BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-21
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received an email with my online statement from a credit card I have not used in 3 years. I called the credit card company, described the situation, and they miscoded the claim so it was not put in as a fraudulent charge. I have received statements every month, and have called every month to verify that the charges were being looked into as fraud, and each month I have been told that they were incorrectly coded, they were fixing the issue that day, and I should n't worry about statements as the investigation was continuing and could take up to 60 days. Over the last week, I was receiving calls from a collection department because I was n't making the payment toward the fraudulent charge! I went through the process again yesterday, and called back today just to see if the person I had talked to yesterday had changed my account, and the man I spoke to today still had to make changes to the account. I ended up having to ASK him to listen to my past 5 or 6 calls with the company and get this fixed so I would not be in collections for THEIR mistake!

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 2021-04-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I tried to purchase an XXXX XXXX XXXX today through XXXX the only way to purchase now is through a loan with citizens one. That alone is unfair to consumers, however in my case it was stared on the XXXX website that the loan application would not go through unless there was stock available. My loan application was approved and the website advised I had 10 minutes reserved to checkout. I went straight to the checkout and when I selected the confirm order the website advised the item was out of stock. I have received a confirmation from citizens one that the loan was opened. The loan never should have been opened given the disclosures. I have contacted citizens one and spoke to 3 individuals in the care center including one supervisor and none of them could provide me the address to dispute credit reporting information directly with their bank. They could only escalate my case and offer a callback in 3-4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
My sophomore year of XXXX, I received a private loan from Navient then known as XXXX. The loan was for XXXX. It is now worth over 43,000. When the recession occurred I was unable to go back to school. I was out of school for almost two and a half years. The second year I was out of school I received a call detailing my delinquency. I was young and naive but I grew up that moment. I had no clue that XXXX had been trying to collect payments. They never called and sent one mail that I received before they sent me to collections. I called and they agreed to put me on forebarence because I was ineligible for income-driven repayment though I was making minimum wage in XXXX which was XXXX. I began paying them monthly around 250.00, with escalating cost each month and no decreasing balance. In XXXX I received an email from my school offering an opportunity to go back to school. I immediately accepted and returned in XXXX XXXX making a payment for XXXX because XXXX said I was n't eligible to receive deferment for XXXX. I graduated on XX/XX/XXXX.I started a job in XXXX XXXX and began repaying them before I was accepted into a XXXX program at XXXX university XXXX I then entered in school deferment because I was n't working full time with the company that provided enough income to substain the payments but I was working two jobs. In XXXX XXXX I was accepted into the XXXX school of XXXX, of which I still attend. I have no income except for my federal refund that goes toward living expenses such as rent and food. I was contacted by Navient and told I would have to pay them. They offered no resolution saying that I have no other options and that they would send me to collections again. I am currently being educated for a field in which repaying them would be a foregone conclusion yet I 'm restricted because of inadequate private loan laws and unreasonable contracts companies like Navient offer low-income students because we have no other source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: PR
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:
Equifax still reporting an account that is fraudulently open and I reported and send the report to Equifax the account name is XXXX XXXX # XXXX. All the disputes I make they don't send me the evidence of they making an independent investigation and they don't accept my report, violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I pay my bill every month on time and Ive seen a balance of {$410.00} and my utilization went up to XXXX XXXX and my balance increase {$2.00} which I never had a late payment on this card or anything to drop my score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account 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 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 explanation
Consumer complaint received 2018-01-11
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I Called XXXX XXXX today X/XX/2017 in regards to an account balance showing my my credit reports, there was no account listed in their system for me. The reporting address for the alleged debt is 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 2015-04-25
Company: Credit Union Mortgage Association, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage for a rental property. Prior to denial they never asked for nor received any verification documents. When I protested not the denial, but the way they had arrived at the decision, they changed loan officers. I then provided tax returns and bank statements as verification of income. I was once again denied. I never received any official documentation as to the application, nor did I receive a denial letter, containing the reasons for denial. I believe I was also supposed to receive something containing my credit score. I have no documentation to upload in support of this complaint because I was never provided with any. I do have emails to and from the company. That 's it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
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: Information belongs to someone else

Complaint:
THIS NOT A DUPLICATE COMPLAINT. 

I am XXXX XXXX XXXX and I am writing this complaint myself. There is no third party involved. 

