BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: Home Point Financial Corporation
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold by Home Point Financial ( XXXX ) to XXXX XXXX ( XXXX ). Somehow my mortgage balance owed jumped from $ XXXX to $ XXXX. Based on the documentation that I am submitting, you will find that basic math will support that this is either an impossibility or something fraudulent is going on. 

As of a statement from XX/XX/XXXX, my principal balance was {$130000.00} A second random statement from XX/XX/XXXX, my principal balance was {$130000.00} A third random statement from XX/XX/XXXX, my principal balance was {$130000.00} Even my ending principal balance ( according to my XXXX XXXX XXXX ( XXXX ) was {$130000.00}. 

So how is it that I now have received a XXXX XXXX  XXXX with a principal balance of {$130000.00}, and a XX/XX/XXXX statement reflecting an Outstanding principal balance of {$130000.00} Please help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Discover Card. This morning I tried to contact Discover regarding a Dispute I have ongoing. When I called I was told I will need to purchase a new phone. I was then told someone would call me back ( rather then wait on line ) and was told that would be 16-24 minutes from my call. It is now more then 30 minutes and I still have not received a call back and can not reach Discover. Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Midwest Recovery Systems
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2019 it says that I applied for a loan and bows it went to collections. The amount is XXXX I never applied for the loan. Someone stole my social security number and are using my name. I want this to stopped now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I tried to charge some golf stuff and my card was declined. When I got home I called the company and they said it was stopped because of non payment. They told me I had to give her the information on file of my account so I did and everything was in order. She apologized and fixed the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Received a XXXX XXXX in the mail that I did not appy for. When I called the number, its asks for my full social security number. Seems like a scam.

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 2017-08-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I pulled my credit report in hopes of making a purchase and realized there were accounts that were opened in my name that I did NOT open! My car was broken into and wallet was stolen, this is a case of fraud and 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 2017-08-18
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: Information belongs to someone else

Complaint:
I pulled my credit report to make a vehicle purchase and noticed several accounts that were opened under my name without my knowledge. This is fraudulent accounts that I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: FL
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: CA
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:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND LATE PAYMENTS from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Terrill Outsourcing Group
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Got a phone call on XX/XX/XXXX around XXXX from XXXX demanding my name address social number etc upfront without trying to tell me the reason for the call.finally got a name from them and reason and I did not refuse to pay said debt which is said to be lower than is whats on my credit which through a flag and then told me a different finance company than I signed with then proceed to threaten me me if I didnt set up a payment right then through bank draft that they were going to take legal action especially when I told them Ive never received anything in writing from them stating what I owed etc.funny that I just got a letter stating that said finance company just sold the loan to XXXX  in XXXX ha but getting a call from California the very next day being threatened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an identity theft alert. An impersonator was using my personal information to apply for an apartment lease. I received the debt of application fees for this fraudulent act. Date of occurrence : XX/XX/2021, original creditor : XXXX XXXX 2, Amount Billed : {$150.00}. I received the notification from Columbia Debt Recovery of this false charge on a letter dated XX/XX/2021. I also received a letter notification of Columbia Debt Recovery 's request of proof to better investigate this crime on XX/XX/2021. This actually informed me of the option to file a complaint with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Diversified Consultants, Inc.
State: CO
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:
In XXXX of XXXX  I received a call from diversified consultants, claiming I owed {$140.00}. I explained to them I just got back from XXXX and they said my balance was XXXX and I had returned all equipment. I also explained I wasnt in any contract with XXXX to owe any money, it was a no term agreement. In which I never provided my social security number to obtain any type of credit. The representative I spoke with at diversified said since my social security number was not provided it would not be reported to my credit report. She stated she would mark as a dispute, and provide me validation or verification of the debt before they proceeded any further. 
On XX/XX/2018, I received notice from XXXX that there was a collection for {$140.00} reported. I was highly upset! I have worked for the past 6 years to obtain a XXXX FICO, and was misinformed by this company. When I called back I spoke with a rep I inquired on how my social was obtained she stated it was in the contract with XXXX, which I knew was untrue, because XXXX verified it wasnt. I also explained that this was resolved directly with XXXX and that they needed to remove collection from my XXXX   bureau and not report anything to my credit bureaus going further, they refused stating they cant remove anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26
Company: EQUIFAX, INC.
State: MO
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:
This is an inquiry that's on my credit report inwhich I have no knowledge of and I tried to get these frivolous inquires removed to no prevail. I'm respectfully requesting documented proof, or please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Federal Credit Union has stolen my money, blocked my account, refused my refunds, and blocked all contact with me while stealing my money in retailation for me filing complaints of XXXX  to their company. They refused to acknowledge my complaints but deny me services. The last time I filed this complaint they BRIBED me with {$100.00} cash saying they would investigate but didn't. They reversed a XXXX fraudulent charge on my account while refusing to acknowledge my other disputes. They have deliberately withheld my direct deposits saying I was moved " to a different batch '' which is based on my XXXX. They have name calling me on the phone, laughed at me, called me a liar and shamed me based on my race and is now stealing my money and blocking me from talking to them in any form. They only sent me a form letter with no name or contact person on it! ( see attached ) This is harassment and illegal because it is based on my race witch has exasperated my XXXX, shamed me as a person, caused me extreme XXXX suffering and duress. Please help me get my money back so as a veteran living with XXXX I can get loose from the crippling XXXX grips of Navy Federal Credit Union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
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: Their investigation did not fix an error on your report

Complaint:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XX/XX/XXXX {$0.00}. XXXX : XXXX XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax makes the process to obtain our free credit report deliberately so difficult it is practically impossible to do so, after 5 attempts, I finally received a notice saying online delivery was not available. No options of contacting them was given. 

I will submit the paperwork to obtain my report via mail which I assume will take 4-5 weeks to be processed also putting my personal information at risk. 

The federal government should hold them financially accountable for not living up to their promises in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: NY
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 contacted all three credit bureaus ( XXXX, Equifax , & XXXX  ) several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) via certified mail letters disputing errors on my credit report. The one in specific that I'm complaining about is XXXX XXXX XXXX XXXX. It is listed as a joint account under me and my wife name. This account does not belong to us. The credit bureaus has only sent responses saying it was valid/verified with no documentation bearing our signatures. I have also reached out to XXXX XXXX XXXX XXXX for validation ( XX/XX/XXXX & XX/XX/XXXX ) and they sent a generic letter that it was valid and another saying we didn't provide them with enough information, when we did. This is causing emotional distress and making it difficult for us to get approved for a mortgage. We need assistance with getting this off both of our credit reports as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: CCS Financial Services, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX sent me a bill for {$1200.00}. Bill was due on XX/XX/XXXX. I paid in 2 parts directly via e-banking from my banking account. Paid {$650.00} on XX/XX/XXXX and {$570.00}. XXXX 's system is inept. 
I spoke with XXXX on XX/XX/XXXX at XXXX XXXX. She said she would review and clear the debt. I also filed the documents via their XXXX and XXXX. 
XXXX sent me to debt collection. I spoke with XXXX on XX/XX/XXXX at XXXX am XXXX. He told me to send in the documents. I have sent the documents. 
This is harassment. I have paid my bill. Their system is inept. Why is my credit be affected. Please help. 
Credit Collection Services - XXXX Thank you. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: MarkOne Holdings, LLC
State: FL
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 received my 3 credit report and there are some inquires that are listed on it that NOT mine.. I contacted XXXX several of times. With contacting them they told me that I needed to contact every creditor on my report and obtain a letter of the deletion. Everyone that I contact advised me to dispute with XXXX repeatedly. Okay I contact ALL of the inquires that did n't belong to me. Have contacted XXXX so many times to address the situation and it has n't been address.. I was advised by a XXXX US supervisor to go to my local police department and file a report. Which I 've taken the proper steps to get this removed. I just need this inquires removed this hurting my credit BADLY. It very emotion draining for myself, what I 'm trying to do with my life. I listed the following things : XXXX XXXX XXXX XXXX XXXX- ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX - ( XXXX ) -XX/XX/XXXX XXXX XXXX - ( XXXX XXXX )XX/XX/XXXX XXXX XXXX- ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX- ( XXXX ) - XX/XX/XXXX XXXX- ( XXXX ) XX/XX/XXXX I also contact MarkOne as a financial company that I was using for a car I got. I volunteer return the car due mechanical trouble from day 1.. I stated that to the company and they said they are n't responsible for all of that. It was too much paying for the car and getting the car repair. I talked to the dealer was n't any help after WEEK 1. this is showing negative on my and mother credit and I need this off. because they no have the account anymore. But I did everything we are suppose to do make it and resolve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
Equifax grossly mishandled my personal information and the personal information over over 100 million other Americans. Their inability to properly secure this information has left us all vulnerable to identity  theft and other forms of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: CA
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 have paid both XXXX XXXX XXXX credit card and balances are XXXX. XXXX 

