BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-06
Company: Franklin Credit Management Corporation
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: Old information reappears or never goes away

Complaint:
I received a letter recently from Franklin Credit who is suddenly and mysteriously regenerating a bill that was closed out in a foreclosure back in XX/XX/XXXX-XX/XX/XXXX for a property they even have listed improperly at XXXX XXXX XXXX XXXX NC and the physical address was XXXX XXXX XXXX XXXX because the Attorney we hired who was handling everything had committed some fraudulent activity with hundreds of clients just like myself and I wound up with 2 Payments to different lenders at ridiculously high rates and not long after he wound up in XXXX  for this subprime lending scam. 
This is XX/XX/XXXX and this was generated coincidentally on the same exact date that I had called XXXX  complaining about my FICO score being 30 points lower that my XXXX  or XXXX  FICO scores. This regenerated mortgage debt is over 17 years old now and I should not be receiving mail at my Apartment in XXXX XXXX in XX/XX/XXXX for something this old. I am attaching this document and really need your assistance before this winds up on my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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: Account status incorrect

Complaint:
I have provided each credit bureau ( Experian, XXXX and XXXX ) with a deletion letter for XXXX # XXXX, this account is reporting late payments that are inaccurate for the following dates XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. I have provided them with the deletion letter twice and each time the investigation come back with the lates still reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I make my mortgage payment via phone call every month by the XXXX, after the XXXX a late fee is charged. 
I called in XX/XX/2020 and spoke to a representative. I asked to make a payment and then hear detail about refinancing. I was told my payment was scheduled and then spent over an hour hearing about refinance options. The payment was not able to be lowered as much as another lender offered, so I declined the refinance option. 
I received notice via phone a couple weeks later that I missed my XXXX payment. I told the representative I believed I had paid it, and beyond that PennyMac had just provided a payoff statement to the new lender I planned to refinance with. I asked if I should still make a payment of if this would affect my refinance. The representative said they did not know the answer to that question and would have to speak to their refinance department and get back to me. I never received follow up on this question. 

I received a call from my new lender the following day stating PennyMac sent them an unprompted payoff statement noting I was 30 days late on my mortgage. They also notified the credit reporting bureaus. The new le nder notified me that I would not be eligible for refi anymore due to this. I immediately called PennyMac and explained the situation. The representative and supervisor I eventually spoke with were unwilling to help in any way. I asked for calls to be reviewed, for the refinance department to be contacted so the issue could be reviewed, and I offered to provide phone records which were declined. I have called PennyMac seve ral times over the last 3 weeks to request a letter stating there was an error when processing my XXXX payment. I could then provide this letter to my new lender and still be eligible for refinance. PennyMac is refusing to give any documentation stating such. After several attempts and my request being declined, I suggested that they place blame on me and call it a misunderstanding on my end. They were still unwilling to do that and have offered no recourse. 

Each time I call I have spoken to a different representative, however they all have given the same statement once asked for a letter ; " This is so you can refinance with another company, right? '' I feel as though I am being blocked intentionally and discriminated against because they know I am trying to refinance elsewhere. I have never been late on a mortgage payment in the three years I have had a loan through PennyMac and we have always had good rapport. I would like to end our relationship on a positive note and be provided a letter as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Issue: APR or interest rate

Complaint:
I bought XXXX computer using barclay card with 0 % APR for 12months. I was paying {$100.00} every month. In XXXX 2015 the remaining balance was {$200.00} and was charged with XXXX dollars of interest for not paying off entire balance on time. It turns out that it was deferred interest card. Well nobody told me that when I was signed up for card. What kind of practice is that? They made XXXX and lost customer. I will never use barclay services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-06
Company: Stevens Business Service, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX ACCOUNT FOR {$870.00}??? NO WAY!!!! 

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
All Collection or Charge-Off accounts on credit report should reflect a closed status. By leaving the status as open, my balance has changed several times from the collection and/or charged off amount. My understanding is that " Open '' accounts influence your credit score much more harshly than " Closed '' accounts. If a company has " Charged Off '' or sent your account to " Collections '' should n't it be closed from reporting every month as a revolving or installment account?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Advance America, Cash Advance Centers, Inc.
State: FL
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I had a payday loan many many years ago with Advance America ( I think ) that was paid however, it 's still reporting that I have an outstanding PDL.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: SYNCHRONY FINANCIAL
State: OR
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
I have several CDs in Synchrony Bank that mature on various dates. I gave instructions to the bank to close my CD account that matured on XXXX/XXXX/16 and transfer the funds on maturity date to my bank account in XXXX XXXX XXXX. They are holding my money despite asking the to close my account 2 -3 times over phone as well as sending them e-mail thru their own website ( secured mail ). 
This is not the first time. They did it in XXXX & XXXX 2016. I will not be surprised if they do it again on XXXX/XXXX/16, when my another CD matures.

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 2015-11-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have/had a Gap credit card since XX/XX/XXXX, which I have paid on time until recently, when I had a family emergency for which I had to leave the country for an extended period of time. As a result, I fell behind on my card payments for XXXX and XXXX. The outstanding balance at the time was {$140.00} of the {$300.00} credit limit ; then the outstanding balance went up to {$410.00}. About a week ago I went online to pay and bring my account current and thought everything was fine until recently, through credit monitoring, I found out that the company closed the account unknowing to me. As a result of this my credit score was seriously impacted. I called the company today XX/XX/XXXX to get a copy of their written policy/cc agreement showing how/when they go about closing an account, and was told they do not have a written policy, but review the account after 60 days and them make a decision. 
I am a XXXX year old trying to work and continue my education at the same time. I consider myself to be financially responsible. I had no idea that the card would be closed without any prior notice. I am now placed in a predicament because I need get a car to get to and from school and work and my credit score went so low that I will get excessively high interest rates, an may no longer be able to afford a payment for a reliable car. In addition, I am not sure how that will affect my ability to get a student loan. Not to mention if I do get a car I will also have to get insurance which will be higher because of my now very low credit score. 
Before this incident I had a XXXX score of almost XXXX now it 's down in the XXXX 's. I do not understand how I could have been penalized so drastically for XXXX credit card with a {$300.00} credit limit. I am being treated like I had a bankruptcy or foreclosure. This is not fair I have a good payment history with my other cards. What basis did they use to make the decision to close the card without prior notice? Did they review my credit? 
I was hoping the XXXX XXXX would work with me to re-age/restore the account so that I can get my credit score back up. They did not help. I am willing to pay down the balance to {$0.00} if that 's what it takes to get my credit fixed. Please can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
The company is reporting a debt that's out statute they are reporting an inaccurate date of last activity and account history. Please make them show proof of what they are reporting to my credit which is causing an undue hardship.

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 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Social Finance, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opted in to a SoFi Money promotion to have a {$1000.00} direct deposit post after opening checking account to receive a {$100.00} bonus paid out within 2 weeks. This deposit posted XX/XX/XXXX and I still have not received this bonus. I have reached out to SoFi customer support twice since then, both times they have said this promotion is pending but it has been several weeks and no action has been taken by them to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: Southwest Credit Systems, L.P.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of this debt collection. I have never received any notice or anything regarding this collection from this company. This debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call every day 3-4 times! I get their emails. I get so many calls while at work. This is unnecessary!

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 2015-11-09
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworld Systems INC, a debt collector reported that I was delinquent even after I made payment of complete agreed upon amount towards settlement. 
Transworld Systems INC had confirmed that they will not report if I make the full settlement payment. After I called and informed they corrected their reporting error, but the harm was done by then in terms of incorrect reporting to Credit Bureau 's resulting in my lower score for the month XX/XX/XXXX. 

I would appreciate if corrective actions are taken before incorrect report is sent to credit bureau 's. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Aspen Yo LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, 2019 our loan was sold to Gregory Funding from XXXX. At the time of the sale of the mortgage our payments were made timely. Since Gregory Funding assumed the loan, there have been significant issues for which we have contacted Gregory Funding in writing and have not been able to reach a conclusion on our concerns, which include : - After assumption of the loan in 2019 Gregory Funding indicated that we owed over {$5000.00} and we have not received documentation as to why - Gregory Funding increased our loan payment by {$1000.00} creating a payment we could not afford - We have had to pay homeowners insurance on our own because Gregory Funding will not pay this from our escrow - Our payments to Gregory Funding in XXXX, 2019 and XXXX, 2019 were made to interest only causing us to consistently be 2 months in arrears on payments- We continue to accrue late payment charges every single month because of Gregory Fundings lack of response While we acknowledge that some of our payments were late, most at the beginning when we were trying to get the payment corrected, which never happened. We ended up continuing to payment the previous payment amounts. We have attempted almost monthly verbally and several times in writing on getting this issue rectified to no avail. We are hoping to get some help in getting our mortgage to a good place so that we do not constantly have this issue hanging over our head. Any help you can provide to us to act as a liaison with Gregory Funding to understand the status of our loan and an amenable resolution would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Re : Non Receipt of Cash at XXXX ATM-Amex Debited Checking Acct Chronology of Events 1. XXXX XXXX 2015- Requested {$700.00} cash from ATM but did n't receive cash. Received a receipt stating I exceeded the daily limit allowed. 
2. Called Bluebird Amex and spoke to customer service rep XXXX ID # XXXX in XXXX XXXX XXXX Utah and informed him of what transpired. He then informed me to email or fax the ATM receipt along with a statement of what occurred to the Prepaid Dispute Processing Dept. 
3. I also spoke with customer service rep XXXX ID # XXXX. She also explained that the investigation what take approximately 10 business days, and in the interim I would receive a provisional credit of {$700.00} 4. I informed XXXX this was an emergent matter that needed to be remedied ASAP as it 's affecting my ability to pay my rent for XXXX and other financial obligations. 
5. I faxed and Email my letter to the PDPTD on Friday XXXX XXXX, 2015 and was received on Monday XXXX XXXX, 2015. 
6. XXXX XXXX 2015- Spoke with XXXX-XXXX Branch Administrator and explained the situation I experienced with their ATM and he requested that I fax a copy of my ATM receipt to his attention. 
7. XXXX XXXX 2015- Spoke with XXXX to follow up on ATM receipt I faxed him yesterday and he informed me after examining the receipt that the ATM rejected my request for {$700.00} due to it exceeding the maximum daily request. He also pointed out to me at the verbiage at the bottom of the receipt where it states in part " REQUEST EXCEEDS DAILY LIMIT '' as proof and evidence that the ATM never disbursed the {$700.00} cash that was requested. 
8. Spoke with XXXX, Acct Mgr. to get an update of situation and was informed that I my account would receive the provisional credit on XXXX XXXX 2015. 
9. Also later spoke with XXXX-Amex Bluebird Cust Svc and informed her of what I had been told by XXXX Mgr.-Vito about the ATM situation. I also gave her XXXX 's phone number to contact him to verify what was told to me and she informed me that she would notate the information and forward via email to the dispute processing department. 
10. XXXX XXXX XXXX Received email from Prepaid Dispute Processing Dept. stating that investigation was completed and it was determined that no credit is due and the transaction will remain on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX : # XXXXXXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX, DEPT OF EDXXXX : # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation