BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-06
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
At the end of XXXX, XXXX, I was notified by XXXX XXXX XXXX XXXX Kansas XXXX ), a debt collector for XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ), regarding an account with LVNV Funding LLC, in my name, pertaining to a credit card debt for {$610.00}. The account was opened XX/XX/XXXX and charged off XX/XX/XXXX as per XXXX XXXX report. I notified XXXX that I had never opened an account with XXXX XXXX XXXX  and that the address was not mine, besides the transactions were made in the XXXX area where I have never shopped. It was evident that my identity was stolen. I never heard back from XXXX, but LVNV who bought the debt, continued to place this information on my credit. I wrote to the 3 credit bureaus many times, over the years, disputing the debt and even sent a letter from XXXX XXXX XXXX, which indicated that I did not owe them any money. It is now 7 years later and LVNV, a company that seems to be in cahoots with the credit bureaus, has not removed the debt from my credit report despite the fact that they have never sent me the signature on the original contract used in opening the account. Under federal law, an unverified account must be deleted from the Bureaus. I have filed an identity theft report with the XXXX Sheriffs Office, which I will be forwarding to the Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing this letter to request the following information on my file be deleted. I sent a letter to XXXX on XX/XX/2023, asking them to reinvestigate my accounts and ensure everything was complete and accurate. I received my updated credit report and noticed they didn't modify or update anything according to 15 USC 1681i ( 5 ). This doesn't make sense because I know the information is incorrect. I'm trying to purchase a home for my family, and the credit bureaus are hindering me. Can you please look into this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The first time I realized there may be some inaccuracies on my credit report was on XX/XX/2023. I contacted the credit bureaus via certified XXXX XXXX mail tracking # XXXX to let them know about the inaccuracies on my credit report and I would like them investigated and deleted. I checked my compared my credit report from XX/XX/2023 to an up-to-date report nothing has been modified. This is a violation of my federally protected rights and is causing me an enormous amount of stress to where it is affecting my mode of living. Can you please et an update on my credit report and when it will be modified to reflect accuracy across all three of the major credit bureaus?

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 2019-06-23
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cash Call have listed a charge off on Credit Reports.Cash Call is reporting accounts are invalid and unverified. I have sent multiple letters asking for my signature on any loan application they are indicating that is mines. Cash Call have sent me a billing statement. they did not send an application with my orginal signature that I have request more than once. 

if they can not produce a application with my signature on it, I want Cash Call to remove the item from all my credit reports they are reporting incorrectly per the FCRA/FDCPA. This reporting is causing me anguish and slandering my good name. 
Account Name : CASHCALL Account number:XXXXXXXX Amount : ( {$5000.00} )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions 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:
I have been trying to get my annual free credit report since XX/XX/2022 I have been put through hoops trying to get this report time after time I have repeatedly sent documentation such as my State Identification Card pictures and social security card pictures along with mail from my resident with my name and the address on it that matches my State Identification Card and yet they refuse to send me my FREE annual credit report this has slowed down my credit repair process extremely!!!!

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 2018-01-13
Company: ERC
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
1. XXXX XXXX {$580.00} 2. ERC {$560.00} I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that creditors and credit bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated. I respectfully request to be provided proof of the alleged items specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. 
The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 

Please delete this misleading information and supply a corrected credit profile to all credit bureaus who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. This letter is an affidavit and dispute of the incorrect information that you are reporting on my credit file. If you continue us to place incorrect information on my credit report without my consent I will be forced to take legal actions towards your company and you will be faced with charges for the damages you have caused on my life and my credit file. I have all recorded calls, emails, certified documents, and the threatening phone calls your company made. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Dear Sir/Madam, I am writing to raise a serious concern regarding the services provided by Synchrony Bank . My complaint centers around the wrongful application of a promotional financing period to my account and the absence of financial statements in my online portal. 

In XX/XX/XXXX, I agreed to a promotional financing period with Synchrony Bank, expected to last until XX/XX/XXXX. Regrettably, the bank initiated this period two months earlier than agreed, thereby shortening the duration I was promised. This unexpected alteration has caused financial strain and a clear violation of our agreement 's terms. 

Additionally, I have not received any financial statements related to this account, nor can I access them through my online portal. The absence of these crucial documents further exacerbates the issue, preventing me from fully understanding the implications of the changes made to my account. 

I have made significant efforts to address this issue directly with Synchrony Bank. I have spoken to several representatives, namely XXXX ( Employee ID XXXX ), XXXX, and XXXX, but my concerns remain unresolved. 

I respectfully request the CFPB to investigate this matter. My expectation is for Synchrony Bank to honor the original terms of our agreement, adjusting my promotional financing period correctly, and reversing any additional charges incurred due to their error. Furthermore, I seek assistance in obtaining access to my financial statements, either through postal delivery or via my online portal. I don't even have access to an account number, XXXX is all I have. 

Thank you for your attention to this matter. I trust in the CFPB 's commitment to consumer protection and look forward to a prompt resolution that will restore my faith in the banking sector. 

I have also attached a picture showing my account and a lack of statements that specify any terms.

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 2021-04-06
Company: ALLY FINANCIAL INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently had a mortgage run my credit for home buying purposes. I was notified a short time after that XXXX XXXX ( XXXX ) has recently ( XX/XX/XXXX ) reported my account status as " XXXX '' when I have been in Chapter XXXX bankruptcy XXXX since XX/XX/XXXX. I have never had a late payment on this account prior to filing for XXXX. I reached out to XXXX XXXX today XX/XX/XXXX and spoke to a lady that was very disrespectful by the name of XXXX. She refused to provide me with her last name and advised me that she would report my account negative every month until the account was paid in full.

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 2021-10-16
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Cash app is being used by the adult services community to lure vulnerable people into sending money for " adult cam shows ''. I was a victim of this scam. The scammers are on a site called chaturbate. They try to lure you offline for a cam show on XXXX. I foolishly agreed after telling the I was uneasy about doing this because there is no recourse once i send them money via cash app. She seemed trustworthy, even reassuring me that she would never rip me off because she knows how it feels. I figured well its only {$20.00} and she seemed like a decent person. Immediately after sending the money i was blocked from chaturbate and XXXX and had no way to contact the scammer. I immediately reported this to cashapp hoping that they would investigate. They were extremely unhelpful and said that once money is sent it can not be recovered. They gave the same company statement and said there is nothing they can do. Supposedly it was sent to a manager but the manager was just as unhelpful and said there is nothing further she could do so she was closing my case. I asked to speak to someone above her and she refused. I am really upset with the scammer but equally upset with cash app because they know they are enabling illegal activity through their app and dont seem to care so as long as they are making money. Not knowing where to turn I am here. At least I can make my complaint known. If there are enough complaing hopefully cashapp will be forced to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Had a flood in my home XXXX, XXXX 2021 which the insurance is paying out XXXX out towards the damages on the property. I sent out the first insurance check to Carrington XXXX XXXX draft department the XXXX of XXXX, they sent the check to the wrong address multiple times to the point we had to order a new check from the insurance. My representative is XXXX XXXX Ext XXXX She has repeatedly told me its been handled and said she sent the new check out and its been indorse so we can repair the property. And they just sent the check back without it being indorsed. At this point it seems like its a game and nobody in the Carrington XXXX XXXX Draft Department is helping to get this job done the correct way. I'm struggling to pay to fix all of the damages in the property and Pay my mortgage. I seriously need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: VA
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 received a mailer with a pre-approved offer from XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX, ( XXXX ) XXXX, for a card with a {$400.00} limit. When I received the card and called to activate the card it said there was a balance of {$99.00} that needed to be paid. Of course this confused me so I reached out to the contact center. In speaking with the representative he informed that there was an annual fee that was charged to the card. I advised him at that point to cancel that card because I had not earned an annual fee, and if it was required before using the card they should have left the balance unavailable until I made the decision to pay for it if I still wanted the offer with that as a stipulation. The representative cancelled the card and I received a confirmation letter in the mail on XX/XX/21. Today, XX/XX/21, I get notification that my credit score dropped XXXX points and noticed that this company is reporting a {$99.00} balance on my report as if I'd used this card. I contacted them and was told by several employees that they could not remove it, there's nothing they can do. Eventually they hung up on me. They refused to let me speak to management. They told me there were no managers to speak with. I need this removed from my credit report. I filed bankruptcy and got a discharge a few years back and have been doing nothing but building up my credit since then. I can not afford for predatory lenders such as this company to ruin that. I don't owe them any money. Please help! If they've done it to me, I'm quite sure they have done this to others. It needs to stop here. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Experian Information Solutions Inc.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a XXXX years would of thought that someone else was using my name and social security number to open up fraudulent accounts. I pulled my credit and there was so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please delete these accounts from my report as soon as possible. They do not belong to me.

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 2019-06-23
Company: MOHELA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I applied for a school housing at XXXX XXXX XXXX XXXX XXXX, before the school year even started. im talking months. I sent the housing and the school a withdraw letter signed & dated on why i cant further my education with them this semester, i never signed a lease i never ever consented the apartments to charge me for the months that i didnt attend. Because i let them know i wasnt gon na attend. I never sent them signed documents saying i was going to stay at these housing apartments and after many times of them trying to get me to sign i told them over and over that i would not be attending the school so i dont need to sign. I have proof of them sending the lease through email and me NEVER opening them. More then 5 times. I check my score today & & some how it got sent to collections on a XXXX dollar payment that i never agreed to pay or never made a single payment towards and never signed the lease, i filed a dispute and got rejected for an apartment I NEVER stepped foot in. I dont wan na take this bigger then lawyers & & attorneys but i need further assistance on this terribly wrong error, but something needs to be fixed because that is fraud for charging someone for an apartment they never signed a lease for. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my home mortgage with the existing mortgage holder. Initially I had been told that I would be able to transfer my current escrow account from my old loan to new loan. This was the deciding factor on why I stayed with the same company. 

Just prior to closing, I received a call from XXXX XXXX stating that SLS required the escrow amount for the new loan up front and they would refund me the current balance XXXX {$3900.00} XXXX after the loan had closed. 

I have learned today that {$1500.00} of the prior escrow will be refunded and the remaining balance was transferred over to the new loan ; s escrow account. This contradicted the agreement where I had to front the escrow funds and would receive the current balance back afterwards. 

I called SLS today and was told they had no idea why this had been done like this and it was not normal. the representative indicated that she would request the escrow account to be evaluated to determine why it was not processes as agreed upon.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

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 2021-10-19
Company: United Shore Financial Services, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
RE : loan number XXXX This letter is to dispute the credit bureau notification that occurred on our mortgage account in XXXX, XXXX for 180 days late and then again in XXXX, XXXX for 60 days late. We thought we were in forbearance and then learned we were denied the home modification but were told that we were still able to get into another resolution and paperwork was mailed out to us again for another option. However, we were unable to get into a workout solution until XX/XX/XXXX. Payments for XXXX, XXXX and XXXX we were under the impression that they were in forbearance and we came to learn they were not in XXXX and then were reported as late. Please consider our request to remove the negative credit reporting as we attempted over many months to make calls/inquiries to find another work out solution. We did not understand that this negative credit report was occurring as we were doing our best to reapply for another option. None of this would have happened, had we not been furloughed during the pandemic. I have been undergoing XXXX XXXX XXXX  and have tried my best to follow up on the documents, attempting to make regular calls to UWM to understand my options. Since our credit has plummeted after these reports, we are concerned for our financial future. When we disputed these reports with the individual credit bureaus the outcome notified us to contact UWM directly to discuss this situation. We are XXXX  XXXX  workers who were furloughed and thankfully we are working again but the impact of the negative credit reporting has been devastating.

Company response to consumer: Closed with explanation