BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This is in response to the CFPB your company provided to me ( your response attached ) To whom may concern I contacted the Attorney General of Florida ( attached ) I reported the fraud from your company with the FTC ( attached ) If you default again I will contact the Office of Financial Regulations, file a police report due to Identity theft by your company and File a complaint with the XXXX XXXX XXXX.

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, 15 USC 1692 ( g ) Section 806 ( 5 ) you proceeded to mail a simple statement which is NOT considered a " validation of debt '' by any means. You may wish to familiarize yourself with what is required when validating a debt. ( you need to provide me with the 5 things pursuant 15 USC 1692 ( g ) ) Your office also proceeded to contact me by the credit bureaus after the delivery and acceptance of my certified letter. Contacting a person after a cease and desist can lead to serious trouble for your agency including damages of up to {$1000.00} per incident.

You may wish to familiarize yourself with what communication means. Pursuant 15 USC 1692 The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

I highly doubt that this $ ( XXXX ) debt is worth your agency 's license and the fees and penalties for violations of the FDCPA. 

Please be advised the affidavit sent in support of my claim was not rebutted and my demands in the cease and desist were not met.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, In XXXX of 2020 I contacted my mortgage company to defer payment due to Covid 19.

which I was approved for. Earlier that year I had applied for a loan modification which I was also approved for reducing my mortgage payment from {$850.00} to {$760.00} approximately.

I was told that I could defer payment and once the period ends that I would start payment on my loan modification. I was also told that the months that were deferred would be added to the end of the mortgage 's life.

I had to take a live of absence for two months from work due to my XXXX XXXX XXXX from XXXX XXXX XXXX and XXXX treatment that had just ended. As a result I was getting less pay. The mortgage company kept deferring. At the end of XXXX I contacted them to try to continue the deferment but at that time they declined it. I told them that I could not resume the payment at that time and asked them to please continue the deferment until I can catch up. They refused so I was falling behind. They told me to re-apply for the modification and was denied and disputed it and was declined again. Now they were telling me that they feel that I can not make my payments and could not afford this place. 
I wanted to start making payments online and could not. I contacted them and then was told that my account was sent to a law firm for foreclosure. I told them that I do not want to foreclose and would like to start making payments. I had been putting the money in the bank. 
As of today I was not contacted yet by any law firm most likely because of the mandates in regards to Covid 19 and refraining them to foreclose and forcing people to loose their homes. The mortgage company told me that the only way to be current is to get re-instated. In XXXX I requested the re-instatement figures. It took about a month after many calls. When they gave me the figures I was in shock. I thought that the figure would be for the three months at the time that I was delinquent but they included everything since XXXX of 2020. I told them that this was unfair because the deferred payments should be added the end of the loan. 
I feel that this is a set up for people to loose their homes. 
Please advise ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Experian Information Solutions Inc.
State: NV
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 a loan with XXXX XXXX XXXX. The current status should not be showing late because I think I paid on time. This just proves that EXPERIAN Credit Bureau lacks proper record keeping. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts 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 explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$690.00} XXXX XXXX **** Balance Owed : {$890.00} XXXX XXXXXXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX  XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We have always paid our bills and have used the convenience of auto pay. Our Citizens Bank Mastercard was paid out of our Citizens Bank checking account. Then in XXXX of 2023 we noticed our bill which should have been paid around the XXXX wasn't paid. My husband called Citizens Bank Card service and made arrangements to pay that bill and the {$29.00} late fee was credited. The same thing happened again in XXXX even though the autopay authorization to pay the statement balance was in place no funds were taken no statement was paid. My husband again called to find out why our payments were not accepted for payment and the representative said that there was a change in the bank 's routing number, which was unknown to us, we were still using our personal check which had the old routing number. My husband made arrangements to pay the XXXX bill on XX/XX/2023 using the funds from our designated Citizens Bank account and included the XXXX statement as well, the total paid over {$3500.00}. My husband tried to update the routing number on the autopay form on that day, it obviously didn't take because no funds were taken out for XXXX 's statement. The Citizens Bank has charged us {$130.00} in interest and levied bank fees and late charges {$69.00}, all because they changed a routing number and refused our attempted timely payments, and not properly finding a solution when we first contacted them in XXXX. We are more than ready to pay but they won't accept our payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: TN
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 recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-05-24
Company: Security Credit Services, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 an account was opened using my identity by a company named Security Credit Services and has since been placed on all three of my credit reports as an account belonging to myself. I have no knowledge of this alleged debt and have never heard of such company. I tried on several occasions to make contact with Security Credit Services and on my third attempt, I was transferred to three different people who said they had no record of an account with my name. This has become a nuisance because this debt does not belong to me and I cant seem to get any helpful answers or rectify this situation. I have disputed with all three credit bureaus and XXXX XXXX is the only company to have closed the account ( see attached ). At this point, I am at a loss as to what to do to remove this company from continuing to report a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Commerce Home Mortgage, Inc
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had a mortgage rate of 5.1 % with Change Mortgage ( Change Lending , LLC dba Change Home Mortgage ) for over a month. They purposefully delayed the loan closing to let my rate expire today ( XX/XX/2022 ) and then told me that my rate has expired and they will not extend and the only option I have is to accept a 5.75 % rate. 

We told them that this is wrong and they should honor the lock and they told us they dont care. When I told them we will complain to CFPB, they replied with " we have many lawyers '' and dont care. 

I had submitted all documentation in time and even paid for an extension last week because of their delays. They wanted to increase the rate and when silent and did not reply to my many emails and texts to get an update on closing. And today finally they gave me an ultimatum to take the higher rate or cancel the purchase. 

I know for a fact they had everything since they sent me the final closing disclosure after XXXX when time was up. 

This is very unethical and they did not honor the extension. They forced me into a higher rate. Per my broker they are 7 others folks they did this today over last week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting AcXXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
In XXXX, XXXXmy account was assessed a late fee of $ XXXX.plus interest of {$1.00} My payment was posted onXXXX. I was told that the statement date was the XXXX of each month From that month to the present, I made my contracted payment plus any additional interest that was charged, on or before the statement date. Because I did not make the first {$40.00} payment, an additional late fee was added each month despite the fact that the contracted payment was made in a timely manner. Additional interest was also added which I also paid. In XXXX I was finally able to have my dispute resolved with the executive branch of XXXX XXXX and all of the late fees billed {$200.00} ) were re-credited to my account but not before a delinquent status notification was placed in my credit file that resulted in the reduction of my credit score by XXXXpoints. The credit bureau dispute resolution department is not willing to correct the error in my credit file but has told me that I would have to wait 45days for the matter to correct itself. In the meantime my creditors have either reduced my credit or withdrawn my credit privileges altogether. XXXX XXXX had me pay an additional month 's payment and then advised me that this amount was credited to the principal and i now requiring that I pay another month in XXXX. I would like my credit file to be updated to reflect no delinquency and that the payment that was credited to the principal without my approval be credited to my XXXX payment due which is what I was told originally. As you can see, I do not pay my debt late and have bad no delinquencies for the past years. Please help me to correct this unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I received an alert that a new account showed up on my credit report for a loan that I have never applied for and don't want this on my credit report or want it to lower my credit scores being I never have applied for a loan with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-06-10
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I started a fresh start program with Discover on XX/XX/XXXX which would allow me to make payments on my credit card decrease my balance and become current on my credit card. They had me make 3 payments, one on XX/XX/XXXX for XXXX $ which they gave me a XXXX dollar credit with, XX/XX/XXXX for XXXX XXXX and another one XX/XX/XXXX for XXXX $ which i also received a XXXX dollar credit with. Making those three payments forced my account current which was reflected on XXXX XXXX when my balance had decrease down to XXXX, they also reported to the Credit bureaus that i was current on my balance and payments. Now comes XXXX  the XXXX of XXXX i checked my balance, it was over the limit again and they reported to the bureaus saying i was over the limit on my card and late which is not true when i made the payments before the XXXX as the had me due to have my account current so it would not report me being late. I called discover spoke to multiple representatives on the XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX XXXX all told me that they could see i made the payments and were not sure why my balance was reflecting over the limit and that i am indeed current but i would have to wait until the beginning of XXXX so they can report me as being current and on time. I had than spoke to XXXX a supervisor at Discover on XX/XX/XXXX who told me my account had been closed and that yes it was a technical error on their side.She said she would send my account up for investigation to get it reopened but she could not promise that they will do so, which i didn't understand if it was a error on Discovers side and not mine they have reported more than once in the month of XXXX on my credit report and its all inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I received an alert that a new account showed up on my credit report for a loan that I have never applied for and don't want this on my credit report or want it to lower my credit scores being I never have applied for a loan with 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 explanation
Consumer complaint received 2023-11-08
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Starting on XX/XX/XXXX my account was hacked for thousands of dollars. Mostly from XXXX XXXX. My bank finally sent me a fraud alert after multiple back to back charges to a few different names. I also had a XXXX charge and an XXXX charge. My bank gave me XXXX of the almost XXXX that was taken. I myself got the {$1000.00} charge from XXXX back myself even though my bank denied that claim. My bank stated that the reason they denied my claim was because XXXX XXXX said it came from my account. I have not used XXXX XXXX  since XXXX. When I contacted XXXX XXXX they helped me log into my account and the last transaction was made in XXXX. My bank said the will not refund the remaining {$2700.00} that was so obviously stolen from me. Back to back charges in different amounts to a person under the name of XXXX XXXX. First {$250.00} then {$400.00} then {$300.00} then {$200.00} with others charges to different individuals in the amount of {$450.00} then {$250.00} then one for {$85.00} then {$22.00} after the XXXX they sent me a fraud alert. A XXXX charge for XXXX and another XXXX charge for XXXX. Then an XXXX charge for over {$1000.00} but I was able to get that refunded myself from XXXX. They refunded around XXXX of my funds back but denied the rest. This makes no sense at all. I have been banking with them since they were suntrust. Im not really sure what to do but {$2700.00} is a lot of money and they said they will not reopen the case for me.

Company response to consumer: In progress
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: MA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: NCB Management Services 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:
My information was sold to a different company. I also have medical bills from places I know I havent visited to receive treatment.

Company response to consumer: Closed with explanation