BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I do not give your company permission to publish unverified information on my credit file. I am asking your company to legally verify the accuracy of these disputed items and not to just parrot what the information provider tells you. By publishing these unverified items on my credit report you are in violation of the FCRA and by distributing my credit report to 3rd parties you are damaging my reputation and credit worthiness.

If you do not have any documentation in your files that verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). You have not verified the accuracy of these accounts. At best, you have only parroted what the information the provider told you. The law is clear, that a credit reporting agency that does not comply with the verification requirement of 1681i if it simply parrots the information providers electronic response.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please remove these accounts you didn't verify Under FCRA LAW : I DO NOT CONSENT TO E-OSCAR OR METRO 2 COMPLIANCE VERIFICATION XXXX XXXX XXXX XXXX XXXX point mtg 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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was alerted today by my credit monitoring service, XXXX that Ocwen reported my XXXX 2015 payment as XXXX days past due. The payment was made on XXXX/XXXX/2015 within my XXXX day grace period therefore it was not late. The payment was made via Ocwen 's automated phone service. The payment confirmation number is XXXX, amount {$8900.00}. I called Ocwen this morning and spoke with a XXXX, agent ID number XXXX. I explained my situation and she confirmed that the payment was made on time and she did n't know why Ocwen reported it XXXX days delinquent. I told her I wanted it correct immediately. She replied that it would take XXXX days to get the issue sent to their research department. I told her this was not sufficient as I am in the process of applying for a loan. I asked for a case person who I can follow up with as well as a case number and she said there was n't either. As you know, Ocwen has been the subject of over XXXX of regulatory fines and nearly lost their mortgage license in my state of California for these as well as other illegal practices. This erroneous report made my FICO score decline by XXXX points.

Company response to consumer: Closed
Consumer complaint received 2015-07-28
Company: SYNCHRONY FINANCIAL
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Opened a {$12000.00} Care Credit account with GE Capital Retail Bank on XX/XX/2015 for XXXX at the XXXX XXXX XXXX XXXX, which I though was interest free. I had auto-payment withdrawals from my checking account for 2-years. Last couple months I noticed my bank statements went way up, so I contacted Synchrony Bank XX/XX/2015, finally was transferred to a Manager, XXXX, ID # XXXX, and was told that my 24-month promotional period expired XX/XX/2015, and I was charged accured interest of 26.99 % of {$6200.00} on top of my principal balance of {$5400.00}, and my account is now {$11000.00} at interest rate of 26.99 %. After a long heated discussion, I offered to pay the principal immediately, but they offered no help, no options.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-01
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I filed my taxes on XX/XX/XXXX, thinking I had all my papers in order. I felt the time limit for all papers, that showed taxable income was supposed to be sent to the consumer was by the end of XX/XX/XXXX 
I received a XXXX, from PayPal { XXXX } XXXX XXXX, XXXX. 
XXXX XXXX royal XXXX, XXXX. XXXX stating {$1200.00} of discharged debt. 
I feel this is unfair to send me this form at the XX/XX/XXXX of XX/XX/2017. as I now owe the IRS, an addendum to my taxes. 
This notice should have been sent to me a lot earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Late fee

Complaint:
Synchrony bank division handling XXXX accounts has repeatedly delayed processing payments and then charged late fees. I believe this is a practice several costumers are facing and it is fraudulent. 
In XX/XX/2014 payments were scheduled through our online banking system to be made prior to the scheduled due date to Synchrongy. We have used our bank 's online payment system for years. We have never had a problem with scheduling our payments to be sent from our bank to another bank, even with our bank sending the payment via US Mail. Nevertheless, Synchrony was processing the payments in an extended time frame in comparison to other creditors. Late fees began. After calling Synchrony and having late fees refunded, upon their recommendation, I adjusted the payment date to an earlier date through my online banking to ensure timely processing. After XXXX months, the delayed processing by Synchrony and late fees have begun again. If I had not been watching for this behavior, I might not have known to do so. Certainly, there are others who are unaware of Synchrony 's fraudulent tactics to make money in late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: SC
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:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Paypal Holdings, Inc
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I specialize in XXXX, XXXX, XXXX etc. I have a few clients that pay with electronics which in turn I sell as I get them on ebay. I have quite a few that came in over the holiday and Paypal decided to lock my account without warning. They stated that it was a high risk account and it was linked to another account that they have not released to me. I have reached out to them as of Sunday XX/XX/2017 @ XXXX with no resolved. My money is being withheld for 180 days. I attempted to reason with them and I got nothing. The call ended with a supervisor by the name of XXXX ( male ). He advised that I write a letter to their corporate office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Capital One Financial Corporation violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am a veteran XXXX starting on XX/XX/XXXX. In XX/XX/XXXX, I terminated a lease early with XXXX XXXX under their military clause due to XXXX to move. I did not receive any notice indicating I was owed money. XXXX years later starting on XX/XX/XXXX, I began receiving a call from XXXX. I answered and spoke with someone who did not reveal their name on XX/XX/XXXX. He claimed I owed utilities from when I terminated the lease through the original end of the lease. He was rude and aggressive claiming that they waited as long as they did due to the Sailor and Soldier Relief Act. I said there was nothing in my lease indicating I would be responsible for utilities AFTER I moved out. He refused to send me any documentation proving debt and demanded my personal information, like current address. I did not give him any personel information and hung up on him when he started threating lawsuits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX Experian XXXX XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX THIS IS NOT MY ADRESS XXXX - REPORTED XX/XX/XXXX THIS IS NOT MY ADRESS ADDRESS : XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX PLEASE UPDATE MY ADRESS TO XXXX I BEEN LIVING THERE SINCE XX/XX/XXXX The itemslisted areclearly fraudulent ; therefore, I am requesting that they are deleted /blockedby name of source. In addition, A CRA must block the fraudulent informationand the victim must be identified within four business days after accepting his/her IdentityTheft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c- 2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blockingfraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/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 2021-07-29
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My new mortgage servicer Shellpoint Mortgage Servicing requires additional insurance coverage which wasn't required at the time of the original loan. When they initially requested proof of insurance, I sent them exactly same hoa master policy that i had submitted for loan approval. Shellpont said they'll reverse premium charged on my escrow acct ( now~ {$1800.00} ) and to wait for notification in the mail. Didn't receive any notification. Only learned today they charged for additional insurance H06, which wasn't required at the time of original loan, at an exhorbitant price, like 10x market rate. How could they change the terms of the original loan?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: URS Holding, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After calling, setting up a payment plan, and paying the balance off over the length of XXXX years this company called and requested additional fund be paid immediately or legal action would be taken. The owner of this account it XXXX and has XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I have an AMEX Platinum Card, which had a promotion for opening the card and using {$3000.00}. The promotion was XXXX AMEX Membership Rewards points. 

I got the card, used it and spent the {$3000.00}, and the promotional points are listed on my account. 

Now I try to use the points with an AMEX airline partner, and they halt the transfer stating that my points are " under review ''. 

Initially, they told me that the review can take 6-8 weeks, so I should try again after 8 weeks. I tried again and again, each time they gave me new timeframes, but now it 's almost 12 weeks and they still say it is under review. I called them today and now they are saying that they can not know how long that 'll take since it depends on in their " corporate office '', and the complaint they opened about it with the corporate office was closed with no explanation or answer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: Transaction issue

Complaint:
I have recently come to the conclusion that I have been victimized by the work from home online business scam. Since the beginning of this year, I have been contacted by unsolicited telemarketing phone calls by companies offering profitable at home online business.It has been a mess. After I signed up with the first company it has been non stop, companies calling me and offering me online related services. I did not make any money. I have allowed more than enough time to pass so they could refund me. I have come to the realization that they took advantage of me. Also they never provided me any services. The charges that I would like help to dispute on my Discover card are : {$5000.00} XX/XX/2016 XXXX {$2000.00} XX/XX/2016 XXXX {$2400.00} XX/XX/2016 XXXX {$1700.00} XX/XX/2016 XXXX XXXX {$1200.00} XX/XX/2016 XXXX {$5100.00} XX/XX/2016 XXXX {$1900.00} XX/XX/2016 XXXX XXXX XXXX XXXX {$360.00} XX/XX/2016 XXXX XXXX XXXX XXXX {$360.00} XX/XX/2016 XXXX XXXX XXXX XXXX {$16.00} XX/XX/2016 XXXX XXXX XXXX XXXX {$1700.00} XX/XX/2016 XXXX {$3000.00} XX/XX/2016 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-30
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XXXX, 2014 I entered a written dispute with XXXX reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ASSET ACCEPTANCE LLC was attempting to collect a debt for which I had no knowledge and alleged was fraudulently opened by an unknown XXXX party. Moreover, said account was appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. 

ASSET ACCEPTANCE LLC failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ASSET ACCEPTANCE LLC an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ASSET ACCEPTANCE LLC failed to report said debt as disputed and failed to conduct an investigation into my allegations of fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ASSET ACCEPTANCE LLC is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to ASSET ACCEPTANCE LLC have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I, XXXX XXXX, the consumer, rights have been violated per Fair Credit Reporting Act by Experian, the accounts were claimed to be investigated, verified or accurate but yet showed inaccuracies. According to the Fair Credit Reporting Act 607 ( b ) this accounts were not accurate. To be in compliance with the Fair Credit Reporting Act 611 ( a ) ( 4 ) and 611 ( a ) ( 5 ), Experian has been provided with relevant information ( photographic evidence ) on XX/XX/2022, that these accounts are inaccurate and shall be promptly deleted. This is a clear violation of the Fair Credit Reporting Act. DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Tired of having to keep disputing inaccurate information after 40 days. A computer generated system response is not acceptable I have contacted creditors & bureaus trying to solve this issue. & Im not waiting no longer you keep letting these people go against the law. I see the problem is not going to be solve until I get a lawyer. 

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 2021-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX someone impersonating Bank of America called me regarding fraudulent activity on my account and had me transfer over {$2000.00} via XXXX to protect my remaining funds. Person stated funds would be returned to my account the following day. Funds have not been returned. Contacted Bank of America fraud department and they opened a claim. Claim number is XXXX Because this was a scam and not technically fraud, I may not even receive my money back.

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 2021-07-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I wrote the three credit bureaus, XXXX, Equifax and XXXX  on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Service Finance Holdings, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Service Finance is reporting this debt as an open acct on my credit bureaus but the acct was charged off in XXXX. This company is also still charging interest on a charged off acct and also reporting this account as a mortgage account when it's actually a home improvement loan. I have called and talked to XXXX XXXX in XXXX, XXXX and I also in XXXX and my last attempt to settle this debt was in XX/XX/XXXX and also XX/XX/XXXX. I offered to settle the account for 50 % of the debt. This company is continuously reporting on the account and charging more interest which I know is illegal to keep charging interest on a charged off debt. I have notified XXXX, XXXX XXXX and XXXX about the inaccurate information and the company claims this is accurate information. This company should get penalize for trying to deliberately destroying a person 's credit.The original contract was 60 months but they're reporting I'm 69 months delinquent. Every month still reporting

Company response to consumer: Closed with non-monetary relief