BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft and fraudulent accounts has been open in my name without my authorization. I requested XXXX, Experian, XXXX to remove them but they didnt and its going over 75 days with no information saying if they took it off or not. The company name is 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 2019-12-20
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started a refinance process of my existing loan back in XX/XX/2019. I wanted the lowest interest rate, lowest monthly payment, no closing costs, 30 year fixed mortgage, I am not taking any money out, and I wanted to pay the fewest points possible. I have great credit, very little debt ( 1 home, 1 car, 1 credit card that I pay off every month ) and should have been an easy in and out refinance job. 
My existing mortgage provider ( XXXX ) called me and pleaded with me to stay with them. They were in bankruptcy restructuring and did not disclose they had been sold to NewRez. I agreed to stay with XXXX to make the process quick and easy. Needless to say, it is now XX/XX/2019 and my loan still has not closed and is now with NewRez. 
My credit has been pulled multiple times and I have incurred a 31 point drop in my credit score from XXXX ( I was told multiple times that refinancing to a lower my interest rate would only impact my credit score by 1 to 2 points - this is far from what happened! ). 
My loan has unlocked at least once, the person that I was working with quit and NewRez did not move the loan to a new processor to actively work. 
After repeated emails and phone calls I finally found out my loan fell into a black hole as a result of the person leaving the company. Due to all of the missteps on NewRez 's part they PROMISED they would give me a great rate and a great deal as a result of all the hassle. This was hardly the case ... they lied to me, tried to pass thousands of dollars worth of costs to me and then pretend like they didn't ( they were shocked when I would ask, where are these costs suddenly coming from ... and pretend as if I must be mistaken, there were no costs being passed to me! They aren't the only ones that can compare multiple documents and add! Had I taken them on face value, I would have paid money to line their pockets with commission. We still have not closed, I have called their corporate office and am waiting a call back from their General Manager. 

The lies, the manipulation, and the lack of respect for people is unconscionable. There needs to be tools that guide consumers with facts about rates, closing costs, points, etc. I know I am being lied to and manipulated but I have no idea to what extent! I simply want a fair refinance, but to date this has not occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: CITIBANK, N.A.
State: NY
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 am writing in reference to a Citibanks credit card ( Citicards ). There was a fraudulent charge made in the predecessor card ending in XXXX which was closed upon my call to report this charge. My card was used fraudulently in XXXX. The charge disputed is : Merchant : XXXX XXXX Amount : {$10000.00} ( Euros XXXX ) Date : XX/XX/2018 After calling Citicards numerous times over several months after I discovered the charge and asking to reach out to the merchant and request proof that I made the charge, my case was denied and closed. My credit card was later on closed as well. Citicards claims they reached to the merchant, but never provided any details of that, nor a clear explanation of what information they received from the merchant. 

I reached to the merchant and was provided with a sales invoice showing the charge disputed. The invoice apparently was issued in connection with a purchase in XXXX at an auction house made by an individual with an address in XXXX, who I dont know. The merchant also indicated they typically ask for identification before allowing individuals to participate on their auctions, but I was not provided with any other information or identification that may be in their possession. As such, the merchant must have verified the identity of this individual, which clearly shows it was not me who originated the charge. 

In light of the above, I request that you get involved and ask them to credit back the amount fraudulently charged to my credit card. Please feel free to reach out to me with any questions. 

Regards, 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 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I signed up for Transunion credit services and was charged XXXX I was able to stop this unknown subscription I had but I would like a refund. I signed up yesterday and the charge showed up in my account this morning. It says a FREE credit score check but I was still charged. I have had the account for less than 24 hours and would like a refund 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 monetary relief
Consumer complaint received 2021-01-19
Company: Harvard Collections, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
im am being charged by harvard collection service and the orginal creditor was XXXX and i had sent cfpb information on this account and i got a letter 3 yrs ago that it was not owed. now they are coming after me again for the money they say i owe. XXXX is saying i owe XXXX and they want to settle for XXXX and it has been aredy written off the letter i received today is dated XX/XX/2021. they are telling me that this was done 3 yrs ago.and i dont owe this money .and im not paying for something that i had sent your company before about this matter XXXX  wrote it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I originally saw {$3600.00} outstanding. I have been in contact with US Bank representative XXXX XXXX, XXXX XXXX and others. Per our conversations, US Bank was to mail {$140.00} this week and the other matters pending since XXXX, 2019 namely CFPB complaint {$710.00} and {$470.00} will be resolved next week. 
To date, Friday, XX/XX/2019 I have received 0 confirmation. 

Below is my email to US Bank on XXXX XXXX, 2019 memorializing our conversations : XXXX XXXX XXXX XX/XX/2019,  XXXX AM ( 3 days ago ) to XXXX, XXXX, me, XXXX, XXXX US Bank XXXX Per our conversation, this is to confirm that my {$140.00} check will be mailed this week and all other matters pending since XXXX, 2019 CFPB complaint {$710.00} and {$470.00} will be resolved next week. 
Again, my mailing address is : XXXX XXXX, XXXX. XXXX XXXX, XXXX, IL XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: MO
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2020-02-19
Company: EQUIFAX, 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:
XXXX XXXX Appears on my Equifax Credit Report as having performed a credit inquiry. Upon contacting XXXX XXXX and providing my SSN, they indicate no record of this. I contacted Equifax and submitted an online dispute. Equifax states that they resolved the dispute and the request is accurate. Somebody is lying or not actually following up. XXXX XXXX contact provided is : Consumer Financial Protection Bureau. Equifax has my dispute and has completed it. There is no possible way that I authorized XXXX XXXX to pull my credit and I want this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Experian Information Solutions Inc.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX   breach as well.

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 2019-12-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am attaching more documents. I am filing this consumer complaint because I attempted to resolve my concerns directly with crooked PHH/Ocwen and its dishonest lawyer who lied to cover up loan servicing abuses that have caused me extreme harm, just like when Ocwen/PHH and attorney XXXX XXXX accused me of not putting my loan number on a cashiers check when I did. The pretender lender loan servicers and XXXX XXXX never apologized for intentionally harassing me to cover up loan servicing abuses. On XX/XX/2019, XXXX XXXX attorney XXXX XXXX responded to my consumer complaint misleading the CFPB to cover up more loan servicing abuses. I attached documents that prove how dishonest they all are. MyXX/XX/2019 payment was due. On,XX/XX/2019 I paid the XX/XX/2019 payment on XX/XX/2019 which put my account into a current status. My next mortgage payment was due on, XX/XX/2019  The documents I attached for review proves that the troubled loan servicer is pretending that my loan was over 31 days late when it wasn't. On XX/XX/2019, just days after my account was put in current status the troubled loan servicer created a XX/XX/2019, statement early so they could pretend I was in default, because that's what pretender lender loan servicers do. On XX/XX/2019, when my loan was in current status and not in default I received an early intervention letter giving me options how to give my home to the pretender lender loan servicer or how to save my home from foreclosure. On XX/XX/2019, I mailed a letter to XXXX XXXX regarding several concerns I have about PHH/Ocwen loan servicing abuses including requesting written consent from the troubled loan servicer to put my property in a living trust, as of today XXXX and its lawyers failed to respond. If XXXX XXXX dishonest attorneys continue to be dishonest to cause me extreme harm I will have no other option other then to search for help from other sources including law enforcement and the city mayor to investigate my concerns. I am asking the troubled loan servicer and its attorney to try and be honest and respond to all my concerns that I addressed in my XX/XX/2019 letter mailed directly to the troubled servicer and its attorneys. Please respond to my latter dated, XX/XX/2019, immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Recently I have started going over my credit report. I noticed some incorrect addresses and phone number. I reached out to all 3 credit agencies, I sent in my drivers license with my address on it, a current utility bill with my address and a letter with all the incorrect addresses. I got no response. though a credit monitoring app I use, I saw that my new address was updated but they did not remove ANY of the information that was incorrect. I sent a 2nd letter and realized I could file a complaint via the CFPB. The incorrect information while small all add up and are affecting my credit score in a negative manner.The received the XXXX letter XX/XX/2022 track # XXXX and added the new address XX/XX/2022 but again nothing with the incorrect information

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 2017-12-25
Company: Experian Information Solutions Inc.
State: NJ
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:
There are many mistakes appear in my report without my understanding.

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 2021-03-01
Company: Westlake Services, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-03-01
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX is reporting a collections account from XXXX XXXX XXXX ( utility ) that was already paid to XXXX. They then reported to the credit bureaus that the collection was paid in full. This is inaccurate. I never paid them and they are still reporting a collections to the credit bureaus. I have disputed this with them and the bureaus and XXXX XXXX refuses to remove the inaccuracy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery keeps calling on different fake numbers ( the one today was XXXX ). We have told them numerous times to quit calling this business number. The debt is from years ago and past any time for legal collection actions. They sent a letter to this effect. Under FCRA, they are not to call if told not to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: Conn's, Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 
( C ) Limitations on extension of period to reinvestigate. 
Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. 



This is a CHARGE OFF and I continue to receive NEGATIVE REPORTING XXXX XXXX Acct # XXXX PLEASE REMOVE FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: MS
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 XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXXXXXX 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 SECTION 2 IT ALSO STATES : A CONSUMER REPORTING AGENCY ( CAN NOT ) FURMISH A ACCOUNT ( WITHOUT WRITTEN INSTRUCTIONS ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I have been dealing with this nightmare for 9 months now.   I purchased  XXXX  mattress sets from   XXXX   XXXX  . They say if you do n't like the mattresses there is a full money back guarantee minus {$150.00} for pick up as long as all is handled within 30 days. I returned  XXXX  set to the tune of {$1600.00} and paid the {$150.00} for pick up.   XXXX   XXXX   had just this  XXXX  bed on it ... the other  XXXX  were paid in full at time of purchase. This was  XXXX   XXXX ,  XXXX . Come  XXXX  of  XXXX  I was in a dispute with    XXXX   XXXX  ,  who kept sending me to  XXXX   XXXX . On  XXXX   XXXX ,  XXXX    XXXX   XXXX      sends me a  XXXX  balance with a letter that copies off to  XXXX   XXXX   XXXX  Stop billing. It is now  XXXX   XXXX ,  XXXX  and   XXXX   wo n't stop billing me ... I have a past due balance of  XXXX  that they want to negotiate with me and keep  XXXX  on fees that I did not incur ... I fax them the full package of information every single month. No response ... just a new bill every month.

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 2019-12-20
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I utilized an " Promo Offer Check '' issued by cardmember services for my Visa Credit Card. 

The Check offered a 0 % APR until XXXX of XXXX with a transaction fee. 

There is nothing in the " fine print '' that indicates all business will be charged interest on the lowest interest rate balances first. I used the promo check to make a large purchase. All regular monthly purchases are paid in full each month. 
I made a large payment to cover all regular purchases in addition to applying a portion to my promotional balance. The credit card company applied my entire payment to the promotional balance and charged me interest on the remaining balance. 
I complained that I was duped by a " bait '' promo. Not only did the company get fees from me for the large purchase, but they are charging me interest. 
They said the only way to avoid interest is to not use the card from here on out ( since I always pay my regular balance off in full every month ) and they will eliminate interest fees. 

I can't imagine that I am the only one this has happened to. The credit card representatives could not locate the wording on the promo that would indicate my payments would all go toward the promotional balance and interest applied to the remaining charges. This lack of disclosure is fraud!

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 2023-04-15
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
Dispute has been pending since XX/XX/ with no updates

Company response to consumer: Closed with explanation