BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-07
Company: ProCollect, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ProCollect attempted to collect on a debt that was not valid and never sent me notice that the debt collection process had started. They also reported this to all the major credit agencies without any notice to me. I only found out about the claim on a regular credit report check on XXXX. I never received any communication from the creditor ( landlord ) or ProCollect that there was a claim. The creditor has since admitted in writing that the claim was submitted in error and that I in fact owe no money and never did. 

ProCollect never verified the claim before filing the issue with the reporting agencies.

ProCollect submitted the claim to the reporting agencies and my credit score has dropped from over XXXX to XXXX foley due to this. This has been devastating to my financial health and it was all in error. 

I have all the supporting documentation that I was never late on a payment, am paid in full, and that the claim was submitted in error. All documentation has been submitted to the collector as well.

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 2021-01-07
Company: Paypal Holdings, 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:
Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 20 inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX XXXX, XX/XX/XXXX 2. XXXX XXXX, XXXX XXXX 3. XXXX, XX/XX/XXXX 4. XXXX, XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 6XXXX XXXX, XX/XX/XXXX 7. XXXX XXXX, XX/XX/XXXX 8. XXXX XXXX, XXXX XXXX 9. XXXX XXXX, XX/XX/XXXX 10. XXXX/ XXXX, XXXX XXXX 11.XXXX XXXX  XXXX XXXX XX/XX/XXXX 12. XXXX XXXX, XX/XX/XXXX 13. XXXX XXXX XXXX, XX/XX/XXXX 14XXXX XXXX XXXX XXXX XX/XX/XXXX 15. XXXX- XXXX  XXXX, XX/XX/XXXX 16. XXXX XXXX XXXX, XX/XX/XXXX 17. XXXX XXXX  XX/XX/XXXX 18. XXXX - XXXX XXXX, XX/XX/XXXX 19. XXXX XXXX, XX/XX/XXXX 20. XXXX, XX/XX/XXXX Please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims.

Thank you for your prompt assistance with this matter.

Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Ditech Financial LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
MY MOTHER PAST AWAY  XXXX / XXXX / XXXX  FROM THAT DATE UNTIL  XXXX / XXXX / XXXX   DITECH  HAS REFUSED TO TALK TO ME BUT STILL SENDS BILL FOR MORTGAGE AND FOR INSURANCE THAT THEY BOUGHT IN MY NAME WITH OUT MY PREMISSION. I SENT ALL LEGAL DOUCUMENTS TO THEM BUT THEY KEPT COMMING UP WITH REASON OR ITEMS NOT REQUIRED BY THE STATE OF KANSAS TO NOT TALK WITH ME, WE WENT TO COURT AND BASICLY NOT HEARD. THE JUDGE KNEW THE LAWYER FOR THEM AND ALL THE LEAGLE DOUCUMENTS I PROVIED WERE NOT IN THE FINAL JUDGEMENT WHAT DID SATE THAT THESE WERE NOT PROVIDED BUT IF THE JUDGE WHO WAS THROWN THE CASE WOULD HAVE ACTUAL READ THEM HE WOULD HAVE SEEN THAT THE DOCUMENT WERE THERE. I FILED WITH THIS ORGANIZATION AND MADE A COMPLANT BACK IN  XXXX  THEY HAD DAYS TO RESPONED TO THE COMPAINT, ON  XXXX / XXXX / XXXX  I GOT A LETTER SAYING AGAIN WE HAVE NOT FILDED WITH THEM ANY DOUCMENTS SO THEY COULD NOT TALK TO ME OR MY ROOMMATE WHO HAS MY POWER OF ATTORNEY TO SPEAK FOR ME ( WE WERE BOTH LIVING IN THE HOME UNDER QUESTION ). I GOT A RESPONCE FORM THIS COMMISSION THAT ON  XXXX / XXXX / XXXX  THAT AFTER THEY REVIEWED THEY WERE NOW WILLING TO TALK TO  US . DURING THIS TIME THEY SOLD THE HOME. THE ONLY REASON THEY RESPONDED IS BECAUSE OF THIS COMMISSION AND THAT THEY LOST A CASE IN  XXXX  FOR DOING THE SAME THING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Flagstar Bank, N.A.
State: VI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have received many calls from Flagstar Bank from a number not listed on their website. 

They ask me for personal information to verify who I am. This is a huge compliance issue. 

When I called them back at the number listed on their site they told me that I had missed a payment months ago. When they looked further into it my bank had reversed the payment for unknown reasons. 

However, I had made the payment through their portal each month, I received a text stating they payment had been made and every month after that I was only prompted to make my normal payment. 

I have now taken a huge hit on my credit score, I have hundreds of dollars in late fees and I have spent hours on the phone trying to unravel this. 

Flagstar is not willing to work with me unless I jump through many more hoops, regardless of their failing to notify me or provide clear details about what I owe and when. 

They are also in gross violation of privacy requirements.

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: Experian Information Solutions Inc.
State: MD
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:
Here 's what happened : 1. On XX/XX/2022 I sent a NOTARIZED FTC ID Theft affidavit, Copy of my ID, Police report number, proof of address, and a letter to Experian via certified mail tracking XXXX 2. The fraudulent account was XXXX Account XXXX. It was identified in the letter. 
3. Experian received the mail on XX/XX/2022. From what I read online, Experian had 4 days to review the ID Theft Affidavit, send it to XXXX, and then block the account from reporting. 
4. Also from what I read, XXXX was suppose to closed the account, investigate it, and stop reporting it but that did not happen. 
5. I received an email from Experian on XX/XX/2022 ( far beyond the 4 days ) stating that they were not going to honor my Notarized ID Theft report for a bunch of reasons that aren't listed in the ID Theft information that I found online. 
6. I found this on FICO 's Forums : FCRA 605B explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report. 
The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

7. None of those were the reasons Experian listed in their response to me. 
8. XXXX closed my account and marked me 12 months late thus damaging my credit score and report. 

All of my ID documents are attached and Experian 's response. This very stressful and is keeping me from purchasing a new home!! Please Help!

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 2016-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/2016 all of my inquiries were deleted. I logged in today and now they are back and my credit score has gone down

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 2021-01-07
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I submitted a dispute with the company win XX/XX/2020. The company has failed to respond, and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$52.00}.

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 explanation
Consumer complaint received 2015-10-23
Company: Muskegon Car Credit, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I got a car from a company called XXXX XXXX. The car was a lease to own and could be returned at anytime. The first month with the car I was having so many issues and received an alert from onstar stating that the car had a major recall for carbon monoxide emissions. I called car today and ask them to fix it they refused so I told them I was bringing the car back. They stated that they buy cars from the auction and ca n't fix everything before they put them out on the lot. They then pull the kill switch on the car and towed it the next day. I received a letter from them saying the car was no longer my obligation and that the car was leased out to someone else. A couple of months later I checked my credit and I saw a repossession from a company called Orbit leasing Company with a XXXX balance due. I have disputed this item and they still refuse to delete it off.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-11
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I noticed a late payment mark on my credit report for the month of XXXX 2014 for a payment to XXXX XXXX. I make all my payments on time, as my history will indicate. I believe that somehow my payment did not go through and a glitch caused the nonpayment. My next monthly payment did go through on XXXX XXXX, but it looks like the payment scheduled for XXXX XXXX was already reported as nonpayment. Even if it was an error, i would have expected a courtesy call from my bank, given my long and good history with them, which i did not receive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Paypal Holdings, Inc
State: TN
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I hired a wedding planner in the XXXX - Vals Wedding. My fiance and I paid a {$500.00} deposit to secure our wedding date back in XX/XX/XXXX, yet were just told that the wedding planner is no longer going to perform wedding services. She has referred us to another company that will honor the prices she provided, however our deposits have not been returned. There are appx XXXX brides that have been put in the same situation. The planners website is https : //www.weddingsindr.com/. Transaction was made via PayPal. XXXX has stolen our {$500.00}, and will not respond when the brides inquire about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07
Company: CITIBANK, N.A.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Name XXXX XXXX I want a consumer report for myself it is a few things I want to dispute with banks early warnings services social security number XXXX my address is XXXX XXXX northcarolina mail address XXXX XXXX XXXX XXXX  northcarolina XXXX the zip code is XXXX with both address I have a newyork address to if need it reply back I want to dispute every thing you have on my consumer report it is checks I deposit and they say the checks was deposit once in the bank already that is not true only once one bank someone deposit a check in my account that one I do not no about that did finish complaint with you

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 2022-10-07
Company: FIRST NATIONAL BANK OF OMAHA
State: TN
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:
I done a refinance on my home with a credit card pay down XX/XX/2022 a payment of {$500.00} was issued to payoff my XXXX  XXXX  then XXXX of XXXX  I received a late payment with a extra XXXX  dollar fee, I called then fnbo, I emailed them a copy of the returned check showing that the check went through my account was more than paid off they said they would straighten it out. Fast forward to XX/XX/2022 Ive had the same call several times but they keep reporting daily delinquent payment to my credit report dropping my score and they keep compiling interest and late fees to the account! Please help 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 2022-03-24
Company: Experian Information Solutions 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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2021-01-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I submitted a dispute with the company win XX/XX/2020. The company has failed to respond, and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$110.00}.

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 explanation
Consumer complaint received 2021-01-07
Company: PNC Bank N.A.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
My wife and I were interested in obtaining a home equity line of credit. We did our research, knew our approximate credit scores from our free reports prior to contacting banks. We checked with a few lenders regarding their requirements. We currently have accounts with PNC and could meet all of the requirements advertised for approval. We called and spoke with 2 different local branches to confirm these requirements. Specifically we asked if there is a minimum credit score, and if the approval is based on credit score or debt to income ratio or amount of equity or a combination of all 3. Both representatives from 2 separate branches, stated they do not have a minimum score requirement and base the decision on a combination of all three factors. We then scheduled an appointment to apply for the loan in person. At the time of applying we verbally discussed our current credit score, our current income and expenses, past credit issues, and the approximate value of our property. The bank representative stated that she did not see any issues with our current credit score, that our debt to income was with-in the acceptable range and that if a simple drive-by appraisal of our house came back to low, we could request the full appraisal. We did ask if the current pandemic has any effect on approval and stated that my wife and I both have secure jobs working in XXXX and XXXX XXXX She stated that yes, that would help, that PNC does not advertise, but has denied people because of covid. 

A week later we received a copy of the documents that we signed that included our credit score. I called the bank to check on the status and I was advised that our credit score was below the 720 minimum needed before the loan would be considered. We questioned if our debt to income ratio and home value were reviewed and taken into consideration. The representative stated, no, the loan was being denied because of the credit score and would not be reviewed further. I specifically asked why they were not upfront with the fact that they base the approval off of the credit score alone and that I would not have wasted my time. She did not have an answer for me. We have attempted to contact XXXX via phone and have been unsuccessful. We currently have 3 different credit scores with a 60 point difference from XXXX provided to the bank, online at the XXXX site, and our yearly free credit report. PNC could not provide us with a contact number for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am requesting validation of a judgement recorded on my report under the company name of ; XXXX XXXX. The judgement was filed with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. I have recently had my credit report investigated for a removal of a judgment that did not belong to me. 
The FTC outlines the contents of the letter that you should receive : How much you oweWho you oweStatement giving you 30 days to dispute the debtStatement that, if you dispute the debt in the given 30 day time frame, the collector will mail you the verification of the debt or a copy of the judgement against youStatement that the collector will provide the name and address of the original creditor ( if different from the current creditor ) if you write a request for that within 30 daysNote : If you dispute the debt within 30 days, the debt collector must cease attempts to collect until they 've mailed you verification of the debt or a copy of the judgement to you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
Company: CNG FINANCIAL CORPORATION
State: OH
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:
A company named XXXX XXXX XXXX placed a collection account on my credit reports for XXXX, XXXX, and XXXX. The amount stated as past due was {$970.00}. The claim for this debt apparently originated with a company called Check N Go which appears to be a pay day check cashing company. 

I am the victim of identity theft. The item I am disputing is not a transaction that I have made or authorized. I have never done business with XXXX XXXX XXXX or Check N Go in my life. Neither company has ever contacted me about any transaction or problem. I have never used a pay day loan and no check or electronic withdrawal has ever been submitted to my bank account by these companies. 

There is no way they would have a legitimate check or other financial document from me since I have never done business with them. Any signatures would be fraudulent and could be compared to my real signature. My tax return information was stolen in a hacking incident several years ago and someone attempted to file for an IRS refund in my name. The information stolen included a bank account number, but I closed that account after that incident. 

XXXX did not make any changes to my credit report. They said XXXX XXXX XXXX said it was accurate information. The reviews by XXXX and XXXX are pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
In a nutshell, Citibank Mastercard has charged me {$100.00} in late fees for an XXXX cent underpayment. In essence, my minimum payment was {$60.00} and was being automatically paid each month by my bank through their automated bill payment service. This was all working out until Citibank increased my minimum to {$60.00}, which I was n't made aware of because I moved and did n't receive my bill and did n't know for 3 months that my minimum payment increased by XXXX cents until today when a representative called me to inform me that as a result of this XXXX cent underpayment, I had accrued {$100.00} in late fees. I asked her to waive the fees since it seemed ridiculous to charge me {$100.00} for an XXXX cent discrepancy, which I was not made aware of due to the fact I moved and did n't get the bills. This rep informed me that she could n't waive the fee and transferred me to another dept who could n't help me either and then eventually, I was transferred to a supervisor named XXXX. XXXX was rude and not willing to help at all. She refused to waive the fee even though {$100.00} is an excessive amount to charge for an XXXX cent discrepancy, especially for a customer who is never late with her payments and who never received the bill or any notification ( until today ) that my minimum payment increased by XXXX cents. XXXX informed me there were XXXX lates fees charged, the first late fee they charged me was {$27.00}, the next was {$37.00} late fee and the next was another {$37.00} late fee all due to an XXXX cent discrepancy with the automatic payment being issued with my bank. Again, it 's not as though I was n't making a payment, it was that my payment was XXXX cents short and believe me if I had known, I 'd have my bank issue XXXX instead of XXXX. XXXX cents is not going to make or break me but being charged {$100.00} in late fee charges is criminal in comparison to this XXXX cent oversight. Thus I am humbly requesting help from you to have this company waive their ridiculous {$100.00} in late fees over XXXX cents, because I believe their bank practices are unfair, unethical and outlandishly criminal. Also, the Citibank supervisor XXXX refused to waive any of the fees despite the fact the bills were sent to the wrong address and refused to provide me with the name or address of their complaint department. I am sick with this company and cancelled my card as a result.

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