BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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:
Pursuant to 15 USC 1692 ( a ) Portfolio Recovery Associates used abusive practices in regards to acquiring my personal information as I have not opened an account with them nor did I give written consent to have my information. Portfolio Recovery Associates also violated 15 USC 1692j ( A ) because PORTFOLIO RECOVERY ASSOCIATES have contacted me in the past numerous times posing as a debt collector to collect debt from me, the consumer. Also 15 USC 1692g ( b ), this " alleged collector '' has failed to provide me with PHYSICAL proof showing my ORIGINAL contract with the ORIGINAL CREDITOR containing my signature. Portfolio Recovery Associates sent me a copy of an " alleged statement '' stating that it was verification. This does not contain original documentation nor does it contain my signature. My personal information was not permitted in writing by me, the consumer, stating that Portfolio Recovery Associates can retrieve my personal info which is fraud, which is a violation of 15 USC 1681b ( 2 ) which states that I have to give written instruction for my consumer report to be disbursed. This account is on all 3 of my credit porting agencies, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Hello, I have been working hard to correct some inaccuracies on my credit report, and after contacting the credit bureaus in the past and recently in the last few months Equifax continues to ignore me. I have received No response after 30 days and balance is not even on the creditor 's system because it was discharged, XXXX was sent, and I paid taxes. Equifax is misreporting it because they want to charge the credit or money for premiums every month. What another explanation is there because they ignore me completely. This is very scary! If this is happening to me. Who else is being affected? I have kids and am trying to just get into a home this year before rates go up, and I 'm getting this treatment. I paid my dues on the items in the letters attached. For XXXX of the accounts I received XXXX 's and did the right thing to pay taxes on the entire balance, and the creditor stated my obligation is done with them. Yes, Equifax XXXX the account and the re-reported the balance and dropped the score. Please help!! I know I 'm just one person, but I do n't want just to give up. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
THESE LISTED ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME, SOMEONE USED MY INFORMATION TO FRAUDULENTLY OPEN LISTED ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT.

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 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person. ''

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 2022-09-17
Company: EQUIFAX, INC.
State: GA
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:
I am a natural person, I am a living human being, I have rights under 15 USC1681. 

Equifax is govern by 15 USC1681. And they violated my rights numerous of time I demand the accounts listed below be remove because According to 15 USC1681 : I have the rights to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with the servicer of my second mortgage since XX/XX/2016. They have requested the same documents over and over. I have submitted everything that they asked for with no results. I am not trying to avoid paying the debt. I just want some relief as far as the interest rate ; 9.375

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 2022-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
First, I want to start by saying this has been the biggest nightmare trying to resolve the issue and get my finances and life back on track as far as opening a new bank account & defending my position through all of this. Along with being wrongfully accused and having no answers up until this point of reading articles about this case with Bank of America. 

The first letter received from XXXX XXXX in reference to my account closure was on XX/XX/XXXX, XXXX To sum everything up XXXX XXXX received a FRAUD claim from Bank Of America regarding multiple deposits from unemployment insurance ( XXXX ) all issued in my name and finally settled on seizing {$5300.00} from my checking account. They froze both of my accounts at the time during investigation for the duration of 14 days as well as my savings account and my grandparents whom I was listed as a beneficiary on. They then decided that all of our accounts were to be closed indefinitely all while any automatic deposits being made to the accounts would be frozen-as well and any funds, checks included- would bounce.. in which they did. 

XXXX XXXX nor South Carolina Unemployment - could not provide me with any information as to why this was happening or even who submitted the fraudulent claim as once an account is marked as fraudulent its out of their hands and could only tell me the claim was made by Bank of America, that the XXXX deposits were unauthorized and to contact SC DEW ( unemployment ) department directly. SC DEW department also had no answers for me as my account was always in good standing and they hadnt heard of anyone experiencing this- to the point they even suggested I be sure it was in fact XXXX XXXX contacting me and not a scam. 

In conclusion, XXXX XXXX closed all of the accounts and sent my grandparents a cashiers check with a letter of final closure as well as myself with a closure letter and notice of the final amount of {$5300.00} being seized and sent to Loss Prevention Closing Entry I even had to pay taxes on the full unemployment amount due to not having evidence it was in fact seized on behalf of SC DEW.

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 2020-11-11
Company: Experian Information Solutions Inc.
State: NC
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've disputed with XXXX  to have 2 late payments removed from my account with Experian or any credit reporting agency filing a complaint thru CFPB on XX/XX/2020 Bridgecrest had agreed to remove the late payments due to me being affected by Covid-19, the investigation thru CFPB which was closed on XX/XX/2020 with XXXX  has stated that the items should be removed byt the credit bureaus have let the items remain

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 2022-03-22
Company: INTERCONTINENTAL CAPITAL GROUP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, My wife and I refinanced our home through 'Intercontinental Capital Group ' ( ICG ), and were told that the loan had been posted on XX/XX/31, and our signed Closing disclosure stated that the disbursement date would be XX/XX/31. 

Turns out, the wire was posted and cleared on XX/XX/31 by ICG, but it only was received by our previous lender XXXX XXXX XXXX on XXXX, resulting in a delinquency being reported on our credit scores, dropping our high 700s credit scores XXXX points, at no fault of our own. 

We have never missed a payment on our mortgage and were told repeatedly by ICG that we didn't need to pay for XXXX as they had taken care of it. We could have easily paid if informed of this level of risk, but we were advised not to worry about it. This doesn't seem wholly fair as we had expected it to clear on XX/XX/31, and this happened entirely out of our control and yet we're the ones being penalized. 
The other parties involved with our refinance were XXXX XXXX XXXX ' and XXXX & XXXX XXXX XXXX XXXX 

Attached are the signed closing disclosure, reimbursement ledger, proof of wire, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Opened XXXX XXXX Online card relatively 6 months ago to help improve credit rating. Was immediately approved with a {$600.00} credit limit. Always spent under {$250.00} and all payments made on time. Today without warning my credit line was reduced to {$230.00} with {$8.00} available to spend which increased my utilization percentage and card almost maxed out. I called XXXX Bank/Amazon to get an explanation and was told a letter would be mailed to my address and that it was a business decision after review of my account and credit report. My credit score dropped XXXX points today of which they are a part of that point lose. They have hurt my credit as opposed to helping it without warning or great explanation. I closed the account and was informed I still need to make on time payments and the card could not reopened once closed. This bank is doing more harm than good to helping consumers the reason I had opened the account. They have dropped my score instead of raised it. This matter needs to be addressed.

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 2016-10-09
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
Last month I paid my credit card in full but when I scheduled the bank withdrawal by mistake I scheduled two payments for the same amount. The amount paid was the full balance for that month. When I realized that I paid twice, I called the credit card to let them know that I mistakenly paid twice. They said that they will credit back one of the payments, they did. The problem that I have is that the payment that was not retuned to my bank account has not been credited back to the credit card either. I called to ask why this payment was not credit yet. The explanation they gave me was that the money was returned to my account so they have to charge me again, which I do n't understand why. As today it appears that I still own the credit card what I already paid. I do n't understand their statement because it does not reflect that I actually paid. What are my options? I do n't understand how they are making my payment disappear? I like to mention that I pay all my charges at the end of each billing cycle to avoid this kind of problems.

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 2020-11-11
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I had an account with payPal and was using it for XXXX  transaction. I sold my PC and received {$380.00}. Paypal shut down my account without any explanation and freezed my money. There is no any help from them and any explanations. I can not get my money for PC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On or about XX/XX/2021, I wrote a letter to XXXX, XXXX and TransUnion, requesting they investigate the overabundant unauthorized and unknown inquiries listed on my credit report. I asked this investigation be conducted in a timely manner, and to provide me with the results of the investigation, specifically the person ( s ) who initiated the credit inquiries where authorized and provide me with a copy of the authorization which they received to inquire upon my credit. I believe the numerous inquiries were of a result of a electronic breach at XXXX, XXXX and TransUnion, wherein my credit profile was compromised, I have received notification from each credit bureau that a breach did occur, and I believe as a result of this breach my credit profile was accessed causing unauthorized inquiries, in attempt to obtain credit under my name.

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 2020-03-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 I received a call from Portfolio Recovery Associates, LLC. I was told by their representative that they would take a one time payment of {$3000.00} to settle a past due credit card debt ordinally owed by XXXX XXXX ( USA ) that they were collecting on behalf of. ( The original total balance was {$5800.00} ). I asked them if they could send me proof that if I paid the {$3000.00} it would completely satisfy the debt. The representative told me they would mail me a PAID IN FULL notice and delete the negative information from my credit file and assured me we were on a " recorded '' line which would serve as proof of the offer. I made the {$3000.00} payment under these terms but instead of a paid in full letter I received a bill for the balance, {$2800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: CITIZENS FINANCIAL GROUP, INC.
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:
To Whom it may concern, Thank you for your response on XX/XX/2022 addressing my dispute of a credit inquiry I did not authorize on XX/XX/2022 at XXXX XXXX XXXX XXXX. Thank you for revealing your source of how you obtained my credit information. However in accordance with the law 15 USC 168b : Permissible purpose of consumer reports include : employment, insurance, CREDIT, gov charge cards, child support, ext. Company MUST prove they had your permission! 
The Fair Credit Report Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of the application electronically or physical authorizing the disclosure of credit files with my signature, I will accept the inquiry. If a signed authorization electronic or physical can not be found please remove the inquiry from the main credit bureaus XXXX. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or letter indicating your intention to delete the inquiry. 
Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had a mortgage with a company named XXXX acct. # XXXX. We have an approved loan modification with them. They sold the mortgage to a company named PHH Mortgage. PHH is not accepting the loan modification. They sent us a check for the amount of our first trial payment to XXXX. XXXX cashed our check for the first payment.We are attaching a copy of that check as we have not deposited it as we are not accepting it. Why would XXXX cash our check for the payment then sell the mortgage and the new company not accept the terms of the modification. We have filed a complaint on XXXX # XXXX.We are now filing this complaint on PHH Mortgage . We are not acceptiong the check from PHH as we have an approved modification plan and have complied as the terms specified. We have sent our second payment to PHH as specified by XXXX. They still have not cashed our check which we have a signed receipt that they received it on XX/XX/2016. PHH Mortgage has sent numerous letters ( approx. XXXX letters ) of impending foreclosure, this is very stressful to say the least. It is harassment to spend as much on trying to straighten this out and get nowhere. I have many hours on this that I could be working to make money to pay the mortgage. CFPB guideline are being ignored in this. My wife 's health has been affected as well as mine. My business has suffered as I am spending hours on this. I the new PHH Mortgage account # XXXX. I am attaching the signed and approved loan modification, a copy of our check to XXXX for the first trial payment XX/XX/XXXX, a copy of our check to PHH Mortgage for our second trial payment due XX/XX/XXXX they received XX/XX/XXXX, letter from XXXX saying to make payments to PHH Mortgage which is also Mortgage Services I guess. Sending letters from PHH threatening foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: PHH Mortgage Services Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The home at XXXX XXXX XXXX XXXX, XXXX, TX XXXX is part of the XXXX XXXX XXXX XXXX XXXX. The owner became past due on his assessments but then passed away in XXXX 2015. I am the XXXX and notified the mortgage company, PHH Mortgage Corporation of his death in XXXX 2015 after finding that his children did not plan to take the home. I have been in touch with PHH Mortgage at least monthly but as often as weekly to voice the Board of Director 's, neighbor 's, and my concerns about the home as the water has been turned off so the yard/trees are dead and there are rats in the overgrown vegetation/empty house. In every correspondence, I have have requested that they expedite foreclosure as obviously the deceased is not going to be making payments. The house 's condition has continued to decline. The XXXX has started baiting the house for rats, we have spent close to {$900.00} so far in treatments. We have also started mowing the lawn. We can not water the lawn or help with the foundation that is cracking. There are stones falling off the home because of the foundation 's condition. This home is in a very affluent neighborhood XXXX. The house would sell very quickly as all the homes in this community do. This home is on XXXX the larger lots. I have explained all this to the mortgage company. The owner passed away over 1 year ago. The XXXX is now owed {$12000.00} post bankruptcy on this home. The other owners are paying for the demise of this home not only with their assessments but with their property values.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: TRUIST FINANCIAL CORPORATION
State: SC
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  has inaccurate information regarding a checking g account I use to have with BB & T 4 years ago. 
Ive talked to them and sent all the documents that show proof. XXXX   reported : suspected fraud activity on my old BB & T checking account which is completely false. 
This is consider SLANDER in America!! 
They need to take this inaccurate information off my credit report IMMEDIATELY! 
What can I do? 
Thanks

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 2017-06-01
Company: Experian Information Solutions 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 status incorrect

Complaint:
This is reference to complaint  XXXX ,   XXXX   and  XXXX . This account from Office of Attorney General is reporting incorrectly. I have paid every month as agreed. The agreed monthly amount has been coming directly out of my check. However it is being reported delinquent when it is not. All months starting from  XX/XX/XXXX  to current needs to be noted and reported as paid as agreed each of these months. Even though I am paying monthly, which is being directly taken out of my check. OAG is still reporting delinquent each month. That is incorrect and unfair. OAG is reporting delinquent each month vs paid each month.

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