BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: WV
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:
XX/XX/XXXX - XXXX - disputed XX/XX/XXXX with CFPB and requested account to be removed as it is a violation of 15 USC 1681 section 602 A, my right to privacy, 15 USC 1681 section 604 A section 2, a consumer reporting agency can not furnish an account with my written instructions and 15 USC 1681c. ( a ) ( 5 ) section, no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes... I am requesting to have the account deleted from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ran a hard Inquiry on my credit without discussion or authorization. I engaged them and they provided an email that says the issue has been resolved, but it is still showing on all my credit reports. I'd like to see the attached document sent to all three credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Santander Consumer USA 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 have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Continental Finance Company, LLC
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 have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: MO
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX. 

5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX XXXX Reported 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 2016-11-17
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Contacted creditor for proof of this debt to validate this is actually my responsibility. Creditor sent me information related to this debt that proves it belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: BARCLAYS BANK DELAWARE
State: DC
Product: Credit card
Issue: Other

Complaint:
The Barclay 's MasterCard card benefits available to me when I signed up this XXXX 2015 contained a 90 day purchase protection warranty up to {$1000.00} per claim. I have the paper documentation to prove this. I purchased about {$1500.00} of merchandise across several receipts ( over several different dates and stores ) that was stolen before the XXXX period expired. I called the number that I was told to call, and filed a report. I was told that my bank had listed the benefit to a max of {$500.00} per claim. That could n't be right, because when I log into my online account and download the PDF of my card 's benefits, it also says the same {$1000.00} max. Later, on a separate call, I was told by the card 's benefit contractor ( XXXX ) that I needed to file separate claims for each receipt containing XXXX items, I spent hours doing so, but that 's fine because it 's worth it to get all my money back. At the very least, they would get the smaller claims paid to while we argued over the cap on the XXXX large claim over {$500.00}. I called Barclay 's, and spoke with XXXX who confirmed that my information was correct -- that the cap was {$1000.00}. She started a conference call with their contractor to tell them the confirmed amount, that I was right, it was for a max of {$1000.00} per claim, which that combined with the other claims would make me whole. However, XXXX at the Contractor contacted me and told me that his colleagues had spoken with Barclay 's and that they had told them that their information, $ XXXX/max was correct, and that no matter what they had told me earlier ( to file separate claims ) they were likely going to combine all the claims I was told to file into XXXX claim, and that if I had a problem with that, I could call the Barclays. As stated above, I told him to look in his file for the call on Monday. Thankfully, they had this three-way call in their notes, but XXXX with XXXX could not tell me who I needed to call or ask for at Barclay 's, meaning I would be in the same runaround. Clearly, someone at Barclay 's is at fault for XXXX team not accurately reporting my benefits to XXXX, and XXXX is at fault for 1 ) not defining the scope of a claim in their card benefits fine print 2 ) fraudulently telling me to file XXXX claims at XXXX time knowing the situation full-well, even though they later told me they might combine into XXXX claim, despite numerous purchases, each under the {$1000.00} limit and XXXX me over in the process out of several hundred dollars. All told, between both of their mistakes, I 'm out around {$1000.00} for purchases that according to all documentation I have ever been provided ( again had this card around 3 months ) I should have reimbursed to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Home Mortgage claims I owe them over {$16000.00} in a " escrow shortage '' for my conventional XXXX XXXX loan. But they refuse to deduct XXXX they got back from the DC Government during my dispute over the amount of taxes owed. They admitted this in a letter of XX/XX/2020 to me ( attached ), saying they got the money, and that DC said this " removed the escrow shortage. '' Yet, they claim there is still a shortage. I want to pay off the loan with a lower-rate loan, but don't want to pay the excess they claim I owe. I have written them repeatedly, but they claim they are as pure as pristine snow, even though they were fined {$3.00} XXXX last year by DOJ for fraudulent accounts. I think mine is a repeat.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Application processing delay

Complaint:
Applied for a lowes credit card on XXXX XXXX 2015 and was not approved online. I filed a complaint with the XXXX against Lowes and was contacted by Lowes executive department. They said that they would contact the bank and said that synchrony would contact me within 30 days. Nearly a month passed by and I heard nothing I was supposed to get a response from lowes in regards to my credit application within 7-10 days but I did not hear anything from them until the XXXX of XXXX. They declined my application but the issue was that it to them more than 2 weeks just to tell me that. And the biggest issue here is that when the denied me they provided me with my credit score which they stated according to XXXX was a XXXX on XXXX XXXX. That is incorrect and wrong that XXXX would report a lower credit score to decline an application. I have verified through credit karma and credit tracker through my current score is in the high XXXX 's around XXXX according to XXXX. I asked the Lowes executive office numerous times that they need to get a response from synchrony and I did not hear anything from them until last week when I got a letter in the mail that had my correct address on it but the time stamp blacked out in crayon in the front and back. It is very suspicious that they would do something like this and falsely report my credit score nearly XXXX points lower than what it actually is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I would like to file a complaint against Walmart I was issued a credit card with a {$500.00} limit and I had some financial issues and made a few late payments, and not the full amount, but always paid, then when I was all caught up and paying steadily on time they reduced my credit line without any notice at all so as I was paying down my balance they were taking it away which also affects my credit score when I called to ask about this with customer service they were very rude and basically said that what I get for paying late ... I would not only like to file a complaint but I 'd lilke my credit line to be returned to where it was when I started because i 'm still paying interest on the full credit line not my balance this is not right and Walmart should not be allowed to do this to people i 'm sure i 'm not the only one they have done this to ... 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hi, my name is XXXX XXXX. I live in XXXX XXXX, CA. My address is XXXX XXXX XXXX XXXX XXXX, CA XXXX. My servicer is now Select Portfolio Servicing , Inc. ( SPS ). 
I 'm currently attempting to work out a loan modification option with SPS. I 've been trying since XX/XX/XXXX. Now it 's XX/XX/XXXX and I still do not have an answer to my loan modification request. I do n't know how long this usually takes but to me this seems very unusual to have this process take so long. Every time I give them documents they always ask for more and it seems like no matter how much documents I give them it 's still not enough for them. I do n't know what to do anymore as my home is put on a foreclosure sale which is scheduled for XXXX XXXX, XXXX. 
I 'm very worried that by that sale date I still will not have a loan modification approved on my loan. I would greatly appreciate it if your company will look into why this is going on and when I will be able to get a loan modification on my home. 
Thank you kindly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They have called XXXX times since the first of the year. It is a robocall and they want you to call them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX FOR {$930.00}??? HOW? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Wednesday the XXXX of XXXX I deposited a XXXX dollar cashier check from my tax refund at bank of America. I was told my money would have a hold but I would have XXXX available on the XXXX of XXXX and the rest on the XXXX. On the XXXX I check my account and the money has a longer hold now until the XXXX af XXXX with nothing available before then. I called the bank on the XXXX of XXXX spoke to a customer service and they said the hold was correct and unfortunately even though I was told different there was nothing to be done. They also informed me the hold could be move further up and they can hold my fund for longer than the XXXX of 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 2016-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates LLC is a debt collection agency principally located in XXXX, VA, however, in a response to my request dated XXXX XXXX, 2016, for them to remove their collection account from my credit report as it counts as twice for the same debt in violation of the FCRA, they refused to remove their information and misrepresented themselves as a " creditor '' in violation of FDCPA Section 807 ( 11 ). This statute provides that debt collectors are liable for statutory damages of up to {$1000.00} if they are in violation of this section regardless of intent. After my most recent response to remove this collection account a month ago XXXX prior to XXXX XXXX, 2016, they have failed to respond in the least and continue to remain on my credit reports. 

Further, Original Creditor charged off {$810.00} and PRA LLC is attempting to collect at least {$980.00}, a {$170.00} difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizens One failed to process a change of insurance that was submitted via XXXX back in XXXX or XXXX. XXXX billed me via my auto insurance policy after 2 months of not receiving payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. 

I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s.

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 


I intend to follow through with the suit if I do not hear back from you within 15 days.

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