BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: Upgrade, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance to the Fair Credit Report Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 ( a ) Section 2 it also state a Consumer Reporting Agency can not furnish an account without my writing instructions under 15 USC 1666b a creditor may not treat a credit card account under and open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
This is the XXXX time I have written you about CitiGroup. I have a Best buy Card that I have closed. When I closed the account, they charged me for all of the interest that was went with the promotions on the items I bought. A few months ago, I wrote you to tell you that they had been charging me for a program I had never signed up for that was to protect me if I ever lost my job. Well, after they got your letter ( and after I informed them that I had lost my job ), they refunded me {$200.00} for the program that I had never signed up for. I paid a lot more than that for the program. But as soon as they found out I lost my job, then they were willing to back out. What a rip off. So now, I checked my card activity and they have charged me {$200.00} in XXXX for interest they say was from a promotion. I already paid that when I closed the card. I think I need a lawyer. I need help. I ca n't pay this off if they keep messing with me. Please, Please help me with this problem. If you ca n't do anything, then please refer me to a lawyer that will. 
Thank you. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Phoned Trans Union to unfreeze my credit for a temporary time. I attempted to do it online then called because their system didnt recognize my name and password. I also attempted to set up a new account. No dice. So I called the first agent couldnt find my account to help and hung up on me. The second agent sent a temporary password and link but that didnt work either saying it didnt recognize me. The third agent finally connected me with a supervisor who manually removed my freeze. When I asked him how to fix my account so if, God forbid, I needed to do this in the future, he didnt give me any specific help on how to do this. He spoke in an unintelligible manner. This experience took 4 people on 3 calls and multiple attempts to use the online system. 

In contrast XXXX and XXXX took one login and about 3 minutes each.

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 2015-08-12
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed these accounts. They are not charge off or wage earner plan accounts. They were filed in my bankruptcy XX/XX/2010 and listed in the mailing matrix that the US Bankruptcy court has on file. They are reporting Target # XXXX, # XXXX accounts as Charge-offs. XXXX XXXX # XXXX as a Wage Earner Plan. They are reporting false information and should be listed as included in bankruptcy. This has affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: Paypal Holdings, Inc
State: KY
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
Paypal credit opened a account in my name. I did not tell them to open the account. They told a company called XXXX sent them a bill and Paypal sent bill to me. Paypal is refusing to give info I need for police report. They keep sending me to other people. They will not take a fax from me with info they asked for. They will not take my info over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: Google Compare Credit Cards Inc.
State: MO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Lies, manipulation and refusal to escalate the situation to an authority figure who has the means to get the issues resolved. XXXX dollars was removed from my account with a promise of XXXX dollars being available on XX/XX/XXXX on my Google Wallet card. Google removed the entire XXXX dollars from my bank account on XX/XX/XXXX. Every time a call and plead for help, I get same scripted response. My holiday, my XXXX is ruined and I can not provide a proper XXXX meal to my family because of this. This is beyond painful, embarrassing and disheartening. I have been an advocate for Google, their products and services. They have not been an advocate for me. 

Typically, the transfer is instant. This time there was a delay that I was unaware of until I completed the transaction. I was given a date of XX/XX/XXXX. The morning of XX/XX/XXXX it was not available. I called and spoke with someone who claimed to be in management. No help given. Just lies about funds being released that day. I have emails and recorded calls to confirm. 

Google took money out my account and refused to credit my card for the transfer. With an inconsistent answer as to why, they credited me XXXX dollars for the inconvenience. That too was a slap in the face. 

The managers I spoke with told me that they do not report to anyone, which was insulting as I know there is a hierarchy of authority in all corporate settings. I will be without a XXXX meal for my family due to this. 

Something has to be done to right this wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
When closing on my home I learned there is a second lien from a modification back in XX/XX/XXXX through XXXX XXXX XXXX. My loan was sold to a new provider Bayview loans in XX/XX/XXXX. The 2nd lien was then assigned to Bayview from HUD. Bayview then sold my loan to XXXX XXXX. My credit report was listed as paid in full with Bayview loans and my understanding was the deferred loan was sold into my account to XXXX. Bayview did not disclose to me that they would still hold this loan.As I was closing on my home, the title agent pulled the second Loan which still belongs to Bayview. I pulled my credit which states paid in full but Bayview insists I own this loan. XXXX servicing my current lender is unaware of second loan as this was not disclosed to them. Due to this outstanding amount of over {$100000.00} I lost all equity in my home and unable to purchase a new home. Bayview will not compromise on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : 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 2015-03-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have been in contact with Equifax for the past 2 weeks in regards to accessing my credit report. My bank, as well as myself am unable to pull the Equifax file and I am also unable to access my personal credit report through my paid monitoring service. I was informed that it is due to too many soft inquiries and was informed " nothing could be done ''. This is completely unacceptable. I need these soft inquiries purged in order to be able to access my report. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax maintains that credit report from XXXX XXXX XXXX bank is mine, however, the credit card issued was unsolicited with no signed contract. Equifax was informed the credit card was unsolicited and the bank committed fraud. Equifax did not get a signed contract from XXXX XXXX XXXX bank supporting their claim that the credit card contract was mine. Equifax did not adequately investigate XXXX XXXX XXXX credit reporting. They simply took XXXX XXXX XXXX word of the credit report without any signed contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: The Regional Adjustment Bureau, Incorporated
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
The debt collection agency Regional Adjustment Bureau is trying to collect {$18000.00} for an old private student loan, even though the 4-year California Statute of Limitations on the original loan has expired. They call my cell phone, and the phones of my family members, constantly. Sometimes, they do n't even say anything when I pick up. When I do speak to any of their representatives, they are always rude and threaten to sue me or take me to court over the debt. They have also put my debt in collections, which affects my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XXXX/XXXX/2015, I submitted a complaint against XXXX XXXX XXXX ( Case # XXXX ). The case was opened due to an open case with the landlord. At this time I am in appeal process and no judgment has been filed on the case. There was a hearing on XXXX/XXXX/2015 but was reset for XXXX/XXXX/2015. Per court documentation a XXXX Oath was filed on XXXX/XXXX/2015. At this time I have not been evicted, and I am currently still in the rental property. I have submitted attachments of the Notice of Appeal, as well as both Order of Trial documents for both dates. Each document has been stamped by the XXXX XXXX XXXX XXXX. Until this case has been resolved in front of the judge, the landlord can not place this information on my credit report. Please refer to Case # XXXX for documentation submitted to Consumer Financial Protection Bureau. I have also mailed proof of documentation to each credit bureau, as well as disputed online. 
Each negative reporting of the judgment that has not been granted to the landlord must be removed accordingly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have repeatedly asked my mortgage company to report my perfect payment history since Ive had this loan XXXX XXXX  ) when it was transferred/boughten by this current company all reporting ceased. Ive never Missed a payment or been late. Im the primary on the loan, however my ex husband is getting all the perfect payments history reported on his report monthly, which is fine ( we are both on the loan ) however I should most certainly be getting the reports of perfect payments since Im The one making them and I own the home.

The last communication with mortgage lender was today and I did as they asked, pulled my 3 bureau report and they are nowhere on that report.

I Just keep getting the runaround with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX is my mortgage servicer, they approached me in early XXXX about a refinance option. 

I refinanced with them to help my family save money. 

In XXXX of XXXX, we put our house on the market. At this time, i am unable to sell my home becuase. 

1. They failed to record the mortgage closing in the correct jurisdiction and I am unable to close on my property as this is a requirement of selling the home. 

At the time of this message, I am in jeopardy of losing the sale of my home due to their inaccuracies and mistakes in the refinancing process.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am requesting the " method of verification '' under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). 
( a ) The name of the creditor ; ( b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute. 
For the City of XXXX XXXX Accounts # XXXX, # XXXX, # XXXX # XXXX each time I dispute theses accounts the company respond " Please contact credit grantor at XXXX and ignores the reason for my dispute. Theses accounts need to be deleted immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: National Credit Systems,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:
National credit systems was deleted off of my XXXX  and XXXX   but not XXXX. They just updated it. This is a false collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian is reporting a tax lien with incorrect information. I 've called and sent in requests for information to be removed with no help. They continue to report inaccurate information which has hurt my personal life moving forward. I have been denied credit and or rental requests due to this inaccurate information. They need to reveal the verification they 've done or remove asap.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I received a credit report from Experian and they are refusing to dispute fraudulent accounts that are on my credit report, which they refused to dispute XXXX and XXXX. These accounts have been on my credit report since 2007, though old accounts, they do not belong to me. They belong to XXXX XXXX. I have attached supporting documents in regards to why these creditors should be deleted immediately. They are not my accounts. They are reporting the same accounts as duplicates. I did not live at the address listed on XXXX or XXXX 's application. I have attached documentation to show my addresses almost 20 years. I was not aware of the debt until discovering on my credit reports.

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 2022-10-11
Company: SYNCHRONY FINANCIAL
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX is trying to collect a debt i don't owe. i have responded to them by mail and they still reported to my credit as a collection related to a synchrony 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 2016-06-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$5200.00}. I disputed the account with XXXX XXXX XXXX and all three credit bureaus. Neither the company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both the company and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all three credit bureaus to remove the incorrect information from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: NY
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:
TO WHOM IT MAY CONCERN, I DISPUTED TWO INQURIES AND A CHARGE OFF ON MY CREDIT REPORT WITH ALL THREE CREDIT BUREAU ON XX/XX/2020, XXXX REMOVED THE XXXX CHARGE OFF FROM MY REPORT WHILE XX/XX/XXXX AND EQUIFAX REFUSE TO CORRECT MY ACCOUNT MORE THAN 30 DAYS, TODAY MAKES IT 48DAYS SINCE I REQUESTED THE CORRECTION/DELETION ON MY CREDIT REPORT AND NOTHING HAS BEEN DONE TO RECTIFY THIS ISSUES.ACCORDING TO SECTION 609 ( a ) ( 1 ) ( A ) NO VERIFICATION WAS DONE BY XX/XX/XXXX AND EQUIFAX ON THE XXXX CHARGE OFF NOR THE OTHER TWO DEROGATORY REMARKS : 1. XXXX NOT MY ACCOUNT 2. XXXX XXXX {$1400.00} 3. XXXX XXXX XXXX I ALSO REQUESTED ALL ADDRESES THAT IS NOT MY ADDRESS TO BE REMOVED FROM MY REPORT AND NOTHING WAS DONE. 
PLEASE HELP ME I DONT KNOW WHAT TO DO ANY MORE I HAVE DONE ALL I COULD AT THIS POINT, AND THE BUREAUS ARE PLAYING GAMES WITH MY LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
TO WHOM IT MAY CONCERN, I DISPUTED TWO INQURIES AND A CHARGE OFF ON MY CREDIT REPORT WITH ALL THREE CREDIT BUREAU ON XX/XX/2020, TRANSUNION REMOVED THE XXXX CHARGE OFF FROM MY REPORT WHILE XXXX AND XXXX REFUSE TO CORRECT MY ACCOUNT MORE THAN 30 DAYS, TODAY MAKES IT 48DAYS SINCE I REQUESTED THE CORRECTION/DELETION ON MY CREDIT REPORT AND NOTHING HAS BEEN DONE TO RECTIFY THIS ISSUES.ACCORDING TO SECTION 609 ( a ) ( 1 ) ( A ) NO VERIFICATION WAS DONE BY XXXX AND XXXX ON THE SANTANDER CHARGE OFF NOR THE OTHER TWO DEROGATORY REMARKS : 1. XXXX NOT MY ACCOUNT 2. XXXX XXXX {$1400.00} 3. XXXX XXXX XXXX I ALSO REQUESTED ALL ADDRESES THAT IS NOT MY ADDRESS TO BE REMOVED FROM MY REPORT AND NOTHING WAS DONE. 
PLEASE HELP ME I DONT KNOW WHAT TO DO ANY MORE I HAVE DONE ALL I COULD AT THIS POINT, AND THE BUREAUS ARE PLAYING GAMES WITH MY LIFE.

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 2015-04-10
Company: FMS Inc.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This was my ex-wifes debt that has been investigated by XXXX, XXXX, and experian and proven as Not My Debt and removed from my credit reports. I have sent this company MANY letters showing my case results and they continue to send me settlement offers monthly that even acknowledge that it 's my ex wife s debt!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: CITIBANK, N.A.
State: KY
Product: Credit card
Issue: Other

Complaint:
I went to make a payment online and their website had been updated 2 weeks ago now I ca n't access and make my payment online. I called them and they said that since I closed the account a while back that now I ca n't get access to the account online and must mail or pay by phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation