BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXXXXXX XXXX XXXXXXXX Balance : {$80.00} XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020

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 2022-08-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SYNCB/LOWES, Account number XXXX, Charge Card, Closed & charged off. {$5.00}, XXXX written off, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, FL XXXX SYNCB/PPC ( paypal ), Account number XXXX, Credit card, Closed & charged off, {$3700.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, FL XXXX Both charges from Synchrony on my credit report are not mine : Called Synchrony and the agent sees BOTH accounts and directs me back to Paypal and Lowes credit XXXX 

2 letters to address asking for verification of statement this year gone out. No Reply SYNCB/PPC, called fraud, and they direct me back to Synchrony Bank . Synchrony Bank says, no work with PayPal. 
SYNCB/LOWES, the supervisor took documents of my address and promised to remove send forth letters out to credit agencies and myself. That was 8 weeks ago. Called yesterday, no record of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my credit card due to " high balances '' on OTHER credit cards that I have, were their exact words. This happened on XX/XX/XXXX. My wife lost her job in XXXX due to COVID19 an I lost 1 of 2 jobs during COVID19. No phone call or anything. I have ZERO lates on my credit history with this card. The balance on BOA credit card is not even close to the credit limit. Called BOA on this matter and was told there is nothing they can do. Credit history will now be affected. They did not take into account COVID19.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I dispute with Transunion and ask for specific information to help me settle my situations with creditors and they send me information that is computer generated. I need for them to check the information not get computer generated information, so I will be able to follow up on the dispute with the physical information they obtain. So I am attaching a letter to this complaint for Transunion, which is a request to investigate and provide me everything I need listed in the letter to help me settle my dispute.

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 2017-05-01
Company: ORG GC GP Buyer, LLC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've been receiving collection invoices from this company on several occasions. On  XXXX   XXXX ,    2017 I se nt certified mail denying this account belong to me, they fail to respond to this letter. Once they fail to respond I then  sent 3 certified  letters asking them to verify the debt. They refuse the debt with documented proof that the debt indeed belongs to me. They are in clear violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My prior mortgage service XXXX sold our loan to Mr. Cooper. We have asked multiple times to change our payment date from the XXXX to the XXXX to best align with our pay cycle and were told no, but as long as its in receipt by the XXXX its within grace. So we have paid on the XXXX of the month. Every month we are receiving reminder calls and this past month they called daily, even twice a day about the payment even after it was scheduled for the XXXX on their online payment portal. This is XXXX inducing and an inappropriate collection practice, especially when the payment is already set up to be pulled from my account through their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting a late to my account that I should not have. My mortgage account was transferred over from XXXX and I was not informed of this, I did not receive any kind of letter or notification about the transfer of my account. I did try to make payments to them however they were declined and they would not accept it. I tried to pay my account on time and this late is not my fault.

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 2022-02-22
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The THD/CBNA appears to be a charge-off account with a specific balance of {$340.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX and XXXX Bureaus. As per FCRA, the XXXX and XXXX bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the 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 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$94.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$430.00} XXXX cards is on there also and its alot of inquire on my credit report that are unauthorized by me i have no knowledge

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 2016-04-12
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have contacted CMRE to get a statment of my account at least 6 times. I have continued to make more than the agreed payment monthly but they have still not sent me a statement of my account showing payments or that they have been paid in full. I have no way of knowing what my current balance is if they do n't give me a statement with the interst calculation or the payments recieved. I have not recieved a statement since 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 2016-01-13
Company: Mark A. Kirkorsky, PC
State: HI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A debt collection company in XXXX, Arizona sued me in the local court system over unpaid credit card debt. I called the debt collection company and spoke to a man named XXXX ( if my memory serves me correctly ), and told him that I can not pay the debt due to financial losses and other circumstances, and offered to pay the debt off at {$200.00} per month, stating that {$200.00} per month is as much as I can afford on my current budget. 

XXXX told me during that phone conversation that he would email me a copy of an agreement that would enable the loan to be paid off at that rate ( {$200.00} per month ). I told XXXX that I must see the contract before I can agree to it. I never received that document, and so the agreed arrangement was never initiated. 

Now, the debt collection company for which XXXX works is initiating garnishment of wages at the maximum allowed rate. If garnishment is initiated I will not be able to pay my bills and suppose I will have to file for bankruptcy - something I have not done because I have not even had the funds for the fees involved. 

This is the second time a debt collector has initiated garnishment of wages after agreeing verbally to accept monthly payments. The previous occasion was resolved through your assistance. 

Since the agreement to pay off the debt at {$200.00} per month, my rent has gone up by another {$120.00} per month. At the same time, there was no cost of living increase for me this year due to my employer 's business losses. I really do n't know what I will be able to afford for debt payments now - and my landlord can be expected to continue raising my rent yearly. 

Your assistance is much appreciated, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2020-01-14
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, Ditech, LLC made a flood insurance payment of {$3000.00} to a cancelled flood insurance policy ( " XXXX '' ). On XX/XX/XXXX, Ditech, LLC made a flood insurance payment to my current flood insurer for {$1300.00}. On XX/XX/XXXX, XXXX sent Ditech, LLC a refund check for XXXX. TO DATE, this refund check of {$3000.00} HAS NOT been credited to my escrow account. 

My insurance agent and I have REPEATEDLY tried to get Ditech to correct its error. On XX/XX/XXXX, Ditech claimed the refund would be credited in 7-10 business days. I have made several subsequent calls. To date, the monies have not been credited. On XX/XX/XXXX, Ditech transferred the mortgage to another servicer, XXXX XXXX. The escrow information Ditech sent them was incorrect. 

You will see from viewing the attachments that it is clear Ditech made the flood insurance payment, received a refund of the flood payment from XXXX and did not credit it. This is a great deal of money that I NEED. Please assist me in getting them to do their jobs properly and properly credit my escrow account. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
My 13th check that was deposited into my account from the same person was all of a suddenly flagged and put on a five day hold and they claim that is was put on hold because there is a lot of fraud from some of its ' members and all of the deposits are put on hold. This is a lie since the previous 12 checks were not placed on hold. Why was this 13th check put on hold and I do not buy the fact that there is wide spread fraud or bad check deposits from some of the members so all of the members are penalized. I think that deposits should be on a case by case basis and should be held for 5 days on the customers that have previous bad check deposits or have a negative balance with the bank. The security a hold on the deposit and there is a reason why that this check or at this point and time that they decided to place a five day hold and I have a right to know the reason. Also taking the deposit from my account gave me a temporary negative balance in my checking account that could have been a tragic out come.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
XXXX just now has notified me of a drop in my credit score due to a hard inquiry by XXXX on XX/XX/2016. I have not requested a credit card, or an increase in credit on my existing card, and there are no late payments associated with this card. This hard inquiry needs to be taken off of my credit report and credit score needs to be restored.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-01
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had a high interest XXXX loan for years with a high balance. A couple of years ago Springleaf Financial took over the loan. I finally paid the loan in full XX/XX/2015. I checked the statements for a couple of months to make sure the balance was truly XXXX. Since I did n't use the account I did not keep checking the statements after that. Because I always have a balance in the thousands I never realized I was being accessed an annual {$50.00} fee on top of the high interest rates. So in XX/XX/XXXX they accessed an annual {$50.00} fee I did n't look at my statements because I expected the balance to still be XXXX. When it did n't get paid they reported it as " over 30 '' to all XXXX credit bureaus. 

I did n't know there was an issue until I tried to finance a car and my credit score had dropped XXXX points! I called that day and paid the balance and closed the account. I then called customer service and at their urging I wrote to their complaint department and when that did n't work I even tried writing to the CEO of Springleaf and all rejected my requests to have the harmful information removed from my record. 

I understand that legally they reported accurate information. However, it was a ridiculous honest mistake and I feel they should give a long term client the benefit of the doubt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: Element Global Services
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX XXXX called my home number listed allegations filed against me and failure to contact her will result in legal action. the name given ( XXXX ) is not anyone that resides in our home, currently or previously. We do not have any outstanding debt, or allegations against us.XXXX. number stated it is a debt collector and kept me on hold ( probably long enough to get my office number ) and then told me the person at number XXXX is not available, please leave a message.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: Consumer Portfolio Services, Inc.
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Took out a car loan in XXXX with CPS. Car was paid off in XXXX and I relieved the title to my car. Upon looking at my credit reports in XXXX this year, they were reporting the status of this loan as charged off/collections and settled in full. I attempted by phone and by certified mail to correct this matter. I asked for proof that this was settled in full and not paid in full. Also asked for proof of the charge off/collections since this was news to me. As far as I knew, this loan was paid off normally. No charge off, no collections and not settled in full. On XXXX/XXXX/XXXX they sent a letter back to me stating that what they are reporting is accurate and supplied an account ledger of the payment history and a copy of the loan contract. Nowhere did they include my what I requested which was the proof of the charge off/collections and when did this take place. I also asked about a settlement that CPS was involved with that stated they were overcharging its customers and that they were to compensate people that had loans with them during the time of my loan due to the settlement they reached. I saw no compensation and again they brushed off my question. CPS is under the impression that I am disputing the validly of this past debt which I 'm not. I 'm disputing how they are reporting inaccurate information yet feel like they do not have to answer to how they report erroneous items. My car was paid in full and was never charged off. I never received notice of such a thing and when I made my last payment, a few weeks later they mailed me the title to my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has attempted to collect XXXX dollars from a cable bill from Oklahoma. They have used 3 different collection agencies and every time I get this item removed as not being mine ( identify theft ) when the new collection agency gets it I have to speak with the 3 bureaus and write to this board. I do not owe this debt and I have never lived in Oklahoma. There has to be a law against those type of harassment by XXXX XXXX and the most recent Debt collector. Originally I had also filed with the XXXX XXXX in XXXX, Florida a police report to dispute the original collection attempt.here is the name of the new agency : CONVERGENT OUTSOURCING Past Due Amount : {$1700.00}. My phone is XXXX. This has lowered my Credit score from XXXX to XXXX and you can imagine is causing me heart ache.

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 2020-09-25
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020 LoanCare reported to XXXX  that my loancare account was delinquent. However, my loan was paid off in  full on XX/XX/XXXX and the previous payments and credit reporting were and are protected under the CARES Act. Would you please correct this reporting error as soon as possible as I need my credit restored. 

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 2016-02-05
Company: Synergetic Communication Inc
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I am dealing with the collection agency Synergetic Communication , Inc. I am questioning how legitimate this company is for several reasons. They do not show up as the creditor on my credit report, and they are unlawfully attempting to collect a debt from me by violating several FDCPA laws. They have contacted me before XXXX my time zone and have also called me several times within one hour. They have also never sent me a debt validation letter to make me aware they are the collection agency assigned and to advise me of my rights to dispute the validity of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Consumer Portfolio Services, Inc.
State: NC
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Received cease and desist letter from them showing they would n't call called this Wednesday made numerous attempts through email to fix problem only response back from them is plz call

Company response to consumer: Closed with explanation