BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 disputed some hard inquiries and negative remarks on my TransUnion credit report last month. Since then I have received a response from them, and my score also dropped 42 points with no alerts, or reasons explaining why. For the past 60 days I've been working day and night to fix my credit. I haven't missed any payments, and I have been making extra payments toward my credit card balances.

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 2022-04-04
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-10-30
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I made a {$240.00} payment to First Progress MC for a " secured '' credit card. It was a {$200.00} deposit into the account and the {$49.00} membership fee. I made one purchase with this card on XX/XX/XXXX and paid the balance in full the next day. The company only takes Bill Pay so I setup a bill payment account with my bank account at that time and made the payment. It took 21 days ( 3 weeks ) for the payment to post to my credit card account. I decided then that I would not use the card anymore because the payment takes too long to post. So, I put the card up and did not use it. I knew, however, that the {$49.00} annual fee would be due soon, but I was not worried about it because I was expecting to get the statement in the mail. Today, XX/XX/XXXX, I received a First Progress statement in the mail. This is the ONLY statement that I have received this year and my balance is {$110.00}. The company billed {$49.00} on XX/XX/XXXX for the membership fee, {$29.00} on XX/XX/XXXX for a late charge and {$40.00} on XX/XX/XXXX for an additional late charge for a total billed amount due of {$110.00}. I WAS LIVID!! I called First Progress and asked for a supervisor. So, XXXX ID # XXXX, gets on the phone and tells me that the company has mailed me sixteen statements beginning on XX/XX/XXXX. I told XXXX that I received that statement, but I have not received a statement since XX/XX/XXXX. Then XXXX tells me it is not his company 's fault that I did not get my statements and that there must be a problem with the mail delivery. I told XXXX that I received ALL my other bills in the mail this year, but I can not understand why I have not received one statement from First Progress until my account is past due. I assured him that I have not received any statements and can easily prove it. I signed up for the USPS Informed Delivery service- the post office creates images of the mail for that day and then emails the images to me each and every day there is mail service. There are NO images of any First Progress statements, except the one that I received today. I depend on receiving my bills in the mail and email so that I can remember when to pay them. And paying the {$49.00} is not the problem... the problem is that First Progress has not mailed any statements to me. XXXX then tells me that I would not receive a statement and it is my responsibility to pay my bills. I asked him then why did he tell me that XXXX statements have been mailed to me? And why does the company offer " Paperless '' Statements? Of course, he got smart. I told him that I was reporting this because whatever they are doing is a fraudulent business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
I had two accounts one a secured card with a {$250.00} credit limit this card had three returns from my bank, and two payments that was 30 days late. The rest of my payments on this account was paid on the due date or before and I always pay extra. My second card was a Quicksilver card with a {$500.00} credit limit. This account has only had one payment that was 2 days past my due date. Before I received my first statement for my Quicksilver card I was turned into the fraud department. I was told that due to my missed payments I needed to show proof from the bank that this was not my fault. My bank faxed in the documentation showing that it was the banks fault and the bank corrected those payments within days of being rejected. I then received a phone call from the executive office stating thank you for sending in the documentation that we have asked for after review of your account it has been determined that your account will be reactivated this was 7 months ago. Every time I call I have been told that I have to have the bank re fax the documentation and that my account has been closed. Also every time I have called to discuss the situation with Capital One I am advised to apply for a credit card because my payment history shows that I pay on time and more than what is due. I have reapplied as they stated 5 times and every time I get denied. On my credit report it shows both accounts closed by creditor but just this month my Quicksilver credit limit has been raised from {$500.00} to {$750.00}. I have all of my statements showing my payments that was made with the amounts and the dates that I paid my bill. I no longer Bank with XXXX XXXX who is at fault for the three rejected but corrected transactions. I have asked several times to have them look into this situation. I do n't understand why Capital One would take the time to call me and leave me a message stating that my account would be reactivated if they never intended to unrestrict my account. As well as trying to understand what it is that I did wrong, not only does this look bad on my credit showing closed by creditor but it also makes me look bad in the eyes of the company. When it was already proven that I was not at fault for the banks rejection for possible duplicates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a letter to a collector that I found on my credit report for a debt that I paid and was assured would be deleted YEARS AGO. I sent them a letter asking them to do what they promised when I paid the debt, and delete it. that mail was returned to me because the address was incorrect. so I waited, checked my credit, got the address again, and it is the same. Penn Credit has not reported accurate data. I want this account deleted and I have no idea how to contact them. They've never sent me any mail. I only settled the debt to get it removed from my credit, and it's still there, and no my right to dispute it has been fully removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
To   XXXX   XXXX   XXXX   XXXX   Attn : LEGAL DEPARTMENT   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  , UT  XXXX  cc : Federal Trade Commission Office of Inspector General " Room   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX  , DC   XXXX   Ref. :   XXXX   XXXX   XXXX   Acc #  XXXX  NOTICE TO DISCLOSED DEFAULD DATE AND PROOF THAT STATUS OF LIMITATION HAS NOT EXPIRED This letter is a formal request under Fair Debt Collection Practices Act ( FDCPA ) to   XXXX   XXXX   XXXX   (   XXXX   ) to disclose the following information regarding the loan account #   XXXX   : 1.- Default date of Loan 2.- Proof that status of Limitation has not expire 3.-   XXXX   XXXX   XXXX   as Trustee 's Headquarter address and agents, all information, but no limited.
<P/>
On XX/XX/XXXX  in response to Violation of Statute of Limitation,   XXXX   said Consumer Financial Protection Bureau that it has conferred with   XXXX   and  XXXX  does not agree that the Statute of Limitations for this debt ( account ) has expired, but failed to state the Default Date.   XXXX   XXXX   XXXX   XXXX   has failed and refused to provide the above information since  XXXX .
<P/>
Sincerely,   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX    XXXX , Fl  XXXX  (  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 2020-02-28
Company: Shellpoint Partners, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez became my loan servicer in XX/XX/XXXX ( mortgage was originated in XX/XX/XXXX ). My first payment was due to NewRez in XX/XX/XXXX, which I made. I subsequently made a payment in each of the following months. 

Suddenly in XX/XX/XXXX I was contacted by NewRez to inform me that I am 1 month behind on payments. As I had made a payment is each month, I thought this must be an error. I have called and emailed NewRez a dozen times at this point and can not obtain any clear information. I was able to learn that all the payments that I had made to NewRez were reversed on XX/XX/XXXX and reapplied. One representative told me that their appeared to be an error with the reapplication of the payments, but needed a " supervisor '' to review my account. The supervisor was supposed to call me back, but I have received no such call. Instead I have received several collection calls. 

I mailed an Notice of Error to the address posted on NewRez 's site in hopes of finally getting some information on this matter. If there is anything the CFPB can do to help me, I would welcome the assistance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
My credit report reflects two hard inquiries being made into my credit as follows : 1. Inquiry from XX/XX/XXXX Institution Information Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX 2. Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CO XXXX I never authorized these " hard inquiries '' and have tried to reach out to the above on prior occasions to have the issue rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-12
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 was result of identity theft

Complaint:
Commonwealth Financial Sy stems of  XXXX    XXXX    XXXX ,  XXXX  PA  XXXX  has placed a collection account on my   XXXX   credit file and my  XXXX  credit file. It has resulted in my refinancing of my home to receive a higher interest rate because of their negative posting on my credit file. The debt that they are trying to collect is not mine, it 's a debt for {$120.00} which was supposedly from  XXXX . In  XXXX    XXXX   this same debt was posted by another collection company called  XXXX , this was removed from my credit file because it resulted from my identity theft situation. Now the debt has been transferred to this collection com pany Commonwealth Financial Systems, they have posted this incorrect {$120.00} debt on my credit file without ever contacting me. I tried calling them but got a telephone voicemail system and had  to leave a message for a return call. This company is not doing proper business and its poor and unethical business practice has just cost me a interest rate hike in my refinance process. This is extremely unfair and frustrating as its going to take me about 30 days to complete my dispute with  XXXX . Companies like this should not be allowed to post anything they want to consumers personal files. There was no communication sent to me whatsoever. I would have never known unless I ran my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: EQUIFAX, INC.
State: OH
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 have submitted multiple dispute with Equifax. Equifax is reporting late payments on my credit file for a XXXX XXXX account that was closed and paid in full in XXXX. I have also contacted XXXX XXXX who indicates they have not submitted anything to Equifax. Each time I file a dispute which has been three times, Equifax adds another month to the late payment. This has been devastating and is impacting my credit reputation. I submitted a letter to Equifax asking for written documentation and proof that XXXX XXXX is submitting this information. Equifax will not provide any written documentation and keeps indicating that XXXX XXXX is submitting this information. I have attached written letters and disputes that were mailed to Equifax. I am very concern that Equifax is not accountable for these errors. 

I have attached a follow up letter with XXXX XXXX to show on XX/XX/XXXX they responded after I reached out regarding the late payments posted to my Equifax Credit file on XXXX and XX/XX/XXXX. To date this is the only documentation I have received from XXXX XXXX via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
ftc violatoions XX/XX/2017, the Consumer Finance Protection Bureau filed a lawsuit against XXXX. The CFPB accused XXXX of failing to act in its customers best interests. Among other things, the CFPB charged that XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: M&T BANK CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The brief summary of the complaints are listed below : ( Please see full letter that has been submitted with this online complaint ) :  - M & T Bank indica tes my mortgage loan i s one month behind but M & T  Bank reps are unable to provide month & year the payment was supposedly missed  - M & T bank   indicates unapplied funds associated with the mortgage but unable to provide reason for this issu e - M & T bank 's loan serv  icer "    XXXX   XXXX   XXXX   '' mailed a check for almost {$11000.00} to me in   XX/XX/XXXX .  The reason was unclear. There are severe concerns that  XXXX   XXXX   XXXX  did not process my loan modification correctly.    -M & T Bank mails confusing and conflicting documentation - Request for removal of PMI has not been addressed by M & T Bank - C oncerned that negative information is being incorrectly reported to the  XXXX  credit bureaus - When contacting th e M & T Bank reps, always told mortgage is one month behind, the investigation is ongoing, someone will call with results, etc ... No individual can provide t he answers needed to resolve the issues.   - Decided to cont act M & T Bank Ch airman and CEO along with each of the bank 's regulatory agencies for assistance and resolution of all issues.

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 2017-06-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
To SELECT PORTFOLIO SERVICING INC Attn : LEGAL DEPARTMENT   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  , UT  XXXX  cc : Federal Trade Commission Office of Inspector General " Room  XXXX    XXXX   XXXX   XXXX  .,   XXXX   XXXX  , DC   XXXX    Ref. : Select Portfolio Servicing Acc #  XXXX  NOTICE TO DISCLOSED DEFAULD DATE AND PROOF THAT STATUS OF LIMITATION HAS NOT EXPIRED This letter is a formal request under Fair Debt Collection Practices Act ( FDCPA ) to SELECT PORTFOLIO SERVICING ( SPS ) to disclose the following information regarding the loan account #  XXXX  : 1.- Default date of Loan 2.- Proof that status of Limitation has not expire 3.-   XXXX   XXXX   XXXX   as Trustee 's Headquarter address and agents, all information, but no limited.
<P/>
On XX/XX/XXXX  in response to Violation of Statute of Limitation,   XXXX    said Consumer Financial Protection Bureau that it has conferred with SPS and SPS does not agree that the Statute of Limitations for this debt ( account ) has expired, but failed to state the Default Date. Select Portfolio Service Inc. has failed and refused to provide the above information since  XXXX .
<P/>
Sincerely,   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX , Fl  XXXX  (  XXXX  )  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
I used the AMEX Serve for a cruise with XXXX XXXX I took XX/XX/2020. I deposited XXXX to the card. After the trip the card was charged XXXX but still had holds from the vendor XXXX that equaled the total amount XXXX. I called Amex the day I got back to America with the final charge posted and my complaints about the holds. After informing them XXXX released the holds and it was up to my bank to finalize I was told by the first rep it takes a total 3 business days. After a week of phone calls ( XX/XX/XXXX to XX/XX/XXXX today ) and given different time lines from different reps. XX/XX/XXXX I spoke with XXXX XXXX who said by XX/XX/XXXX {$220.00} funds would be available. Today I was told by a supervisor XXXX XXXX XX/XX/2020 that I would only be receiving XXXX cents by XX/XX/XXXX of my money as the card was in the negative from the pending charges. Not one time did any rep including the supervisor offer to help the situation call the vendor or anything to rectify the issue. They could see what was happening ( supposedly ) but their hands were tied and they  blamed the vendor XXXX for bad timing on canceling holds XXXX already released a week ago. She didn't believe that and I couldn't believe that she tried to blame the vendor when a few seconds before on the phone with another rep they told me its nothing Amex could do to release the holds and it takes them up to 8 business days. What a rip off! Just a week before I had an issue with a declined transaction being deducted from the card only to be told the funds would be returned and never were. They told me they would have a supervisor call me within 2 hrs to find out why they funds that were " on hold '' did not refund. Please what ever you do don't USE AMEX SERVE. Not only was customer service unprofessional, the supervisor told me she would disconnect the phone call if I asked for ID # one more time b/c she already gave me the information. I was livid at this point but was able to get the number ( XXXX XXXX ) is the name. How dare she threaten me when Being a consumer keeps her phones ringing. I explained to her this is stealing and she argued with me I was crazy then she disconnected the phone. I would like my money back asap or help with this matter asap! Another issue I explained was each day a hold was released by Amex doesn't show me on the website or the customer service rep so that they could see clearly what was being held and the final amount that was deducted from the card. That to me is confusing for anybody ( consumer or representative ) and not user friendly what so ever. I also requested an email on several occasions at least stating the conversation that we had but she was unable to do that so what type of help was she giving accept for me to kiss her behind and Amex. Absolutely terrible. Ill stick to my Unsecured and Secured credit cards from here on out. 

Serve.com XXXX Domestic Calls

Company response to consumer: Closed with explanation