BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have spent XXXX $ already trying to resolve a billing dispute of XXXX $ that was resolved on both ends but not honored. I sent certified mail for a billing dispute through Macys fraud form which there support sent me, and was told thats not the correct way to report what happened then had to send proof that they did not send me the billing adjustment through a fax it is now close to three months later no dispute resolved. The fax i sent all the way from XX/XX/XXXX, and certified mail XX/XX/XXXX. This issue was addressed repeatedly with Macys credit card department all the way 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 2019-07-24
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Freedom Mortgage has failed to report the correct loan # XXXX status which was paid-off back in XX/XX/2019. I will attach the latest credit report which was generated today XX/XX/2019. 

All I am asking for is for Freedom Mortgage to report my loan status correctly and it is being ignored again XXXX  months now and still not reported correctly.

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 2017-10-20
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been going through a loan modification through the XXXX XXXX XXXX XXXX and my mortgage company Freedom Mortgage. We had struck a deal with the mortgage company to modify my payments since I was going through a divorce, and I sent the XXXX XXXX XXXX XXXX money ( I have receipts ) to help. It has been about 9 months now and I just received my Sheriff 's Sale notice. I have been calling the XXXX XXXX XXXX XXXX for the past week with no response. I called today my mortgage company and they have said they last contacted them in XXXX 2017.

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 2017-10-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery Associates is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that XXXX XXXX charged off 4 years ago. Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XX/XX/XXXX when it charged off at the end of XX/XX/XXXX. I complained to XXXX XXXX  about a charge and they did n't respond and it led to a charge off. The account is also duplicated. XXXX XXXX is also reporting the account. That means there are 3 violations due to a single trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was subscribed to the Equifax XXXX XXXX plan credit monitoring service. I chose to cancel this membership due to the fact that my personal information was compromised during a security breach at Equifax. I feel that I should not pay for a service that is suppose to protect me from these type of events, if the company providing the service can not protect my information. So I chose to cancel. My credit card was billed on XXXX/XXXX/XXXX and I cancelled my service on XXXX/XXXX/XXXX. Equifax refuses to refund my payment which was for a full month of service, even though It was only used for 1 day. That is not ethical for a company to charge you for services they never provided. That is basically stealing. Equifax has refused to return my money, and have no valid reason why they can not refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: AES/PHEAA
State: LA
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:
I am trying my best to be patient. However, I do not like having to payout all my income to others. I would greatly appreciate if you all would use your job to actually help others and not monopolize on trying to keep a vast majority indebted to you and others by being slow to update important and good information. I am starting to think you all may get a thrill from antagonizing others?? ..By you all going ahead and doing your job for the betterment of others, it can assist in making the American dream a reality. I've already assisted many teachers whom taught me many things that I'll probably never use. However, I don't mind helping others. I would appreciate if you would do the same. It has taken me a while to get to where I can continue my endeavors of paying it forwards and backwards in a monetary fashion. It has been many challenges that I have had to overcome. Some where brought on by my own ignorance and nieveness and at other times, to put it simply, it wasn't me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: CAINE & WEINER COMPANY, INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They said I owed more than I do!!! And then after they stop picking up my they give me a Service interrupt charge of {$35.00}, and didn't start my service back!!!! Charge me {$35.00} if you are continuing services but not if you stop!!!! I have several letters from them and there's nothing about a back payments being missed!!! Until after they cut me off!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The XXXX XXXX XXXX account that is reporting on my credit report is incomplete. There is no payment information listed on the credit report between XX/XX/XXXX when I allegedly opened the account to XX/XX/XXXX. Yet Equifax is reporting that the account was 30 days late in XX/XX/XXXX. There is no payment information listed on my credit report between the periods of XX/XX/XXXX and XX/XX/XXXX. Equifax is reporting that the account went into a charged off status in XX/XX/XXXX and that is false. 
There is no payment information listed between XX/XX/XXXX to now on the account. 
The account is in complete and under the Fair Credit Reporting Act, if an account is incomplete then it shpuld be deleted from the person 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXviolated 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. 
Also this collection was Removed/Deleted from my account XXXX. XXXX, XXXX because I was a victim of the XXXX pandemic earlier during the time so I was jobless and homeless

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 2022-06-09
Company: FUTURE FINANCE COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries reported on my credit report that I did not give consent for any of those lenders to run my credit this is fraud XXXX XXXX XXXX FUTURE FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I received a notice stating that my Income-Based Repayment ( IBR ) plan was approved for {$300.00}. This is over a {$50.00} increase from last year. The year before ( 2016 ),  my payments increased by about {$100.00}. I am making a complaint because last year a XXXX representative told me that my IBR was calculated using my gross income instead of my adjusted gross income. When I called today, the representative ( XXXX ) gave me a formula that was used to calculate my IBR payment. I asked him to e-mail the formula to me ( I wanted to do the calculation myself and could n't remember all parts of the formula ) but instead he e-mailed me information about PSLF. I think XXXX is miscalculating IBR payments, and I do n't think they 're being consistent in providing information on how IBR payments are being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
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. 

The XXXX Credit Bureau is reporting inaccurate information on CONVERGENT OUTSOURCING ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal 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 2019-09-10
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this due to non-compliance with the Experian. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2017-12-23
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX illegally took from my bank account at XXXX XXXX bank {$1800.00} on XXXX XXXX, XXXX. They did not notify me ahead of time of the action taken and if I did have the right to dispute the money taken from my bank account. Also, I never received any legal order before XXXX XXXX XXXX taking the money. The money that they took from my bank account had been recently deposited from the social security because I recently came XXXX due to a XXXX XXXX. XXXX XXXX XXXX not only has affected me economically leaving my bank account in {$0.00} but also has affected my health. Since I have been having a very difficult situation for several years. I tried to solve the issue calling them several times as well as XXXX XXXX bank, even going on person but all they did was laugh at my requests. Please take action as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-23
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had a fraud charge on my discover card in XXXX the credit card company determined that the charge was fraud and said they would take it off. There was another series of charges and credits but they still did not fix the original charge. In XXXX the credit card company charged this to my card again. I called to have it resolved they said it was there fault but then charged my card with two more times with a fraud charge. I called them again and they again said it was there mistake and they would fix it. They give me a credit for the two new charges but still did not credit the original charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Evergreen Recovery Solutions, LLC
State: LA
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:
I am trying my best to be patient. However, I do not like having to payout all my income to others. I would greatly appreciate if you all would use your job to actually help others and not monopolize on trying to keep a vast majority indebted to you and others by being slow to update important and good information. I am starting to think you all may get a thrill from antagonizing others?? ..By you all going ahead and doing your job for the betterment of others, it can assist in making the American dream a reality. I've already assisted many teachers whom taught me many things that I'll probably never use. However, I don't mind helping others. I would appreciate if you would do the same. It has taken me a while to get to where I can continue my endeavors of paying it forwards and backwards in a monetary fashion. It has been many challenges that I have had to overcome. Some where brought on by my own ignorance and nieveness and at other times, to put it simply, it wasn't me.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-28
Company: PLANET HOME LENDING, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Last year I was out of work due to XXXX. I fell two months behind on my rent. XX/XX/XXXX, I sent in a payment that was returned on XX/XX/XXXX. This caused my account to be over 90 days late. I contacted my loan servicer, Planet Home Lending, to discuss this problem. I was transferred to XXXX in their mitigation department. She told me that I needed to set up a payment arrangement. She suggested {$1200.00} per month to which I agreed. She told me that she would have to clear it with her manager. After calling her for over a week, I finally reached her only to be told that the arrangement was denied by her manager. I was also told that foreclosure arrangements had been started. I asked her why was I denied and she told me that I was denied due to not making enough money. I requested a expence sheet, filled it out, submitted it to PLH, and was approved for a payment arrangement for {$1400.00} per month. After two payments, I was given a sell date for my house. At that point, I borrowed money to bring my account current as of XX/XX/XXXX. Now my credit report shows preforeclosure, 120 days late. I have been denied credit opportunities. PLH now say I owe them over {$2700.00} for legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX is a digital app on iphone that provides personal lines of credit. I have used them for about 1 year. I had a 100 % payment history until XX/XX/XXXX when their app had technical issues and it disconnected my bank account information from the autopay settings that were established. There was no notification of this disconnection until I tried logging into the app and I couldnt because it was having issues. I tried contacting them and no one responded for weeks. I even tried calling them, but they do not have a live costumer support service. It is all through email on their website. After a couple of weeks I finally received a response and was provided a link to make a one-time payment. I did this on XX/XX/XXXX. I advised them I was worried that the technical issues with the app would cause a payment delay because the auto-pay wasnt working and I asked them not to report any late payment to the credit bureau XXXX I paid them on XXXX XXXX. We'll on XX/XX/XXXX and XX/XX/XXXX of XXXX I logged into XXXX XXXX and found that they did report negative payment history to the credit bureau and it tanked my score by over XXXX points. I have noticed on their XXXX page that multiple people have had issues contacting this company and getting timely responses ; I am not the only one. How is this fair? Their app is the one that had technical issues and destroyed my 100 % payment history. Also, how can the US government think it is fair to allow companies that do not have live customer service operations to be able to report to the 3 credit bureaus. If you cant talk to someone live in person to help on an issue, and the best you can do is try to get ahold of someone thru email with a very questionable response rate, how is that right? I am trying to find a new apartment right now for me and my XXXX XXXX XXXX son. I need good credit to get a good apartment. This company just destroyed that!

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 2017-09-12
Company: CULLEN/FROST BANKERS, 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: Account information incorrect

Complaint:
Frost Bank continues to incorrectly list a deposit account that is overdrawn on my personal credit report XXXX file attached ). They also list the account as an loan with monthly payments. This seems to be a dirty trick to try to get me to pay a debt I have already disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX Account # 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

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 2022-06-09
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: Account information incorrect

Complaint:
My XXXX XXXXXXXX acc reporting wrong info the open dates are wrong acc status one report says closed the other says paid date late one says XX/XX/XXXX the other says XX/XX/XXXX XXXX XXXX  Date open XX/XX/XXXX the other XX/XX/XXXX balance XXXX the other says XXXX past due XXXX the other XXXX last reported XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX the other XX/XX/XXXX XXXX XXXX Date open XX/XX/XXXX XX/XX/XXXX high credit XXXX the other say XXXX last reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX date of last payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  Date open XX/XX/XXXX XX/XX/XXXX high credit XXXX the other XXXX credit limit XXXX XXXX last reported XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX Date of last payment XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation