BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
We have reached out to experian 6 different times to investigate and remove unauthorized/fraud debt that is on my credit report. Every other credit bureau has done a proper and legal investigation and has removed them after finding out that it does not belong to me! Every time I have given experian evidence that this debt does not belong to me they never remove it. They simply dont investigate and keep the debt on my credit report. I have given all the proof and documentation that shows that this does not belong to me yet they have not updated and removed this. Experian is not doing there job accordingly to federal law and simple leave the debt because of there extremely low standard.

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 2020-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion is still reporting my information incorrectly for the XXXX XXXX XXXX XXXX credit card that I have with the company XXXX. XXXX the supervisor at XXXX, has already informed me via phone call on XX/XX/XXXX that the 2 months for XX/XX/XXXX and XX/XX/XXXX, have been updated on their internal system to reflect that I was NOT late for those months, and that I have 100 % perfect payment history. This information was also submitted by XXXX to all 3 credit bureaus. Also, because my account history is 100 % payments made on time, XXXX XXXX XXXX XXXX also approved me for a credit limit increase from {$1200.00} to the new credit line of {$2400.00}. Credit report is still reflecting me as 2 late payments, still has not updated my new credit limit to {$2400.00} and even though I made a payment to lower my balance from {$69.00} down to {$30.00}, it has not updated to show that my current balance reported is {$30.00}. Please update because this will help boost up my credit score and will also keep my report up to date and accurate. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: Phillips & Cohen Associates, Ltd.
State: GA
Product: Credit card
Issue: Delinquent account

Complaint:
Phillips & Cohen Associates , Ltd / XXXX XXXX XXXX has consistently reported erroneous Acct. # XXXX for the amount of {$860.00} on my credit profile for a credit card debt I do not owe. They must delete it from my credit profile with deliberate speed. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Pivot Financial Partners, Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Pivot Lending is collecting property taxes in an escrow account and not paying them. I am now responsible for the late fees and taxes and they will not respond to calls or emails.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Letter dated XXXX XXXX Applied for car loan and purchased was affected based on a credit score from SAGESTREAM LLC. of XXXX but all my credit scores from the 3 legitimate normal sources of XXXX, XXXX, XXXX were 700 + scores. I dont understand how a company that not even the dealership has heard of as I checked with them after receiving letter Can affect someone built good credit history be allowed to do business ... please look into this nonsense as I have now researched numerous people complaint about the same situations ... 
Ps : I car the loan for the car but my interest rate was affected do to their negative score in miss information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Earm LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a text and a call that I had 24 hours to respond to the phone call about my account ( very vague did not mention account name or type ) and left a number for me to call. 

I returned the phone call and it was third party called MAC XXXX XXXX  XXXX XXXX I called and let them know that the debt was included and discharged through Bankruptcy. The representative said that he didn't care, this wasn't about bankruptcy, this was about me writing bad check and that if I didn't pay they were going to prosecute me for writing a bad check. He then went on and told me I had 7 years to pay this debt and that if it wasn't paid in the next 24 hours he would file a complaint with the county court. 

After explaining to him that i was no longer liable for this debt because it was included and discharged through my Bankruptcy. He stated " I don't care, you need to learn how to pay your bills. '' and then hung up on me. 

I called back to try and explain the situation and every representative taunted and stated " pay your bills!! '' and proceeded to hang up. 

I keep receiving text and automated robotic phone calls stating I have 24 hours to resolve this issue and leaves the same number for me to call.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-23
Company: Experian Information Solutions Inc.
State: TX
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:
There are many mistakes appeared in my report I have never paid late these accounts : "   XXXX     XXXX  # Account #  XXXX   XXXX  '' "  XXXX   XXXX   XXXX   XXXX  # Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX  DEPT  OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX  DEPT  OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  ''  " U S DE PARTMENT OF ED Account #  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 2017-05-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
You have reported wrong status in my report I have never paid late these accounts : "  XXXX  -  XXXX  " "  XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: CIT BANK, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
My father had XXXX CDS with CIT BANK XXXX XXXX Bank. Home base for CIT BANK/ONE WEST is XXXX XXXX. He died on XXXX XXXX, 2016 in his home state of XXXX. His will was probated in the XXXX Courts, approved by the judge and an estate account was established. My brother & I are joint administrators for the estate. My brother contacted CIT BANK in XXXX 2016 & provided all data necessary to have the certificates redeemed and a check issued to the estate. CIT refused to honor the documentation as it is their policy to not honor the estate that is housed outside of XXXX. They insisted we had to file a new probate in XXXX to have the funds released. CIT BANK DOES NOT HONOR SISTER STATES PROBATE. I contacted the XXXX XXXX XXXX XXXX advised me to contact both you and the XXXX. The Chief Deputy Attorney General must have notified CIT Bank because 2 weeks later, my brother received a call stating they are sending a form that needs to be completed, signed & notarized by the both personal representatives and then the funds would be released. The condition, we had to close the accounts which ironically that is what we wanted to do! The form we received was an official CIT BANK form, affidavit of sister state personal representative. We were allowed to complete, sign, have notarized & SCANNED to the company. No hard copies necessary. We did receive the funds within 10 days however, I am still writing this complaint because my dad had a lot of assets in different institutions from XXXX XXXX to XXXX XXXX None of the other companies put us through this ordeal. It is stressful enough to lose your last parent and trying to settle the estate knowing that you are getting this money because your parents are both deceased .And if we would have to had to open a second estate, estimated costs of {$11000.00}. That would have eaten into the original balance of the funds plus interest..The estate left the funds to my brother, myself and the XXXX grandchildren. My dad served in both XXXX and XXXX. He was an intelligent man and his mind was very coherent to the end. I believe that CIT DID NOT DISCLOSE anywhere in the disclosures that if the owner of a certificate of deposit passes prior to maturity, the bank will not honor estates established outside of its home state which they perceive as XXXX. I feel that clients who want to invest with financial institutions be made aware that this bank will not honor out of state probated estates. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On or about XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX. At that time I was driving and had others in my vehicle who could hear my conversation. The representative of XXXX stated the call was an attempt to collect a debt. I interrupted him and tried to explain it was a really bad time and if I could return his call at a later time, he cut me off and stated that the account was not pending litigation. Before he could finish I ended the call. 

Later that day, I called the number back and the representative asked how did I hear about them, told him about the call I received earlier. I also complained to him about the previous call. I then explained to him about my dire situation in XXXX ( when I had to stop making payments ). Explained that I recently had major XXXX and have been recovering past two months. He wanted me to commit to making a payment and I explained I could not commit what I do not have. I further explained my financial hardships, especially now with the shutdown due to the Pandemic. He repeatedly stated if we could not come to an agreement, he could not guarantee the debt will not be turned over to the attorney for litigation. He then questioned me whether I wanted to take care of my bill or not ; whether i wanted to fix my credit. I informed him that they were really inconsiderate calling and making threats during this Pandemic we are going through. I then informed him to cease calling my phone and to contact me through US Mail only. He then asked why and if I wanted to make an arrangement to avoid litigation. I informed him that I needed to seek legal advice so I could know what my rights are. The representative started asking me again if I wanted to avoid litigation and improve my credit. I ended the phone call. The following day, I received a XXXX package with a letter demanding payment or for me to make payment arrangements. 
All I asked for was time to figure out how I will handle this debt given my current financial hardships.

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 2016-10-14
Company: Aspen National Financial, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
The debt has been satisfied. They wo n't send a letter of deletion so it will be removed from the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-25
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2015 I sent a certified letter to Grant & Weber requesting verification of the debt they have been reporting on my credit profile. The debt total {$150.00} + {$50.00} for interest. I have yet to receive validation of this debt. On XXXX XXXX, 2015 I decided to send a letter to settle this debt and have it removed from my credit profile. Since the amount would total XXXX I figured I would save my self time and money and send them a request to settle this account. On XXXX/XXXX/2015, I received a letter from Grant and Weber stating they have no record that I made no attempt to contact their office. I have attached the XXXX certified letter receiptsand copy of the letter I received from Grant & Weber on XXXX/XXXX/2015. I was under the impression that they are required within 30 days to respond with proof of this debt belong to me. The letter dated XXXX/XXXX/2015 was not validation but a collection letter, they totally ignored validating this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Due to the pandemic fromMarch of 2020, Navient has been taking my monthly payment for my student loan and it has come to my attention that all payments were to be on hold. No one will answer my questions and being passed around from one person to another

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
in XX/XX/2019 there was a fraudulent charge made to " XXXX XXXX XXXX '' for {$110.00} from my BlueBird American Express prepaid card..I checked with the XXXX XXXX XXXX  and `` XXXX XXXX XXXX '' doesnt exist and no lic reported..I filed a fraud complaint with my card carrier and they declined my case. I don't believe they did any investigation due to the information I got from the XXXX ... I want my XXXX thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-08
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I humbly ask for you to investigate my beliefs that I have fallen victim to predatory lending practices in the mortgage and housing industry with my home of almost 14 years. I believe XXXX Bank and their agents have used predatory, unlawful business practices with my mortgage since the pass through certificate was issued in 2007, per the settlement agreement between the US DOJ and XXXX XXXX in connection with its sale of residential mortgage backed securities. 
For the past decade the ebb and flow of the rebuked harassment of these known criminals and their various agents driving by, calling and posting notices has been unbearable, causing me harm and housing insecurity that has greatly, negatively impacted my life, psychologically, personally, physically and financially. In my research and education gained throughout this process, I learned that I have been labeled a securitized finance product. Please help me and others like me to be protected against foreign predatory financial institutions and all of their agents acting on their behalf, to secure our right to life, liberty and the pursuit of happiness. This whole process has left me feeling helpless and misguided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I own a saving account with wells fargo. I am abroad and have tried every policy way to send my current money to XXXX and close my account. However, they will not do this even though, I can verify many aspects of my identity. They claim I still am not providing enough information. However, I have all original documents.

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 2020-02-29
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX 2019 I was in a car accident and the other lady 's insurance was supposed to pay my medical costs as well as my daughters yet it is shown as in collections on my credit and I should only have one medical bill on my credit from 3 years ago

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Updated I.C. SYSTEM, INC Account XXXX I've disputed this debt and yet it keeps coming back it's mine. The debt itself is for medical services. I have now and had at time of the noted debt insurance which I already sent documentation of. My insurance is provided by XXXX and I have no share of cost. I didn't visit any emergency treatment on the date in question, and if I had I would have used my insurance benefits. I have 3 of these on my account so.c system XXXX XXXX ( which I never heard of nor is there one in my city of residence ) and the last one isn't mine. I want these off my credit report. If you need copies of my insurance for the dates these were all established on please let me know so I can submit more.

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 2020-04-08
Company: Experian Information Solutions Inc.
State: TN
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:
Experian continues to report inaccurate information, bad phone numbers and reporting an account ten years old. ( XXXX XXXX XXXX ), I have sent certified documents to XXXX XXXX and have receive no response and lastly XXXX XXXX is reporting a 30 day late that is inaccurate.

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 2016-07-19
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife has recently died very suddenly and unexpectedly. I am trying to get some mortgage relief from Citi, since my household income is now reduced by more than half, through the established loan modification programs mandated under law. The system they have in place is very clearly purposefully designed to make the process as hard as possible and prey on people who are in the absolute worst and most desperate situations. They send hundreds of letters in the mail just to confuse you and then tell you to ignore them. They require you to respond within days to complex document requests that they give you no explanation of, but they wo n't respond to your emails for weeks. They claim you can reach your support specialist on the phone but its LITERALLY impossible to do so. Once you submit documents they just keep requesting the same ones over and over. Then once they 've delayed you long enough, they claim that its a new month now so they need yet more documents. 
The process surely crosses the line from simple incompetence into purposeful fraudulent manipulation of the system and of their customers when they are in there most dire situations.

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 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
After me contacting each bureau personally and creditor personally I do not see an update on my credit report. I contacted the creditor month ago XXXX regarding why a student loans was reporting not 100 % creditor then stated that everything was paid and the bureaus made a mistake on there end. Contacted the bureaus and they confirmed that they will dispute and update it they never did! They lied and keep reporting false information on my report which is against the Fcra section 609. There are wrong balances and payment dates and amounts please fix this issue ASAP XXXX shouldnt have to wait on yall when yall going against multiple laws It was never a response! They never responded to me! or updated anything

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