BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 suspect a fraudulent account on my credit report. I did a thorough investigation and I also filed a FTC report stating the activity I have observed. The account is listed below. I also noticed that my XXXX is not showing this same collection and I uploaded that screenshot as well. 

XXXX XXXXXXXX XXXX  XXXX XX/XX/2022 Balance - {$820.00}

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 2020-12-09
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
I recently sent letters over 60 days ago to the bureaus and they are disregarding a regular consumer dispute. I am beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and score.

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 2021-05-19
Company: R.T.R. Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received an initial letter from RTR Financial Services dated XX/XX/XXXX alleging I owed a medical debt. I sent a debt verification letter dated XX/XX/XXXX and received a reply dated XX/XX/XXXX enclosing an " itemized bill '' which showed amounts that did not foot, with a note across the bill saying " This bill is true and correct and each of the items shown hereon was necessarily furnished or supplied and the amounts charged therefore are the fair and reasonable value ''. Due to this bill not totaling to the amounts shown, and it does not look to be a proper bill from the hospital, I replied to this letter. The letter I sent back was dated XX/XX/XXXX ( received by RTR Financial Services on XX/XX/XXXX ), where I stated this reply did not validate the debt, and to also cease ALL contact with me. All contact was to cease via USPS, and via phone calls, specifically stating to not call my cell phone also. 

Today, XX/XX/XXXX, I received a call from a RTR Financial Services representative to attempt to explain the debt to me. I told them I do not know what this debt is for, and that I wrote back to them two times about it already and have return receipts to show they received the bill. I also stated that I said to not contact me and this call is a violation of the FDCPA. I stated for their recorded line to not contact me further about this debt. 

This complaint is to report the violation of the FDCPA, as shown below : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

The call they made did not meet any of the criteria in numbers 1 - 3 above. The call was to explain the debt to me which violated my do not contact request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-08
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In 2018 i signed up for loan forgiveness program with XXXX. I was originally with XXXX. I saw the offer if you work for a public employer make 120 payments your loan will be forgiven. A few of my coworkers signed up. I filled out the necessary paperwork and submit the information. My information was approved my loans were transfer to XXXX in XXXX. I received welcome letters in XXXX. The way my account is setup is misleading on the account it states qualifying payments 0 and qualifying payments remain 120. It seem like i was enrolled in the loan forgiveness program. I made the first payment then waited with excitement for my numbers to change. When that didn't happen two weeks later i called. They stated that i did not qualify for the program without a clear explanation. If i didn't qualify i am not sure why XXXX took over my payments when they saw what i submitted before my loans were transfer from XXXX. Not sure if this is a poly to get business. I have been employed with the same city employer for 13yrs. I never received any notice that states i did not qualify or needed additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a phone call on my work cell phone number which I have previously written, and Ditech acknowledge not to write or call on my phone number because of the nature of my business. Phones during the day can be a interruption especially due to the nature of my job and I had told them not to contact on this number. BUT today Ditech started their harassment ways again. I was contacted by a XXXX who works for XXXX who stated that he wants to speak to me and I asked him who he was and he said he was from Ditech. I told him that I have a cease and desist on my account and I provided other methods to contact me. I receive all their notices and they must send me at least 3 certified letters telling me how much I owe as well as threats to foreclose. I dont know why they need to call me on my cell phone, to tell me what I owe. I ask to speak to a Supervisor and an XXXX came on the phone. She then tried to tell me that since I applied for a modification that the cease and desist order did not apply since 2017. I told her I just asked for the modification not relinquishing my rights for communication. If a modification will be given then they can send my a letter, which I always get and I will get back to Ditech reps. This company is also calling my ex-wife harrassing her and telling her about my mortgage account, which is totally illegal. She is also considering bringing legal action for harrassment. From what I was told from my attorney, she on the property but not on the account and have no business knowing any information about my debt. That's illegal. She is not on the note.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm in the process of cleaning my credit and came across this account in my file. Please validation is need as I am unaware of this account. As per the fair credit reporting act please provide : 1. Copy of original contract with signature 2. Original bill with breakdowns 3. Notarized copy of the purchase of the debt 4. Copy of bond and license to collect in my state.

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 2020-12-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Ive mailed request four times to all three credit bureaus to remove fraud alert because its hindering me to purchase my home Ive sent certified Mail and fraud alert still on there and I need it permanently removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
During the month of XX/XX/XXXX I received a phone call from XXXX XXXX stating that there was suspicious activity on my account. Sure enough when I looked into the issue my entire bank account was depleted. Someone had accessed my card number and withdrew maximum amount of money at various ATMs in XXXX, RI. After I made a complaint with a XXXX XXXX, they denied me the money and said that those were not their issue. Due to the fact that the money had been taken out if XXXX bank ATMs they would not refund me anything. They told me to claim a second case which the same thing happened. After I filed a police report with the XXXX Police, and it was proven that the withdrawals were fraudulent, the bank still refused to give me my money back. It has now been over 7 months!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have been a victim of identity theft, i have no knowledge of the accounts attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: Trident Asset Management, L.L.C.
State: MN
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:
Trident Asset Management placed a collection account on my credit reports. The original account holder was XXXX Credit Card. XXXX  placed my account with another agency and I have paid it and it is scheduled for deletion from my credit reports. The collection agency, XXXX XXXX phone number XXXX. Trident placed this account on my credit reports on XX/XX/2020 in the amount of XXXX acct # XXXX and updated again on my credit report on XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Purchase agreement not compliant with agreed upon sales agreement/quote. Dealership ( XXXX XXXX XXXX  XXXX ) Finance dept. padded final purchase price and did not include agreed upon discounts. Exorbitant doc and 'other ' fees added to purchase agreement, and not as agreed. Advertising on back of vehicle not authorized. Buyer/Consumer never informed of manufacturer incentives and financing for which I qualified, due to prime credit score. Buying experience extremely unfavorable Dealership ( XXXX XXXX XXXX  XXXX ) engaged in deceptive, unethical, and fraudulent business practices ; including an excessively long purchase process. In dealership for more than 5+ hours after agreeing to automobile/price via email/phone. This resulted in Consumer/buyer paying appx. $ XXXX more than pricing agreed upon in sales quote.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Phoenix Financial Services LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter from a debt collector todayXX/XX/XXXX saying that They are collecting a debt from XXXX  an ambulance ride from XXXX hospital to the other. I thought that it was all taken care of because I paid off all of my debt to the best of my ability. I didnt hear from the ambulance company so I assumed that it was written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX for amount of {$1200.00}. I have sent XXXX XXXX XXXX a debt validation and XXXX XXXX XXXX has not responded to my validation and also has reported this to my credit reporting agency XXXX, XXXX and XXXX. This account does not belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of 2020 I found a collection on my account from LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES. XXXX XXXX advised me about this, and I paid them to get it verified. They never received anything back, and I just couldn't afford to pay them any longer, so I sent a certified letter to them on XX/XX/2020, which they signed for on XX/XX/XXXX, and I didn't get any response! I pulled a copy of my CR 's from all three bureau 's on the XXXX day, and they had not posted disputed as required by law. I then sent a second letter on XX/XX/XXXX giving them another 15 days to remove it from my report as they had not verified that I owed any debt to a creditor, nor did they show I owed them any money! I again checked my 3 CR 's and still nothing removed or shown as disputed, it was still there and not shown as disputed. I finally received a letter from them on XX/XX/XXXX more then 120 days from the letter from XXXX XXXX, and more then 22 days from the second letter, that stated they were looking into it and would get back to me. I just pulled my 3 CR 's today another 30 days, and again nothing has changed on my report! I have all my signed letter receipts, and I want this removed from my report. I have copies of my dated reports and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The following three credit agencies are reporting Two Bankruptices on my credit report that are in accurate, XXXX, XXXX  and Equifax stated that a third party agency XXXX XXXX  is reporting it. You can not verify through a third party, that is the fair credit law! I contacted XXXX XXXX, they removed the information that was reporting inaccurate but this is my Third time reporting to the credit bureaus and they REFUSE to remove it!! Its in violation to keep reporting inaccurate information on my credit report! Bankruptcy XX/XX/XXXX # XXXX BankruptcyXX/XX/XXXX # XXXX! I also have accounts that are inaccurate that are reporting XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Avant Credit Corporation
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The letter was to settle a debt that was transferred from XXXX or XXXX XXXX. Who I found out after speaking with XXXX XXXX that they transferred the debt back to XXXX XXXX. After I had requested a Debt Validation. My main concerns are they have not ever validated the debt that I request, and upon speaking with them they tell me I need to provide proof of the difference but that is their job as they are collecting on this account. I have never received a break down of how they come with the terms of what I owe. They also do not communicate or update me with anything in regards to this account. Not until I spoke with a collection representative named XXXX today XX/XX/XXXX at approximately XXXX that my account had a cease and desist which I did not put on the account. In addition to the debt validation and balance dispute ; When XXXX first took over this account in XXXX they never sent me any correspondence informing me this was an attempt to collect a debt or that it was in collections. I had a personal loan with Avant  or XXXX XXXX and when it had fallen behind I was under the impression I was with an in house Collection or team who would help me get the account in current status and not until I missed a payment is when all of a suddent this collection is on my credit and they demand the full payment or an unaffordable monthly payment. The whole relationship with this collection agency has been falsely represented and unfair from the start and they need to be fined or looked into on their practices. Furthermore, if this is a business who wants to settle or collect on a debt they would have realistic payments and at this point I am being yo-yoed and played with over a debt that could be paid for and settled. I don't know who to work with or make payments to when I do try to agree to some sort of terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: DISCOVER BANK
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Discover calls me at least five and up to six times every single day for three months now They have changed the number they use to contact me multiple times so multiple numbers have been spam calling me and harassing me on the daily The numbers they have been literally harassing me with are ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX I am evidently a student as I have a student credit card, so they are XXXX calling me during times that are evidently inconvenient for me My voicemail is filled because of all of the voicemails they leave and I can not receive important phone calls because they spam call me This is literal harassment because they call me on multiple numbers, multiple times a day which is very illegal to do when collecting debt under the Fair Debt Collection Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have sent certified letters to XXXX, XXXX, and Experian that I have accounts that are not accurate. I have been told the account was updated. When viewing the acct it is not accurate still. each bureau has different reporting information. Company XXXX is reporting a charged off acct as late payment how is there payments due on charged off acct. I have sent documentation to Experian and communicated with XXXX via phone. I have requested old addresses be removed from report due to identity theft also but that have not been completed. They are reporting c/o on an acct as if it is brand new it has already been charged off as bad debt in 2020. It is not charged off every month. Company took payment on charged off account after sending me a earned income statement. The bureaus will not report accurate information on my report. I just desire have accurate reporting information on my reports.

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 2022-05-01
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/21 this year I check my Equifax and there was XXXX XXXX  debt from the same company and also the same balance. I have requested them to take it off my credit report because it's open. I have not done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019 I received a letter from SunTrust bank stateted that a check of the amount of {$76000.00} was deposited in my bank account. stated the {$5000.00} was available now and $ XXXX would be available within 3/5 days later which it did. However, on XX/XX/2019 a massive overdraft was taking my account without further notification. I received a voicemail from XXXX stated that my account was overdraft to not further use. I contacted the branch manager, XXXX who was trying to help, but had no idea of what was going. He advised that the Chief Officer of SunTrust bank would be in contact with me. Its been a week later and no one really has any solution. Since I had recently filed for worker comps with my employer, I thought it was a check that was deposited in my account. Now my account is {$810.00} overdraft and no Suntrust managers know why the cause as my current employer check is being deposited funds in my account.

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