CREDIT INQUIRY BY XXXX AND XXXX XXXX XXXX AND SUCH INQUIRIES MUST BE DELETED PRIOR TO FILING FCRA LAWSUIT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX OTHER has violated my rights. 

15 U.S.C 1681 Section 602 A. States that 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 furniture an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX OTHER has violated my rights. 

15 U.S.C 1681 Section 602 A. States that 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 furniture an 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 2017-08-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Syncrony keeps randomly locking my business credit card. The last time they received a payment and would not unlock my company credit card for several days even after they took my money for the full payment. They also on my personal credit card have non approved charges from a scam company that they will not remove and keep charging us for. Please stop these scammers.

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 2022-07-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/2022 I SENT OUT A VERIFICATION LETTER AND A VALIDATION LETTER AND THEY SENT BACK LETTER ON XX/XX/2022 STATING THAT THEY CLIENT HAD VERIFIED IT WITH THE CLIENT AD SENT A BILL AS VERIFICATION .... ON XX/XX/2022 I SENT A LETTER ASKING THEM TO PROVIDE ME METHOD THEY USED TO VERIFY ..... I ALSO ASKED FOR THEM TO SEND ME ALL DOCUMENTATION WITH MY SIGNATURE ON IT ... .... AND THEY CONTINUE TO SEND THE SAME BILL SAYING THAT IS HAS BEEN VERIFIED BUT NO DOCUMENTATION TO SUPPORT THE DEBT

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 2017-08-18
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As per my last discussion with XXXX, in regards to my last CFPB complaint i was advised there was nothing else that could be done on Discover 's end and i would have to address my concerns with XXXX, Therefore I spent an hour with XXXX, to be referred back to Discover in regard to this issue, as they were unable to locate any collections filed against me, nor have a process for customers to dispute the way they 're fido score is reporting with as credit card benefit. As I trust there is truly no issues with my XXXX  credit report, I am still determined there is an unresolved issue on Discover 's end with the reporting of the Fico score. I have contacted Fico in which i was instructed to have the files matched to reflect each other correctly. I tried to bring this up to their attention, I was assured there is no process in which this could be done. As i understand my last request was in regards to the APR request being declined due the " suppose '' information being reported on my credit file. I am beyond this request as not i do n't feel its fair practices as a customer to receive this benefit, however it being in accurate information. I understand Discover does n't know whats being reported and is only given the information from their third party. However I feel there should be a process for them to ensure the Fico score they are providing me is correct and they are just not taking their third party " assurance '' it correct. The last time I contacted discover, I provided them with a copy of my credit report for their review, when in reality i was turned away to received the run around for information Discover is only able to see.

Company response to consumer: Closed with explanation