This is a final DEMAND TO COMPLY after multiple previous attempts to resolve this matter. For committing identity theft, violation and deprivation of my privacy, for causing me defamation of character and for impermissible purposes, I am demanding remedy in the amount of {$3000.00} pursuant to 15 USC 1681n and 15 USC 1681o. I have mailed Experian a DEMAND TO COMPLY letter via certified mail, tracking # XXXX XXXX XXXX XXXX XXXX, along with a copy of my SSN card and my state ID for identity verification purposes. Experian received this DEMAND TO COMPLY on XX/XX/XXXX. I have attached a copy of said letter. 

After accessing a copy of my consumer credit report from Experian and noticing fraudulent accounts and information being reported without permissible purpose pursuant to 15 USC 1681b, I mailed Experian a written dispute on XX/XX/XXXX in regards to the fraudulent information via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX. It was received on XX/XX/XXXX. 

Since then, Experian failed to respond to my dispute pursuant to 15 USC 1681i-Procedure in case of disputed accuracy. When called to ask about a follow up 30 days later, agents stated that there was no dispute on record. Since then they have added additional fraudulent information in the form of XXXX collection accounts. Experian willfully and negligently handled my dispute reporting fraudulent and unverified information and failed to follow up with me via written mail with any update or resolution. Experians violations of 15 USC 1681 and 18 USC 1028A have deprived me of my right to privacy, caused me defamation of character, pain & suffering as well as monetary struggle and marital instability while being a victim of identity theft as defined by 12 CFR 1022.3 ; Identity theft is a fraud committed or attempted using the identifying information of another person without authority. 

Experian is liable to me, the natural person and consumer for {$1000.00} per fraudulent item of information pursuant to 15 USC 1681n and actual damages pursuant to 15 USC 1681o. I have been denied for extensions of consumer credit based on the report furnished by Experian which has put my family through extreme hardship this past year. I am demanding the deletion of XXXX closed charged off accounts, XXXX inquiries and XXXX collection accounts immediately and remedy in the non negotiable amount of {$3000.00}. Actual damages amount to a higher amount, {$3000.00} is my settlement offer. Details of deletion demands can be found in the attached Demand to Comply letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Caliber Home Loans has persisted in concealing an agreement they made with XXXX when they sold the loan to Caliber in XXXX 2014. The agreement was for Caliber to address errors in our account committed by XXXX. Caliber has also continued to make mistakes when attempting to address our concerns. They are outlined in the documents attached but include : failure to appoint a Single Point of Contact for over 5 months after assuming servicing of the loan, the SPOC ( XXXX XXXX ) refused to complete research on our account to address errors, Caliber continues to remove an unsubstantiated claim of {$3500.00} of deferred interest applied to our account by XXXX, and most egregious Caliber sent us letters with the addresses and account numbers for XXXX different homeowners. Additional information is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
I filed a false collections report vs the credit collecyor for synchrony bank, as I had never had any debt besides my student loans until XXXX, when I got my first credit card and a car loan. Not only did this trash company commit fraud by filing the claim in the first place, their initial filing was for XXXX, and they changed the date to XXXX, without legal right. For a debt Ive never owed, and have never, and will never pay. I did not EVER do business with this company, and you can bet I never will. In XXXX of this year, i disputed and asked for proof. They not only doubled down on the claim, but i have yet to recieve any proof I owe them anything. BECAUSE IT DOESNT EXIST!!! I DID NOT HAVE ANY DEBT OUTSIDE OF STUDENT LOANS AT THE TIME THEY MADE THE INITIAL CLAIM! THEN, TO COVER THEIR TRACKS, THEY CHANGED THEIR START DATE TO A LATER TIME!!! How can they get away with this?!?

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 2021-08-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made the payment in XXXX. It was removed off my credit report. Now 5-8 months later I'm getting a call that I owe money when I already paid. They are saying they have no record of payment when they even took off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I sent out a letter requesting validation of the account I discovered on my credit report. XXXX, XXXX, AND TRANSUNION have failed to respond in a timely manner to my dispute letter and it has been well over 30days since my initial letter. XXXX XXXX XXXX has also failed to send sufficient documentation, specifically the contract, note or other instrument bearing my signature. The following account is inaccurate and should be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX UNVERIFIED It is to my understanding that XXXX, Transunion XXXX and XXXX XXXX in violation of the FCRA for failing to respond to complaints regarding inaccuracies on my credit report. All three agencies have failed to complete an investigation into the accounts in question within the 30 days allotted as per the Fair Credit Reporting Agency Section 611 ( a ) ( 1 ) ( A ). Failure to respond satisfactorily within the 30 days of receipt of the letter mailed ( which I will attach ) may result in a small claims action against all 3 credit bureaus. According to various articles, these companies have been in violation of not responding to consumer complaints. The latest article I have read dates back to this XXXX XX/XX/2022. XXXX most often promised to open investigations of their disputes and send their findings to consumers at later dates. However, it failed to share the outcomes of its investigations with the CFPB. TransUnion made similar promises and also often failed to meet its obligations to share investigation outcomes with the CFPB. In addition, TransUnion often failed to provide a response in instances where it believed that third parties submitted the complaints, even though the CFPB says that consumers can authorize third-party representatives to submit complaints on their behalf. XXXX often took no action in instances where it believed that a third party submitted the complaint, although it did provide substantive responses to other complaints. All three bureaus relied heavily on automated templates to respond to complaints instead of providing a meaningful, personalized response to the consumer. That's despite having up to 60 calendar days to reply. According to the CFPB complaint database, there are more than XXXX complaints between the 3 credit bureaus within the last year regarding problems with 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 non-monetary relief
Consumer complaint received 2017-03-27
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
National Credit Adjusters called and stated that I owed XXXX debts and that they had been mailing letters to me, but the letters were mailed to an address that I have not lived at for 20 years. I ask them to mail the information to me but the refused and stated it will be going to court instead, I informed them of the wrong address and to mail them to the correct address again the rude lady stated she could not and that I needed to pay them now or they will send the information to court. She tried to give me information but was stuttering and rambling and again demanded immediate payment on the debt and still refused to mail the information. The lady was very rude and mean, it also appeared that she was not even ready, she kept rambling off my old address and my driver license number, I thought I heard her say something about arrest warrant, my never stated any solid facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: RoundPoint Mortgage Servicing LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a application to  Round Point mortgage  requesting a Deed in lieu. I do not want to keep the house because I can not afford it. I have attended workshops for struggling home owners like myself and have learned that the best option would be to do a Deed i n Lieu. I have faxed Round Point all the requested documents to be reviewed for a Deed in lieu however ; now Round point is re questing a listing agreement. I asked them why since I am not planning to put it up for sale because I do not have time to do all of that. I have asked a Round Point Agent to be provided a Deed in lieu as soon as possible because I have a very ill father and I need to travel out of town to see him. I do not have a time frame on as to when I will come back to  the USA. I want to finish the Deed in Lieu process before I travel out because I do not want to keep the house. I rather return it to Round Point and walk away. Please help me I am scared that my father might pass before I get to see him. I honestly feel Round Point intentions are to prolong my case so my home can finally foreclosed instead of them offering a Deed in lieu. I am still willing to work directly with Round Point so we can have th is issue resolved as soon as 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 2016-03-07
Company: Statebridge Company
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had a loan that was being serviced by Statebridge, Inc. 
The initial loan amount was {$100000.00}. The monthly interest on the loan was approximately {$250.00}. Each month I sent a check for {$400.00}. 

Per the terms of the loan, the extra funds should have been applied to the principal, however it appears that the extra funds were NOT applied to the principal. 

I recently paid off the remaining balance of the loan. The payoff amount should have been approximately in the mid $ XXXX range. However, the mortgage company stated that the payoff amount was {$91000.00}. It appears that since the servicing company did not correctly apply my funds to the principal, I was overcharged several thousand dollars to payoff the loan. 

Additionally, on two occasions Statebridge erroneously reported that my account was delinquent to all three credit bureaus : XXXX, XXXX and XXXX. This severely damaged my previously high credit rating by dropping it approximately XXXX points. This, in turn, impacted my ability to refinance other mortgages and other credit-dependent activities. Again, this happened TWICE. 

I have been trying to get Statebridge to cooperate on this investigation but they have been extremely slow and in providing assistance and follow-up. 

This loan was originally financed by XXXX in XX/XX/XXXX It was then transferred to Statebridge in XX/XX/XXXX. 
It was then transferred to XXXX XXXX in XX/XX/XXXX with whom I made the final payoff. 

XXXX XXXX was closed in XX/XX/XXXX. I therefore have not been able to obtain detailed transaction calculations from them. 
Statebridge is still around and definitely incorrectly calculated my payments. 
XXXX only serviced the loan for 2-3 months before I paid it off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation