BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-02
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity thief I have been trying to correct my credit reports due to multiple fraudulent hard inquiries, and unemployment in different states I still have hard inquiries on my reports that are not from my consent or 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 non-monetary relief
Consumer complaint received 2022-01-02
Company: Experian Information Solutions 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:
XXXXXXXX XXXX reported I was late/missed payment for XX/XX/2021 when the account has been paid in full and closed.

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 2020-06-11
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am trying to link my personal checking account to XXXX  to invest and you are not letting me..please let me let my account link to XXXX  XXXX  XXXX invest with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing this letter in because I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, and I saw another debt reported by I C SYSTEM from XXXX XXXX in the amount of {$1200.00}. Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation with my signature proving that I owe this debt ; and ( 4 ) A copy of your license to practice debt collection in my state. I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. 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 2015-05-18
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen has replied to our request to fix our mortgage account. They still claim we owe them money and are going to start foreclosure. Again, we have never been late or missed a payment, but they still claim we have. How do we stop this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Westlake Services, LLC
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Sold me a lemon vehicle and my kids were exposed to harsh environments told me nothing I could do about it then put me in another vehicle and again the vehicle transmission went out repairs were more than worth of vehicle they repoed the vehicle and resold it on another car lot and still say I owe the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: SecurityNational Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a pre-approval with Security National Mortgage Company and was told that I was approved, but the mortgage broker did not want to give a set amount so that I would not go too the higher end of the approved amount. I picked a home, put an earnest deposit and followed all instructions. 3 months in and no closing has been done, I 've been told I can not get my deposit or inspection money back and am now being told that in order to be approved, I have to sell my current residence. I never received a pre-approval letter from the lender or broker and now the selling agent has informed me that the pre-approval letter he received was forged and not valid. The mortgage broker I was working with was offered to do a mock sale, " XXXX XXXX '' sale in his words, in order to pre-approve me and at XXXX point asked for my daughter 's social security number to make it seem as if we were selling the house to her. He would avoid my calls and eventually I was told he no longer worked for the company. I called the bank yesterday to file a complaint and was told I had the wrong number. I clarified who I was calling for and my reasoning, then was told that an investigation was going to be done and that I would receive a call back. Within 5-10 minutes of hanging up, I received a call back from the original broker, XXXX, asking why I had filed a report and that the money should be returned by the seller. He said he would call the seller 's agent and hung up. I then contacted the seller 's agent, XXXX, and he verified that he has not ( yesterday nor today ) received a call from Security National or from XXXX in regards to this situation. I 'm losing out on money because this company did not do their job correctly and did not provide due diligence either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Within the last week collection account appeared on my credit report. I have not or did not receive due process under the fair credit reporting act or fair debit collection act. i was not aware that this collection company had this account. Another company had it before them. It 's not fair that company buy debit from other companies then the new company immediately report to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
I am enrolled in Barclaycard hardship program for account ending in XXXX, a XXXX set up payment plan which includes a payment due on XXXX in the amount of XXXX, which has posted and processed. Payments in the amount of XXXX are due on and scheduled for the XXXX of the month. However, the payment amount due is XXXX on XXXX and a late fee was charged on XXXX in the amount of XXXX. Under terms of the program interest rate is supposed to be adjust as well as late fees waived. It appears this was not done.

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 monetary relief
Consumer complaint received 2022-01-02
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
i call them and ask to stop calling me and the agent i talked to said oh you want me to stop calling you i said yes im having problems when i get my check i will pay and they keep calling i should not have to ask them more then once

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-28
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a consumer car loan from Santander Consumer of XXXX for about twoyears. I paid off this loan recently, overpaying by XXXX payments, XXXX x XXXX = XXXX. 
Only after I stopped payment from the bank, did Santander inform me. ( Odd that they were very quick to tell me when I was one day late, by not two months paying when I didXXXX not need to! ). Instead of simply crediting my account they sent me a DEBIT CARD. I went to the bank they told me to go to, XXXX, but XXXX told me they could not help me, because XXXX I had to call. I called XXXX times, and finally on the last call I got through to someone who told me that they were just a service company, and NOT Santander. They said I had the wrong card number, and that I had to call the company, Santander, and ask them for a paper check. The problem now is that the SAME number is for both the service company and for Santander! Catch XXXX. I consider their scam is to get me to sign up for a credit or debit card ( now in my hands -- a debit VISA ) that I do not want, never asked for. HELP! Since when are companies sending overpayments back by issuing credit or debit cards? All they had to do was send me a check or credit my account. This is a scam. Please stop it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I started having issues with the mortgage company, Shellpoint, in XX/XX/2021, my mortgage had been in forbearance due to covid. An extension of the forbearance was given in XX/XX/2021 through my contact agent for my mortgage, during this time my agent had offered for me to do a loan modification with Shellpoint before my extension would end by XXXX. My agent never told me I had to pay any certain amount or that my mortgage was late. When the papers for the loan modification were sent out, I chose not to go through with the modification because I wanted to refinance with another mortgage lender, signing those papers would have been a hindrance to me refinancing and I expressed this to my contact agent, he then told me that I would have until XX/XX/2021 to make a full payment of XXXX before they would have to report my mortgage account as past due. I chose to make the full payment amount to bring my account current around XX/XX/2021 and this was suppose to bring my account current before the extension period ended. In XX/XX/2021, after I brought my account current, XXXX reported to the credit bureaus that my mortgage account was past due from XX/XX/2021, which is untrue because I had gotten an extension from my contact agent in XXXX of 2021, plus I was still making payments while in forbearance but Shellpoint was holding these payments and not applying them to my account. When I contacted Shellpoint about these credit reports, my original contact agent all of sudden became unavailable and I have not spoken with him since the loan modification inquiry, instead I spoke with another agent who did not know why Shellpoint was reporting my loan late because it was paid up and in good standing and this particular agent said she would sent a note to their reporting department about my issue. Shellpoint in XX/XX/2021 yet again began reporting the account as current and then reporting the account as late in multiple reports, ruining my credit, and I have reason to believe they are doing this in an attempt to ruin my credit so that I am not able to refinance, my score went from XXXX to XXXX because of their false reporting, and leave them to go to another lender. None of these negative reports started until I expressed to my original contact agent that I was not going to sign a loan modification and that I wanted to refinance with another lender outside of Shellpoint. In XX/XX/2021, I had spoken with a supervisor at Shellpoint who advised me to make this complaint with the consumer financial protection bureau and with Shellpoint 's own complaint department. When I spoke to this same supervisor, she also told me that other people were calling about the same issue, so this seems like a practice that they frequently do to people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXXXXXX XXXX Date of Inquiry : XX/XX/2020 XXXX XXXX XXXX Date of Inquiry : XXXX/XXXX/202 EQUIFAX : XXXX XXXX Date of Inquiry : XX/XX/2020 XXXX Date of Inquiry : XX/XX/2020 XXXX : XXXX XXXX Date of Inquiry : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
GE Capital called XXXX times between XXXX/XXXX/15 and XXXX/XXXX/15 about my Sam 's club credit card. My hours were cut at work from XXXX to XXXX per week so my XX/XX/XXXX payment I could only pay them {$100.00} instead of {$180.00}. The XXXX times they called they wanted the other {$83.00} even though I told them my hours had been cut and this was all I could afford. They conyinued to call stating they were tacking on late fees until I finally blocked the calls on my phone. I believe this is harassment. I 'm sorry I ever got an account with them. I have n't used the card in over 3 years and all it does is go up. When I reached the limit I stopped using it and all they did wa tack on more fees and a high interest rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-02
Company: CAINE & WEINER COMPANY, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear CAINE WEINER In regards to the accounts from Progressive, it has been brought to my attention that you claim that I owe {$650.00}. While I accept no responsibility for ownership of this debt, Im willing to compromise and offer a full payment settlement amount in exchange for your agreement to the following : Your agreement to the full and complete deletion of any past-due references pertaining to this account from all credit bureaus to which you report. 
Your agreement that this payment constitutes a paid in full account, and not a paid collection or settled account. 
Your agreement that you will not attempt to sell or reassign the rights to this account to another third-party debt collection agency after payment has been received. 

While Im well aware that your purpose is to collect debts that you have obtained from original creditors, I am also aware that you are under no obligation to report any of these accounts to the credit bureaus.

That being said, your full cooperation in deleting this account in exchange for payment is appreciated.

When I receive signed documentation from your authorized representative on company letterhead stating that you agree to the terms above, I agree to pay {$650.00} via certified funds either over the phone via debit/credit or e-check, cashiers check or money order. If money order or cashiers check is chosen as the option, the payment will be sent to you via priority mail as soon as I receive the signed agreement. 

Please be aware, that this is not a renewed promise to pay. I make no claim of responsibility for this debt, and I make no statement that I believe that this debt is valid or owed by me. 

In the event that you do not agree with the resolution terms I have offered above, I will move forward with my rights to request a full and complete verification and validation of this debt. 

I am also requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and a copy of your license to practice debt collection in my state. Additionally, I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. 

I look forward to a timely resolution of this matter. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: NJ
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 XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Delinquent account

Complaint:
I made a payment early XXXX via the Walmart Credit Card portal, powered by synchrony bank. I received a confirmation and it appeared that the payment went through. Later that month I received a late notice and called. I was advised that I did not make a payment. I then made XXXX payments XXXX for XXXX and XXXX for XXXX On XX/XX/XXXX I wnet to the website and had to update my password, it makes me do this every time. I then made my payment for XXXX and received a confirmation. I checked my account and the payment did not come out of my account. I called the call center and was advised that they have been having difficulties with the website but this is the second time this has happed and one of which I was advised that I would be credit reported and later I was advised that I would not be. I do n't feel comfortable making a payment online and I do n't know if I have been credit reported or not.

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 2022-01-02
Company: LEXISNEXIS
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX United States XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX Clerk of court XXXX XXXX Please provide required and requested information that has been asked of you on the last 7 dispute. I have provided you with address and phone number of whom you need to contact. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello PayPal closed my account for no reason. I have done nothing wrong and have tried countless tones to talk with paypal about this issue. Ive received no help only copy paste responses. I have funds on my account that they are withholding without any good cause. As I again have done nothing wrong. The email associated with my paypal account is XXXX. My name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
FCRA Violations ; Not mine, Names and addresses : 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 XXXX XXXX XXXX XXXX XXXXXXXX Not mine ; Hard inquiries : XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXXXXXX on 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 non-monetary relief
Consumer complaint received 2022-01-02
Company: Remex, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Well i workeon the road as a XXXX XXXX XXXX for XXXX XXXX XXXX XXXX for many years and my X girlfriend XXXX XXXX was playing with Police Officers behind my back for years and apparently taking credit and getting loans in my name using my information stooe my email etc... When i started finding out the officers XXXX me into XXXX XXXX like 4 times then had XXXX XXXX my X of 17years lived and had kids together start fights and then call when they were on duty she would say that i hit her and then they would lock me up and then live in my house while on duty and im in jail and stole money, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did this and now that im rebuilding my life and finally a free man i see all this negative XXXX  on my credit report and im hatd working and responsible. Please help me fix my Credit History and get me in good standing. Please im XXXX XXXX XXXX XXXX. XXXX  XXXX.

Company response to consumer: Closed with explanation