BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-17
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am in a Forebearance Program because Florida was declared a state of emergency due to Hurricane Irma XXXX/XXXX/XXXX. I applied for the Forebearance protection and was told that late payments would not be reported to the credit bureaus for the next three months starting XXXX. 

I was advised today that Citimortgage has reported me for late payment for XXXX and XXXX which has adversely affected my credit score by 120 points. I have also accrued a late fees of XXXX. 

I called today and was advised by XXXX a manager that they did not know when this would be resolved, it may take up to two billing cycles. I also e-mailed the CEO, 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 2022-01-05
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was a victim of an internet scam involving my credit cards. This took place for about a month from XXXX, 2019 to XXXX, 2019 I was told to buy XXXX gi! cards from XXXX and XXXX and they would pay of the balance to help me build my credit. They logged in to my accounts and added " their bank information '' and paid the balance on the card. I believe this was down 6 times across my amex, XXXX, and XXXX  credit cards. Now I have thousands of dollars of debt because the payments didn't process completely. This cause my accounts to almost triple the balance limit. The companies will be receiving this police report. I just found out I am able to file this report that's why the date is so far back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to 15 USC 1692 its a violation for XXXX agency to not have notified me in writing within 5 days. Only I can validate this debt and I DO NOT validate this debt. Per violation is {$1000.00} The agency stating a past due DATE is a violation 15 USC 1692d ( 2 ) The agency stating the amount due is a violation of 15 USC 1605a They also did not respond back to ANY OF MY LETTERS STATING THE SAME The agency is also in violation of 15 usc 1681 for INACCURATE CREDIT REPORTING

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: LEXISNEXIS
State: OH
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:
I have issues with some addresses on my credit report that I never lived at these addresses, it is possible that they belong to a family member or friend but never my physical address belonging to me. please delete the following 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 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 My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had fraudulent charges in my Bank of America debit card and BBnT business card and Bank of America credit card. Transaction was I believe XXXX from XXXX in XXXX Nc. I dont live in XXXX  nor did i go to XXXX XXXX XXXX done on XX/XX/2022. I got a phone call from BofA Wednesday morning saying they blocked my debit card for suspicious charge. They asked if I made transaction I said no. They said transaction was declined and blocked card and issued new card. Same transaction was done 4 time on business card I was an authorized signer in. My boss at the time filed a fraud claim with bbnt for those transactions. 

I didnt check my wallet because I was home XXXX XXXX XXXX and didnt need to purchase anything. On Thursday I went to my grocery store and realized I didnt have my debit card ( bc new one was being sent out ) realized I was missing my business card, debit card, and multiple gift cards. I took my CC and it was declined. I called BofA and they said I was over my limit because of a XXXX transaction. I told them that wasnt me.. it was fraud also tried in my debit card and it was done and approved on my business card that had a fraud claim with that financial institution. 

Bank of America denied claim saying it was done with my chip. I refilled claim saying it was fraudulent. They never communicated with me on the second claim. Its 5 months later they still denied claim saying it was done with PIN number and chip. No one has access to my information. I was not in XXXX Nc at XXXX. I did not order anything from XXXX online. I was home. And Bank of America refuses to file this as a fraudulent transaction. I work at XXXX XXXX and have filed claims for XXXX for the same amount as fraudulent transactions. Ive had neighbors who had had their car broken into and had the same fraudulent charge on their card. I fully believe someone broke into my car and I didnt know until days later. The point is I am not paying for a fraudulent transaction and Bank of America refuses to show empathy, acknowledge the situation, provide a resolution. Bank of America refuses to even take my complaint on their process and I need a resolution.

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 2020-10-07
Company: CITIBANK, N.A.
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2017-09-05
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: Account information incorrect

Complaint:
On XX/XX/XXXXvia my credit monitoring service I discovered XXXX XXXX Account # XXXX had been re-inserted into my credit file. Experian is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Per my report number XXXX it does not reflect the previously deleted account so why on earth would you re-insert this account without notifying me

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 2017-04-26
Company: EQUIFAX, INC.
State: CA
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 am sorry but I have already made a claim with your office but I have new documentation so I was told to redo my claim. On  XXXX   XXXX    XXXX   I disput ed 1 BK and 6 Tax Liens  on my Equifax. They remo ved 1 BK 5 Tax liens ( with c fpb 's help ) on  XXXX   XXXX . Equifax but back on the BK a few days later. Equifax also sent  me a letter ( att ached ) stating that I do not have a BK on  XXXX   XXXX . Then sent me another letter on the same d ate ( attac hed ) saying I do have a BK  and 1 tax lien. I have attached a letter from the County Clerk 's   office stating they do not report to credit bureaus yet my report states  XXXX   XXXX   XXXX  reported to them. This seems to be incorrect report p er the Federal Laws. I hav e attached proof of the information stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Experian Information Solutions Inc.
State: OH
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX  XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX 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 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 2017-09-05
Company: DISCOVER BANK
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Just received this email!  the password that they used is the same one I used ONLY to get into my discover accounts!!!!

On Wednesday, XXXX XXXX, 2017 XXXX XXXX, XXXX XXXX  wrote:
 
 
Hello XXXX XXXX,
 
You (or someone else) has just registered an account on XXXX XXXX XXXX. We are checking the validity of all email addresses to avoid that customers pay for services and finally don't get their confirmation emails with the access data.
 
Clicking on the link below will activate the account and you will be able to resume the signup process:
XXXX
 
username: XXXX
password: Using the pass word that I used to get onto their site to pay my bill!
 
--
Best Regards,
Customer Support team

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
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: Reporting company used your report improperly

Complaint:
I did not give TransUnion oral or written permission to furnish this information on my consumer report. This has caused undue stress upon me and as a XXXX, I have medical conditions that can be triggered by stress.

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 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
All three  Credit  agencies failed to respond appropriately to Attorney 's demand letter, ignoring the subject and disregarding the statute of the fair credit act.      XXXX  willfully disregarded the letter on 3 more occasions responding with generic letters attached herein.     In the process,  XXXX  sent 4 different credit reports on 4 occasions. It came to my attention that  XXXX  is willfully granting access to and business entity for no " permissible purpose ''.     The report  XXXX  sent me clearly cites credit inquiries totaling 13 that all state reason for inquiry as " Unspecified ''. I called   XXXX    and asked about this - they told me " Entities who have Certified to  XXXX  they have a " Permissible purpose '' can have my credit no need for anything in writing or for  XXXX  to verify my signature or consent.     Based on that premise, an entity upon making a request for my credit or any consumer credit can then certify - " No Specific Reason '' when asked why they want my credit. And according to  XXXX , no reason at all - this is " Permissible Purpose '' for  XXXX  to hand out my credit report and personal information on demand to anyone who pays them. On the occasion of my credit report  XXXX  mail to me,  XXXX  gave out my credit for " unspecified '' reasons on different  13  occasions.     None of these occasions supported or authorized by myself - the consumer. I would like to seek compensation for ever time   XXXX    has breached the act.

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 2017-09-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A couple years ago I was loosing my house I had a first and a second. I did a modification with a young man i cant remember his name. I was verbally told that the first would be modified and that the bank erased my second. I have not paid on the second for years, I 100 % thought that the second was erased because I have not received ANY paper or call or anything about that second ever since the modification. Well recently i got my self in trouble again and I was working with a Real estate agent, he told me we needed to do shortsale so I submitted my paperwork. After a few months XXXX came back and responded that they denied the shortsale because the property had equity and that the balance was XXXX Just like the modification had mentioned. So I decided to sell the house like a normal person would. Well when escrow was looking into the file they asked XXXX regarding the XXXX. XXXX took days and even couldnt find the loan. Finally they gave me payoff for the first and then gave me a payoff for the second. I could n't believe it, I have not heard a peep about the second at all and now XXXX comes out stating that they found the XXXX. I think its odd since the attached modification paperwork states my new loan balance and I was told by the lender that my second was wiped out. Evidence that they have not made contact in years regarding the second and it doesnt even show up in my credit report! Well I didnt know who to contact since XXXX sounds lost when i call them they couldnt even find the second on their system until days later or weeks in the case of the short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper/Nationstar purchased my mortgage from XXXX. The real estate taxes had already been paid. Mr. Cooper than paid the taxes a XXXX time causing my escrow to go negative. This was back in XXXX. Many calls have been made to rectify this situation. Every time I call they admit fault on their end but nothing is done. Now there is an XXXX analysis and due to a shortage my atment is schedule to go up {$500.00} a month. I feel like their phone reps just say whatever the need to to get me off the line!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : 2 Late Payment in XX/XX/2016!

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-01
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get ahold of LoanCare who services my mortgage for 3 days. I have tried emailing and calling multiple times - every time I have waited on hold for over an hour - elected a call back and have never received a call back. They recently charged me {$420.00} to schedule an appraisal for pmi removal on XX/XX/19 and they said an appraiser would be in contact within 1 week it is now XXXX and I have not heard back. They will not respond to emails or calls.

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 2022-02-17
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, last XXXX I started to receive call from " Renton Collection '' about a debt I have because of different XXXX XXXX I have received in the last 2 years. 

I paid every hospital bill, but they mention that I need to pay to the doctor network as well. 

I never received a bill for this and Renton Collection didn't send me a summary of this, I want to pay but need to validate where debt come from and why I didn't receive before, and now I need to lead with them instead of directly with the institution I received the service. 

Thanks

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Harvard Collections opened onXX/XX/2018 an entry to all three reporting agencies. I never recieved any correspondence requesting the validation of this debt. 
This is a violation of my consumer rights because I was unable to dispute this debt. 

http : XXXX My Identity was stolen. I did not know about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My car was broken into in XXXX, recently in XX/XX/XXXX after reviewing my credit report I noticed a car loan on my credit reports that is in default. That derogatory item does not belong to me so I have been trying to get it removed from my credit. I filed a police report, filed a complaint with the FTC and contacted the credit bureaus. All my efforts have been unsuccessful. The company the furnished the car loan has sent me several letters attempting to collect personal information from me that they should already have. I have been told not to provide personal information to third party agencies. In addition, the credit bureaus have assured me that they provided all the information that I sent them to the auto loan company, so I am confused as to why they are asking me for the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The credit agencies are reporting that I owe child support inwhich I do not on order to report such an issue one has to be summoned by the courts, however in my case the courts stated that I do not owe child support, so I'm asking that the credit agencies remove and block the issue 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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Transunion : I am writing to you to request that you remove the following unauthorized account from my credit report : Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) Account Number : XXXX Amount : {$3200.00} Attached is a copy of the FTC Report I submitted for these fraudulent accounts. I have also sent this report directly to the creditor disputing their reporting. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. 

My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/1991 Birth City : XXXX, Tennessee I look forward to receiving an updated copy of my credit report reflecting the above correction.

Thanking you in advance. 

Sincerely, 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