BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
During the past year I have been attempting Dispute unfamiliar items on my credit report in my dispute I asked for a method of verification on every single account/Trade line/item I have not received the proper information from any of the credit bureaus XXXX XXXX XXXX and Experian I spoke to one manager at XXXX XXXX and he told me that we already sent the information and I told him no you did not you sent me a letter with blank pieces of paper on it Then he told me it is 2020 and everything is digital now so we verify it electronically and thats it That is not with the fair report in credit act says You have to verify the dates who you spoke to how you communicated with them what was their response what you communicated with them how do you retain your files The other two credit bureaus did not respond to my request at all and it is my right to have the method a verification Also all three credit bureaus are guilty Of when I correctly dispute an item and give them substantial proof on why the item is not valid on the report they just say that it is verified For example on all three credit bureaus they said that they verify bankruptcies by XXXX before I disputed I wrote the court on which the bankruptcy is CLAIMED to be with And asked them did they verify Bankruptcies with third-party creditors Such as Experian XXXX XXXX and XXXX XXXX  they wrote me back and said no they do not as clear as day it says on two of my reports that they verify the bankruptcies with XXXX XXXX I sent them a letter that the court sent me saying that they do not do this and they wrote me back the bureaus and said oh its verified

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 2019-10-23
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After numerous attempts to try and delete these fraudulent accounts from my credit reports I still haven't received verification of these accounts that aren't mine, the credit bureaus and the company who has added these fraudulent accounts have refused to investigate under my Fair Credit Reporting Act. The collection agency and the accounts are as follows : FIRST POINT COLL RESOURCES INC. 
ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$660.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$410.00} XXXX XXXX Balance : {$3600.00}

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 2020-10-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be verified or removed immediately. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt assistance in this matter.

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 2019-10-23
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019 Discover Bank did an ACH debit from XXXX account to my Discover Savings account for XXXX, as requested on XX/XX/2019. 

On XX/XX/2019 Discover Bank repeated this transaction. This second debit was NOT requested. 

On XX/XX/2019 Discover sent a message in my web portal. Saying that the ACH transfer was processed twice due to a processing error and they were working to reverse the transaction. 

I called Discover and XXXX on this day and was told by Discover that a credit would appear on my XXXX account on/by XX/XX/2019. 

PLEASE NOTE : While this second debit appeared as a debit on my XXXX account it did not post on my Discover account. I have asked Discover numerous times where it posted and they have not provided an answer or any documentation as requested. 

On XX/XX/2019 I called Discover to advise that the credit did not post and was advised it would post in the next business days. 

On XX/XX/2019 I called Discover to advise that the credit still has not posted and was assured I would get a call the first thing on XX/XX/2019. 

On XX/XX/2019 I called Discover after I did not receive a call. I was told that the credit was sent to XXXX on XX/XX/2019. 

The Discover representative got XXXX on the line and after confirming all my information we were told that no credit was posted to my XXXX account. 

Even after receiving this verbal confirmation, I was forced to upload all my recent transactions showing the XXXX account was debited twice and that no credit back was received. 

On XX/XX/2019 I called Discover to check on status and they said there were still investigating the matter to determine where the credit posted. I asked for verification that it was even sent and I was told that such a request had to go through their legal department. 

As accommodation, so I collect interest Discover posted a courtesy credit as a check on my account, but the funds would not be available to me until they conclude the investigation. Why is my own money not available to me? Especially when this is their error and they have admitted this much. 

Again, I will note that while my XXXX account was debited twice ( XX/XX/XXXX and XX/XX/XXXX ) and while the post of XX/XX/XXXX appears on my Discover account the other does not. Discover has not advised or provided any documentation on where exactly these funds are or were posted during this more than two week ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I filed a loan modification application with my loan service provider, Selene Finance. All of the documents that were requested were reviewed by my Hud Housing XXXX, XXXX XXXX, XXXX and emailed to Selene Finance on XX/XX/XXXX at the email provided on their website provided, XXXX. 

On XX/XX/XXXX, I received a notice from Selene Finance stating that they did not received any of my documents. On XX/XX/XXXX, I immediately contacted XXXX and an email was sent out to the assigned Loss Mitigation XXXX at Selene Finance that is working on my Loan Modification file, XXXX XXXX XXXX XXXX XXXX XXXX Ext. XXXX, XXXX and XXXX. Since no response was received I reached out to Selene Finance by phone and added a formal complaint for non-responsiveness. That same day, I received a call from XXXX XXXX and she confirmed over the phone that all of my documents were received and that they did not need anything additionally from me in order to proceed. 

on XXXX, I received a letter from Selene finance dated XX/XX/XXXX where they are asking for the same items that they already confirmed on XX/XX/XXXX that they had. They additionally are requesting for an additional document XXXX rental lease of my second flr unit XXXX which I've advised on my hardship letter reasons of why that unit is vacant. 

It is now XXXX and Selene Finance has not reached out to XXXX my HUD XXXX and is not responding to any of my communication. I'm only in $ XXXX in arrears which is a very minimal amount in comparison to others. My HUD XXXX XXXX recommended I reach out to you in order to get a resolution on this matter. If you can kindly assist in reaching out to Selene Finance as the deadline to complete the XXXX Modification with them is XX/XX/XXXX and their negligence is keeping me from meeting that date. Anything that you can do to assist will be greatly appreciated. If you can review with them the following that would be fantastic : XXXX XXXX Why is it that my assigned Loss XXXX XXXX, XXXX XXXX, is not responding to emails or calls? 

XXXX XXXX Why did they confirm on XX/XX/XXXX that they received all of my documents and then proceeded in sending out a letter stating that the documents they confirmed they had are now missing? 

XXXX ) Can they kindly reassign me a new Loss Mitigation XXXX preferably someone by the name of XXXX XXXX who is incredibly knowledgeable of the Loan Modification process and who worked on the first loan Modification I had to undergo with Selene Finance? 

XXXX regards, XXXX XXXX XXXX XXXX XXXX | XXXX | XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a HELOC with US Bank. I refinanced with a different bank and a payoff check was sent to US Bank and received by them on Friday morning, XX/XX/XXXX. I called them the following week and was told to call back on XX/XX/XXXX. I was told at that time if they haven't loaded in my payoff that I could place a search for the payment. On XX/XX/XXXX they refused to trace the payment and was told it would take 10 business days from XX/XX/XXXX, which would bring me to XX/XX/XXXX... that I should call back then. In the meantime, the monthly mtg payment is due on XX/XX/XXXX and I advised them that I would not be paying it since they have a payoff check. In fact the payoff from the current bank overpaid my loan by {$510.00} which is due to come back to me. I was then told that I needed to make that payment for XX/XX/XXXX. I told them that it was rediculous to owe me money and expect me to make another payment on this loan since SOMEWHERE there is a payoff check sent to them and received ( XXXX confirmation and person who signed for it ) but they are insisting that if it isn't in their system, I would be charged late fees. 

What I am most afraid of is that I wait till XXXX XXXX to call them and it still is nowhere to be found and then at that late date, they put a tracer on it ... and it goes into XXXX and now I have to make two mortgage payments, not one. One to a bank that was already paid off and the other to the new bank. I CAN NOT AFFORD two mortgage payments.

I am upset that they don't feel one week is enough time for them to start the tracer now. If it hasn't been entered yet, how do I even know it will be? 

Anything you can do to help me is greatly appreciated. The customer service people I spoke with at US Bank refuse to give me to a supervisor above them that could help and would not bother to check with the loan department to see where the check could be. They wouldn't even notate my account that a loan payment was sent so that I am not responsible for any further payments until they find the check. It's just rediculous talking to them.

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 2016-09-22
Company: CITIBANK, N.A.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX Citibank offered a {$400.00} bonus for opening a checking account and funding within 30 days. Citibank reneged on this promise. XXXX I submitted funding request together with account application. Despite the fact that I have been a customer for last 20 odd years, Citibank demanded further proof of address. This delayed their completion of EFT funding to 32 days. Now Citibank is denying payment of promised {$400.00} bonus.

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 2016-12-21
Company: ASTA FUNDING INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Asset was seized without warning in the amount of {$4800.00}. for a credit card that i have no knowledge about. they did not send me any notification but my money was seized from my XXXX account, by Palisades collection LLC, in XXXX and XXXX.. when asked i was informed it was for a credit card i had open with XXXX Bank in 2004.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original mortgage was sold by The XXXX XXXX to Loancare on XX/XX/XXXX. I did not get notification of the transfer until XX/XX/XXXX. In the meantime I made payments for XX/XX/XXXX and XX/XX/XXXX to The XXXX XXXX. The payment for XXXX was successfully credited to the Loancare account, but the XXXX payment was not. Loancare are now saying I am in arrears for the missing XXXX payment and have also impacted my credit score by telling the credit agencies that my account is in arrears. 
When I contacted Loancare they said the needed proof of my payment to The XXXX XXXX, so I sent them the electronic transfer details as I paid through my bank. That was sent in XXXX of XXXX and I heard nothing from Loancare until XXXX of XXXX when they contacted me to say I was in arrears. 
After speaking the them they told me that their Escalation Payment Dispute department said that they needed further proof, although no one contacted me at the time. I contacted The XXXX XXXX  who have confirmed a check was sent by them to Loancare for the XXXX payment, but Loancare say they did not receive it and are requiring me to get a new check from The XXXX  XXXX. 
The amount of the original payment is {$1200.00}, Loancare have been adding missed payment penalties totaling {$590.00} and are saying I'm past due an amount of {$1700.00}. 
Both of the payments I made were within the 60 day period from the original transfer of my mortgage from The XXXX XXXX to Loancare.

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 2016-11-06
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Payoff process

Complaint:
My closing agent mailed XXXX checks to payoff my XXXX CITI credit cards on XX/XX/XXXX. The XXXX checks were cashed by CITI on XX/XX/XXXX, as of today CITI still does not apply those funds to my accounts and they are charging me late fees and reducing my credit limit because I " owe '' money to them.

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 2015-05-22
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I recently received a letter from Financial Asset Management Systems Inc in regards to a private student loans with XXXX XXXX. I am recently dealing with collection calls everyday where they are stating they are trying to collect a debt on a student loan. I recently contacted Department XXXX who looked up all student loans under my social security number. Department XXXX did not inform me of this so call XXXX loan with XXXX XXXX. Im in need of some assistant because this particular debt collector is telling me I owe them {$11.00}, XXXX which {$2700.00} are fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First attempt to collect a debt was in XX/XX/XXXX for a debt from XX/XX/XXXX. No collection attempt was made from the original company - first contact was thru the collection agency. They did not provide me with ANY proof of a bill for collections from the company. I requested certified mail and gave my address twice, no mail was sent to verify the charges. I contacted the original company directly and they could not verify the charges with a form or any proof of nonpayment from XXXX. I have not received any valid or certified form or statement of my debt - have only received calls asking for payment.

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 2017-01-25
Company: Risecredit, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
they are charging XXXX a day in interest and this was only mention in small print that a lot of people do n't see. They also do n't make it easy for me to pay, so the interests are adding up without any i can do. this is the biggest scam i never see.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This bank is horrible..I submit my homestead information two months ago spoke to one representative that told me my payments will reduce but never did than another representative told me I had to resubmit everything..this is horrible and my payments are still the same..not pleased at all..

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 2020-04-08
Company: Experian Information Solutions Inc.
State: TN
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 mailed via certified mail of several documents on XX/XX/XXXX to Experian disputes. Included with documents were a copy of my driver 's license. This dispute is regarding the 2 fraudulent bankruptcies reporting on my credit report that I have never filed. XXXX & XXXX, filed with the XXXX  Tennessee  Bankruptcy  Court filing dates are XXXX & XX/XX/XXXX. I have a current XX/XX/XXXX XXXX report that does not show or list these bankruptcies in my file, yet I'm being told on XX/XX/XXXX, my most recent credit report by Experian stating, bankruptcies have been verified as accurate by XXXX. I have not received any correspondence from Experian regarding documents sent on XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Commenity Bank has not reported my account to the credit bureaus for 3 months. I am told it is reported every 30 days but it clearly is not. 

Twice, I sent an online message to Commenity asking why they have not reported my account standing to the credit bureaus. The first time they told me they report every 30 days, even though I said they havent reported for 3 months. The 2nd time, I was told that their systems are down and I need to wait 45 days. I have already waited 3 months. Now I have to wait 4.5 months. 

I am trying to obtain credit and this account if affecting my credit score. Today, a supervisor hung up on me when I asked to speak to someone above her. These people are disgusting and rude. 

I need my credit report updated ASAP and z Commenity is making it impossible for me. They are not following through on their responsibilities. They are treating me like I have no rights in this matter and they are telling lies about reporting it to the credit bureaus. I have filed a dispute with all 3 credit bureaus and they are clearly not getting answers from Commenity either. 

I also want an apology from the company because the supposed Supervisor hung up on me. I am sure they can find out who it is.

Company response to consumer: Closed with non-monetary relief