BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-20
Company: PulteGroup, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made two payments on my loan XX/XX/XXXX with Pulte Mortgage. both payments were credited to my account XX/XX/2016. I was anticipating my XXXX IRS reporting form to include all payments made and credited to my account XX/XX/2016 but it did n't. Pulte only gave me credit for one payment telling me that it is against the law for them to give me credit for the 2nd payment XX/XX/2016 ( although it was credited to my account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted a dispute On XXXX XXXX, 2016 for some Tax liens that are reporting on my credit report. I asked for verification of these accounts since I have no knowledge of them. The accounts came back verified. I then wrote a letter ( notarized ) to the address and Court that Transunion credit report has on file. Well the Court " XXXX County Register of Deeds '' has finally responded to my letter and its 100 % clear they did not Verify anything with Transunion. Under the Fair Credit reporting act Everything on your credit report must be 100 % verifiable and accurate. I have attached copy of the credit report Public record section Where I ( Circled ) the Address and Docket number, also attached is the notarized letter I wrote to the XXXX County Register of Deeds and also attached is the response Letter from XXXX County Register of Deeds Office that they have no records of these Tax liens nor do they report anything with any credit reporting agencies. Which means these accounts were never VERIFIED.

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 2015-12-09
Company: CMRE Financial Services, Inc.
State: CA
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:
In late XXXX of 2015 I received a letter from CMRE Financial Services regarding a delinquent medical account that I was unaware of. In early XXXX 2015 I made a payment in full to CMRE to satisfy the delinquent account. One week later, without having received any warning, a delinquency was noted on my credit report by CMRE. I made a phone call to CMRE, the first time I have ever talked to anyone at that company about this account, where a woman stated that they had been trying to contact me since XXXX 2015 and that is why they put the delinquency on my credit report, even though it had been paid. 

Since no one from CMRE made any attempt to contact me, I was never informed of any possibility of a deragatory mark on my credit report, and the fact that this balance was paid prior to CMRE reporting the derogatory mark, not only is this unfair but it is a clear violation of the law and my rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Convergent Resources, Inc.
State: TX
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 received a notice from Convergent Outsourciong, Inc. over an over drafter account I had 9 years ago that was charged off by the bank, now they have listed an updated activity date on my credit report thais untrue. the debt is no longer collectable, and was written off by the bank almost a decade ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CMRE Finance. XXXX XXXX. {$290.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was told the {$730.00} debt would be deleted from my credit report and it still has not been removed completely just like what we agreed to over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Southern Fidelity Mortgage
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had tried to secure a mortgage loan from southern Fidelity Mortgage. I found a house that I liked and we proceeded with the loan approval process. I told them that my credit was n't very good and I told them I had collections. She told me they would either just deny the loan or ask me to pay the collections. Well later they told me the loan was approved but that I needed to pay off the collections. Well I told her I would have a tough time raising the down payment money and closing cost if they needed that paid off. Well they told me that if I backed out now I would lose my earnest money because the loan was approved. Not the original loan but the one they came up with all these conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2021 I sent a letter to the credit bureau 's to notify them that there are some inaccurate addresses on the credit bureau 's credit reports. This is well over 30 days ago and I am unsure why this fraudulent inaccurate information has not been removed from my credit report yet. This is also causing an issue because there are two companies stating that I owe money on accounts I have not opened. I sent the bureaus an identity theft affidavit, identification, and proof of address yet these inaccuracies continue to report. 

Please see the attached affidavit and letters sent to each of the credit bureau 's

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 2016-09-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
XXXX XXXX XXXX has been calling me since last year regarding an account I had with Synchrony Bank/ Care Credit XXXX I 'm trying to purchase a house next year and want to straighten my credit out so I decided to make an agreement. I originally agreed to make 3 payments of {$590.00} to settle the account. After the 2nd payment was made I did some research, called XXXX and told them to cease anymore withdrawals from my account. I called XXXX on XXXX XXXX and Paid {$30.00} to stop the payment just in case they tried to take my money. After doing some extensive research I found over XXXX complaints about this company and their bad practices. I called them up and they stated to me " Your account is closed and we will cease reporting ''. I then asked why would they not report that I paid them so that this will show the bureaus that I 've settled the account and he had no answer. I then called XXXX and they stated that I am listed in good standing with that old account, which does do n't show up as derogatory. They also told me that XXXX is n't even on my report. I then pulled all XXXX credit reports and XXXX is nowhere to be found, which means the 2 previous payments were not updated with the credit bureaus. They basically conned me out of {$1700.00} that I really could not afford. The last payment that I asked them not to take out caused my account to go into the negative. This company has been fined for over XXXX dollars due to their bad practices and taking advantage of people. I would like to get my money back if possible.

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 2017-01-04
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed bankruptcy XX/XX/XXXX listing XXXX as a creditor whom failed to show for the hearing. I also disputed this debt on my credit report with XXXX and it was removed only to now be relisted as of XX/XX/XXXX. This is a violation to myself and under the Consumer debt relief act under the Federal Law. I want this to be removed as I am asking in good faith that Convergent Outsourcing Inc . Attempting to deface my attempt to move on and get my credit back on track to keep from having to file a legal suit that they would place this back on my credit with a new debtors date for an old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There have been several inquires on my credit and I did not authorize them. They are also using addresses that do not belong to me. 

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX : XXXX XXXX XXXX XXXX , XXXX, il XXXX XXXX XXXX XXXX, XXXX, il XXXXphone number XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I regularly use PayPal services to pay for XXXX purchases. When you are checking out with PayPal to purchase the XXXX item, you are given choices of how to pay, such as credit card or from your bank account. For credit card, you have the choice of a credit card you previously had or, PayPal offers its own. PayPal makes its own card the default payment mechanism, which I resent and am well aware of. I never asked for a PayPal credit card. I have never wanted a PayPal credit card. I have never received a PayPal credit card. I have never activated a PayLap credit card. I have never used a PayPal credit card. In short, I have never wanted anything to do with PayPal credit cards. Yet, a few months ago I received a purported credit card bill from PayPal with alleged charges. I immediately called PayPal and informed them of the above and that the charges were fraudulent. I have continued to receive PayPal credit card bills, through Synchrony Bank, XXXX. XXXX XXXX, XXXX Florida XXXX. These bills have been adding steep interest and other fees on top of the original fraudulent charges. When I received the last bill, I called Synchrony bank and informed them the charges were fraudulent and the interest charges unjustified. I informed them I would not pay either. Yet, I continue to receive new bills. I am sure at some point they will turn the bill over to a bill collector and try to ruin my credit. Please begin an investigation into this matter and order PayPal and Synchrony bank to expunge all charges, delete forever a credit card I never asked for, and order them to agree not to pass on any information about this to either a bill collector or a credit rating agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 theft and I did not authorize the following inquiriey : XXXX XXXX  XXXX via XXXX XX/XX/

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 2016-03-11
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a homeowner 's warranty using my BarclayCard XXXX. When I attempted to make a claim against the warranty for a broken washing machine. After two weeks of phone calls and telephone calls to the company, XXXX XXXX XXXX has yet to repair or replace the covered appliance. As a result I submitted in writing a demand for the full refund of the purchase price for the warranty be credited back to the credit card I used to purchase the warranty. To date there has been nor response. I contacted BarclayCard and submitted a dispute for the full. I also faxed over the requested documentation the needed. After 11 phone calls to customer service, my account has yet to reflect the provisional credit amount which means BarclayCard is still charging me interest on that amount. When I call they refuse to allow me to speak directly with the person handling the dispute and have claimed that someone will call me within 48 hrs.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: PA
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 constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with fradulent accounts removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: Experian Information Solutions 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:
Ive sent dispute letter for items on my credit report XX/XX/XXXX. I still have not received investigation results. The debt that is trying to collect are not mine. I demand items to be removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
i closed a master card account, financed through rci barclay 's bank usa, on XXXX XXXX, XXXX the account was paid in full. i just received a billing this month for XXXX the reason i closed the account was spurious billings of this type. i just called the bank complaint number and received an unsatisfactory response. the phone call was ended pre-emptorialy without resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: SYNCHRONY FINANCIAL
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have the dicks sporting card through synchrony bank. They will call me 20 times a day to the point I had to have the phone company block the calls. Then they send emails so I called back to make arrangements. I received an email and letter stating I made arrangements for XXXX a month and I paid my first month. They contacted me again and said no not good enough and that they. Ca n't find any such information so supposed to have been doing an investigation. When I paid online it even said XXXX a month. So then they offered XXXX a month and I said we 'll the investigation is going on so can I wait a few days cause they told me to wait. I called a few days later and I was told still being investigation but now, y payments would be XXXX a month. Last 2 days I have been on the phone with them getting the run around because the lady I was making arrangements with put down in the notes that I had an attorney which I never said. I said I need to go to work so I 'll call back in the afternoon because I had already been on the phone. For over 30 mins. When I called back in the afternoon, I was told I can do the arrangement because the lady Said I wAs filing bankruptcy and had a lawyer which neither XXXX is true. I wars told also in order to make arrangements even though I got a letter stating after the XXXX of. XXXX, they are going to sue me, that I have to write a letter stating I wo n't get an attorney and that because my bill is due on the XXXX, that the new payment arrangement will be higher than what the lady stated yesterday morning. Same company asked me what medical reason did I have for Losing my job which made me fall behind and got mad when I said the Hippa laws. After this they directed me to the place I called in the first place who then redirected me to the collection, then collections directed me back to customer care who told me that without me writing this letter they ca n't talk to me. Or tell me about payment arrangements.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
These items do not belong to me and I am asking that they are removed from my credit 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 non-monetary relief
Consumer complaint received 2020-12-29
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I was contacted by XXXX at the mortgage lending department of nations lending company so I thought. He instructed me that because I was in a forbearance with my mortgage company that my taxes had not been paid in an order for my forbearance to not be discontinued I would need to pay the outstanding taxes of {$720.00}. I was then instructed to pay via prepaid American Express card. Because I can not pay all at once I was given the opportunity to pay in two payments one prepaid card was in the amount of {$300.00} the second was for the remaining balance done two weeks apart. After finally not receiving any confirmation or information I decided to call the lending company XXXX XXXX  for verification and more information about the situation. I was informed by nations lending that this had been fraudulent activity and they would not do something like this to request money from me. I reached out to the prepaid card company which was bluebird American Express and they would not give me information about the card because the card had been registered in another name. I was then given instructions that I should file a police report and allow the police to investigate. After reaching out to the authorities they explained that I could file a police report but not sure if the monies would be reclaimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
XXXX at XXXX I was woke up by a XXXX man claiming to be a Police Officer. He asked if I was XXXX. I told him yes. He then wanted to know if I knew a XXXX or XXXX. I told him I did not. He then said that XXXX or XXXX had my name in his address book and it was important ( leading me to believe the man may be hurt or dead ). I repeated that I did not know him. He then asked if I lived at XXXX? I told him that I did. He thanked me and hung up. I thought it was highly suspicious and as I do n't live in the nicest area of town became frightened he was maybe looking to break in. I then called the number back and call went to his voicemail. I left my name and number for him to please call me back. I waited and phone rang at XXXX XX/XX/XXXX. He had " XXXX dialed '' me by mistake. I listened as he another man had long unintelligible conversation for XXXX minutes when he must have figured out his phone was in use and hung up. At XXXX I tried the number again and got a different man that answered. I asked if he was a Police Officer, he told me " yes ''. I asked him his name and he said a name I could n't understand, I then asked him what city he worked for, and he became flustered and I finally just asked if he worked for XXXX County and he said yes. I asked his badge number and he rattled off several numbers that were said so fast I could n't write them down. I knew they were scamming me for some reason. I was very scared so I stayed up listening for any little thing. Around XXXX, I heard a noise at my front door. I crept to the door and looked through the peep hole and saw nothing. I sat back down and about XXXX minutes later heard a " rustling '' sound at the door. I crept back to the door and saw no one there. I then decided to open my door and look around. I then found papers from XXXX Assignee of Synchrony Bank / XXXX laying at my feet outside my door. The stack of papers had been taped to the door but the tape came away from the door because of the dust. On the top right corner of the papers are handwritten : posted XX/XX/2017, XXXX, and initialed XXXX. They were not there on XX/XX/2017 at XXXX. They were posted after the phone call from the so-called police. I am attaching my phone bill showing who called and from what number. There were two different men involved.

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 2017-02-05
Company: Diversified Consultants, Inc.
State: CA
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:
I discovered this derogatory mark on my credit report and never received a notice of right to dispute.

Company response to consumer: Closed with explanation