrued interest since your last payment ( 4 days of interest ) and 2. the remainder would be applied to the principal of the loan with the highest interest rate. Instead, it was first applied to next months payment and the remainder applied to the principal of the loan with the highest interest rate. 

After speaking with customer service at Great Lakes, they agreed with me that the " how payments are applied '' section is confusing and lacks the full explanation of how payments are truly applied. 

This is very unfair to the consumer who is simply trying to get out from under their student loan debt. This servicer needs to clarify to the consumer how exactly payments are going to be applied and I hope that the Department of Education will assure that they fix this issue. I have had loans with XXXX ( formerly XXXX XXXX ) and XXXX and this has never been an issue. These other servicers made it very clear and easy how your payments were applied, and if you made an extra payment it was applied exactly as you expected. XXXX and XXXX get an A+ rating and My Great Lakes gets an F.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter stating that I owed {$2500.00} to XXXX a company that I have never done business with and offering a settlement amount of {$760.00}. Normally of collections letter they say something regarding disputing within a certain amount of time but this one does not say that. But it does say due to the age of the debt law prohibits me from being sued or from it appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There was a double charge on my credit card - The situation is as follows : I stayed at XXXX XXXX and they charged me XXXX at the restaurant. Except they charged to both my card on file with the hotel and this capital one credit card. I opened a case with Capital one ( XXXX ) and provided all the information requested including the receipts and clearly stated the issue. I then received a letter saying I did not provide the information requested and case is closed. I would like this to be re-reviewed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-16
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My XXXX year old daughter is getting phone calls daily during school hours threating her when she has answered the phone stating she is not the person they are trying to contact and messages left daily on her phone. They call her daily and continuously, I have called and asked them to take her off their call list on multiple occasions, left messages and to no avail. I do not believe my XXXX year old should be harassed when clearly she is NOT the person that owns this debt. Harassing a minor can not possible be condoned for the collection of a debt. Causing undue stress to a young XXXX girl should be considered bullying!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: CITIBANK, N.A.
State: AL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hotel reservation for {$700.00} made with my CITI Bank credit card on XX/XX/2020. Several days later cancelled the reservation in accordance with the hotel policy as my travel plans had changed. I initially filed a dispute on the charge with CITI as the hotel said they could not refund my credit card. I subsequently cancelled the dispute as the hotel promised instead to refund the money to a checking account. After a month it was evident they were not going to do this either, so I called CITI to reopen the dispute. CITI told me the dispute could not be reopened since it had been closed. I asked their dispute department to contact me and they have not done so. This dispute should be reopened and investigated by CITI 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 non-monetary relief
Consumer complaint received 2016-07-08
Company: RoundPoint Mortgage Servicing LLC
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced our home loan to an interest rate reduction refinance VA loan ( XXXX ) in XXXX, XXXX. Our loan was serviced by XXXX until XXXX of XXXX when it was sold to Roundpoint Mortgage. Our interest rate is adjustable after 5 years, fixed until then. We live in Arkansas where we are qualified for a {$350.00} homestead deduction in our real estate taxes after we have lived in the state for a year. We requested a new escrow analysis due to the break we received from Arkansas. While our insurance increased a little, we should have seen a drop in our payment as our interest rate is the same. Instead of that our payment was raised by over {$100.00} a month. I have called repeatedly since XXXX to get this problem solved. Not only did the servicing person figure the timing wrong for payment of our taxes, they used the figure which included our personal property tax for their analysis. I 've been assured that they will fix this problem several times, that it was sent to a supervisor, etc. Prior to the first of XXXX, when the new payment was to go into effect, I told them I was paying the old payment amount. My call today produced the news that my payment is hung up because it was short and that all the person could do was reopen the escrow analysis ( start over again ). I asked to speak to a supervisor and was on hold so long I asked that a message be given to a supervisor to call me back. I am including a copy of our tax statement which shows the homestead reduction, the due date for payment and the total with the personal property taxes included. We really would appreciate help with this. We are retired and an additional {$100.00} per month is a hardship for us, especially when it does n't make sense. 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 2020-03-10
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I've try to make payments on BestBuy.com to promotional balances. It never works to try to apply to a particular promotional balance. However, the website states that it automatically applies the payments to promotional balances. I got an interest charge in my XXXX Bill for the amount of {$1300.00} for an item I bought 2 years ago, which was 24 months no interest. I've been making payments on time and substantial amounts i'm not sure how they've been applying the payments to the promotional balances, and i'm surprised how much they didn't put into my promotional balances. Every time i try to emailing them through their website regarding this and press send the screen goes blank. I'm not sure they are getting my emails and it is frustrating. I work during their hours of operations email is the best options. I want a list of how all my years of payments for the past were applied to my my promotional balances.

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 2022-07-12
Company: Experian Information Solutions 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:
Department of Education XXXX XXXX : I am no longer connected with XXXX, for the loan has been transferred to XXXX XXXX XXXX. Also, I would like the Department of EducationXXXX removed from all my credit reports. It shows negative/Late payment, yet my student loans have been either in deferment and/or forbearance since acquired. 

Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2015-08-21
Company: RoundPoint Mortgage Servicing LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent my reduced property tax bill to Roundpoint Mortgage Servicing company via email. I called them a few days later to make sure they received the information, and to learn what my new payment would be. The young man on the phone could not give me that information, but told me they would run a new analysis in XXXX. I told him that was not acceptable, so he agree to run a new XXXX by XXXX XXXX. The company did so, but used the old property tax information rather than the new XXXX. My original summer tax bill was {$4200.00}. The new XXXX is {$2300.00}. My new payment shows an increase of {$35.00} per month, using the wrong property tax information. I have contacted Roundpoint again, but not heard from them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation