BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We started a refinance process earlier XXXX with Citizens Bank in XXXX, PA. Prior to engaging with them, we were warned by another lender that Citizens is known for conservative appraisal values. We ultimately went with Citizens, paid {$500.00} for an appraisal, and the resulting value was {$5000.00} less than our neighbor 's home - which is identical to ours. Not only did the appraisal take way too long to create ( XXXX weeks! ) the appraiser intentionally left off high-valued homes in our neighborhood and included a low-ball appraisal from a community XXXX miles away. We challenged the accuracy of the appraisal, and provided additional comps from our neighborhood. The appraiser rejected all of the comps we provided for various reasons but did not make any attempt to adjust for our home value including these comps. Citizens bank hid behind reform laws and now we are stuck with what we believe to be an inaccurate appraisal, have lost XXXX months of time going back-and-forth with the bank & appraisal company. 

I believe that Citizens ' bank is using appraisers that devalue properties so that people will have to borrow more money than the bank otherwise wants to lend, and as a consumer we have no choice but to use their appraiser! 

With the internet today, we have the ability to read reviews on restaurants, contractors, mechanics, dog walkers, stores, and anytime that we are paying money for goods or services. In this case, we had an appraisal selected for us XXXX and they were awful to work with! ) and we have no say in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: DISCOVER BANK
State: TN
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the DISCOVERBANK account still remains on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
State: MO
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:
When my identity was first compromised, I reported it and requested for these unknown and unauthorized accounts to be removed and yet the credit reporting agencies still hasn't taken the proper action to do so. So before taking further action on my end I'm demanding that these unauthorized accounts be removed and blocked immediately. The following accounts are not mines. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Account {$3700.00} 3 ) XXXX XXXX XXXX {$2000.00} 4 ) XXXX {$410.00} 5 ) US Dept of ED/XXXX {$1700.00} 6 ) US Dept of ED/XXXX {$3500.00} 7 ) US Dept of ED/XXXX {$200.00} 8 ) US Dept of ED/XXXX  {$900.00} 9 ) US Dept of ED/XXXX  {$350.00} 10 ) US Dept of ED/XXXX {$1700.00} 11 ) US Dept of Education {$490.00} 12 ) US Dept of Education {$1000.00} 13 ) US Dept of Education {$1000.00} 14 ) US Dept of Education {$3700.00} 15 ) US Dept of Education {$290.00} 16 ) US Dept of Education {$1800.00}

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 2021-11-13
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

AVANTE XXXX Balance {$54.00} ; AVANTE XXXX Balance {$200.00} ; AVANTE XXXX Balance {$85.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: CNG FINANCIAL CORPORATION
State: AR
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This account is reporting late as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update the late payments from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX EQUIFAX EQUIFAX DISCLOSURE DEPARTMENT XXXX XXXX XXXX XXXX, GA XXXX XXXX : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : Collection Agencies Name XXXX XXXX XXXX XXXX  XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , PA XXXX Account : XXXX To Whom it May concern : Please be advised I have requested validation ( not verification ) of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violate my rights according to HIPPA. 
XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above name original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. This is my second letter and I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
My name is XXXX XXXX and i reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I noticed on my credit report address in XXXX. I never lived in XXXX just XXXX and XXXX XXXX XXXX. Please delete any and all XXXX addresses from my credit file.

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 2021-11-13
Company: EQUIFAX, INC.
State: AR
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:
So on XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 52 days later I have not received a response. It appears that me exercising my right to address my credit is being ignored or perhaps I'm being taken advantage of. Section 611 ( a ) plainly states that failure to investigate these items within 30 days is a reason is a reason to immediately remove those items from my credit report. it has been over 50 days so I'm assuming they will be deleted promptly. I am requesting these items be removed posthaste or I will be filing litigation due to the undue stress this matter is causing me in my financial life. I am positive that my information was also impacted by the Eqiufax data breach possibly gotten into the wrong hands of someone who is not me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have not go a response from them and its been over 7 weeks. It is my understanding that they are to block fraudulent items in 4 days. they now have multiple violations. See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This incident related to American Express XXXX XXXX XXXX XXXX. Estimated impact due to the issue is about XXXX dollars rewards dollars XXXX corresponding XXXX from two statement cycles, and annual fee I paid for the benefit that I did n't actually receive. 

I converted my account from blue cash card to blue cash preferred card upon receiving an offer from American Express. Before I taking the offer, I made calls to American express to ask if I transferred to blue cash preferred, will the XXXX dollars grocery yearly limit start from calendar year ( meaning XXXX/XXXX/XXXX ) or the production conversion date. I was told that once I convert, I will receive new benefit that 6 % cash back on first {$6000.00} dollars counting from product conversion date. ( I have American Express Chat screen shot as evidence ) But after I converted the product to preferred card ( paying XXXX dollars annual fee ), and I did n't get 6 %, I was told the reason is that I have already used up XXXX dollars limit, therefore I only get 1 %. This is DIFFERENT from what I was told when I upgrade my card to the preferred version with an annul fee. 

I gave Amex a call, and got transferred to multiple department, then I was told they are going to submit a case review, and the case review can take XXXX8 weeks. In the meanwhile I am still paying card annual fee without receiving any benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: EQUIFAX, INC.
State: MO
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:
The following accounts reporting on my credit file are fraudulent, therefore does not belong to me, I'm profoundly demanding that these accounts be removed, or show just cause ( physical documentation ) inwhich why they should be reporting. I'm also demanding a Method of Verification, and the title of the employee conducting such investigation. I will also like to know the date and time of such, as well as the means of communication via phone, fax, email, mail, etc. 

If this can not be provided then these accounts shall be removed and blocked immediately. 

1 ) XXXX XXXX XXXX  {$5100.00} 2 ) XXXX XXXX XXXX  XXXX XXXX {$14000.00} 3 ) XXXX XXXX {$360.00} 4 ) XXXX XXXX XXXX {$6900.00} 5 ) XXXX  6 ) XXXX XXXX XXXX XXXX  {$3100.00}

Company response to consumer: Closed with explanation
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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ) I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO, NEVER LATE I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XX/XX/XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, LLP. THIS LAW FIRM. SPECIALIZES IN FCRA VIOLATIONS.

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 2015-06-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hello, My Name is XXXX XXXX and I am a home owner with a mortgage through HSBC. I have never missed a payment on my mortgage and was late XXXX due to a mistake. I am in dire straits. I am having to XXXX XXXX to pay XXXX, and things are getting tight, I have been trying to get my mortgage refinanced at as low a rate as possible with no PMI since XXXX 2014. I have lost XXXX. Your assistance would be appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I want to file a complaint against Citizens Bank and their service provider handling my student loans XXXX XXXX. In the FAQ page of their website, it says I can choose to have anything above my minimum payment applied directly to my principal balance. I pay over my minimum balance every month, I called and asked to have a written confirmation sent to me that all of the money above my minimum payment is being applied to my principal balance. They have denied this request for written confirmation and " assured me '' this is the case. I do not believe this is happening on my account as any payment above my minimum balance seems to just to extend my payment date, which leads me to believe they are applying my extra payment amounts to future interest payments and not applying to my principal balance. Even though it states clearly in their FAQs that I have the ability to choose where my extra payment is applied to ... and they failed to do that for me and provide written confirmation that this is what is happening with my account. I would like them to fix this on my account, provide me with written confirmation that all of my extra payments are being directly applied to my principal balance and not being applied to future interest payments and for them to clarify their FAQs so there is no confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : Collection Agencies Name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX City, State, Zip XXXX XXXX XXXX PA XXXX Account : XXXX To Whom it May concern : Please be advised I have requested validation ( not verification ) of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violate my rights according to HIPPA. 
XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above name original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. This is my second letter and I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Experian Information Solutions Inc.
State: MO
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:
My granddaughter and I  have the same first name but difference last name we have the same address but we do not have the same birthday nor do we have the same social security number. Her student loans came up on my credit report and I would like to have them removed. The amounts and dates are XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX. XXXX, XX/XX/XXXX, XXXX,XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, I called XXXX XXXX XXXX XXXX and they told me I needed to file a complain with XXXX. This is not the first time this has happened and I would like for it to stop.

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 2020-04-13
Company: Experian Information Solutions Inc.
State: MO
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:
The following accounts reporting on my credit file are fraudulent, therefore does not belong to me, I'm profoundly demanding that these accounts be removed, or show just cause XXXX physical documentation ) inwhich why they should be reporting. I'm also demanding a Method of Verification, and the title of the employee conducting such investigation. I will also like to know the date and time of such, as well as the means of communication via phone, fax, email, mail, etc. 

If this can not be provided then these accounts shall be removed and blocked immediately. 

1 ) XXXX XXXX XXXX  {$5100.00} 2 ) XXXX XXXX XXXX  XXXX XXXX {$14000.00} 3 ) XXXX XXXX {$360.00} 4 ) XXXX XXXX XXXX {$6900.00} 5 ) XXXX  6 ) XXXX XXXX XXXX XXXX  {$3100.00}

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 2016-11-03
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Midland Funding purchased an old XX/XX/XXXX XXXX credit card and had an incorrect address, threatened to suit and said they were attorneys when they were only collectors. There 's a judgement with no signature of mine or my husband and the law firm would n't talk to me because of the incorrect address Midland had.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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:
I filed a dispute in regards to the incorrect Items on my credit report. It has been well over 30 days and I have not 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 2017-10-29
Company: EQUIFAX, 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:
I moved from one rental house to another, about 5 miles, on XXXX-17 and transferred my XXXX XXXX account to the new location after being at our previous location for about 30 months. 

Upon checking my credit report with Equifax, I find XXXX did a hard inquiry on my credit report. Clearly this was not required as they know my history for the past 30 months and all bills were paid and on-time. What is most concerning is this request was not done with my permission.

Company response to consumer: Closed with explanation