BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-27
Company: FirstPoint Collection Resources
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On Friday XXXX XXXX XXXX at XXXX AM EST I received a call from XXXX. When I answered the phone call the caller stated my name and address and asked me to confirm them. With identity theft on the rise I was hesitant to provide this without first knowing the identity of the caller. I asked the caller who he was and who he worked for and told him that I would not be able to confirm any information about myself until he told me what company he worked for. He told me that he could not tell me who he was or what company he worked for until I confirmed my identity. I told him that without knowing who he was I could not confirm anything. He then started yelling saying that " He tried, '' and he then hung up. I later googled the phone number and learned it was owned by a collections company, " XXXX XXXX, '' who broke the law illegally trying to collect an unknown debt from me by not identifying themselves to me when I asked what company they were from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Awar Holding Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX {$2800.00} I have send a letter asking to validate my debt and they just send me a bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4500.00}, {$4600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not 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
Consumer complaint received 2020-12-19
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. There are also a student loan on my credit and Im confused on how this is so because I dont even have a high school diploma. I am doing this on my own behalf and really need someone to help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: SUNRISE CREDIT SERVICES, INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I entered into a settlement agreement with the 3rd party that was assigned my debt. I did a full settlement in full and now the original company, XXXX is stating that I still owe on my debt and the settlement that I did was to stop the 3rd party from call me. This deceptive practices if I completed a settlement with a 3rd party that represents them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Due to my wife 's illness we paused our mortgaged payments from XX/XX/XXXX to XX/XX/XXXX under COVID relief. We were told in pausing our mortgage that we would not incur any interest or penalties in doing so. We were so thankful for this blessing as my wife was ill for over a year, and I transitioned from XXXX XXXX XXXX of 30 years with XXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX. 

Once we were financially stable enough to continue our payments we contacted Freedom Mortgage and were told that it would be no problem at all. We would just need to make XXXX payments on time, and then we would be able to skip a payment and then our loan would be modified without any extra charges. Meaning that the late payments would just be rolled back into the loan and the loan would become another 30 year loan without any other changes and it would not be considered a new loan. 

This is not what happened. When we paused making mortgage payments we owed XXXX when we signed the new loan modification papers we signed a loan for XXXX. We were charged XXXX for modifying this loan and no one from Freedom Mortgage can tell me what this charge is for. They just say you signed the paperwork so that this is what it now is. 

No one went over the papers we signed. We went by what we were told and were unaware that we would be receiving any charges. I asked several times if we would be charged and were told no. I asked if there were be a va funding fee and I was told no. I am XXXX XXXX XXXX XXXXXXXX from his 30 years of military service and from all of the medical conditions that were a direct result of my service we are now exempt from a VA funding fee. I was told that there is no reason given that the mortgage amount was increased. 

We signed those papers in good faith that what we were told by Freedom mortgage that due to COVID relief that there would be no interest or penalities accrued during this time. No one from Freedom Mortgage can tell me why we gained an additional XXXX onto our mortgage, but because we signed the papers that no one reviewed with us that is what it is. 

We need this XXXX, XXXX removed from our mortgage principal as a verbal promise was made that we would have no penalities or interest accrued while our mortgage was paused. This also was not discussed with us when we signed the new mortgage papers. No one reviewed the paperwork with us we were just told to initial and sign to get back on track after our XXXX consecutive payment was made. 

This is a travesty and is unjust that we are being penalized and additional charges were added, but no one at Freedom Mortgage can tell me why these charges were added, what they are for or anything else. 

Please help to resolve this 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 2020-04-25
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I paid XXXX XXXX off in an agreed settlement. I filed a dispute with Equifax letting them know that its paid in full. On or around XX/XX/XXXX, they updated my credit report to show paid in full and at a XXXX  balance. On or around XX/XX/XXXX, Equifax placed this closed account back on my credit with a $ 2,900+ balance. Im not sure what theyre doing, but this has caused my credit score to drop 30 points! Ive called them about this 5 different times, Ive spoken to a supervisor, and all they want to do is keep opening disputes instead of correcting their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

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 2017-07-07
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Over the past year I have been electronically,  XXXX , financially,  XXXX ,   XXXX   XXXX   by corrupt law enforcement,  landlord  and his firemen friends. They stole many items of min e, one being a credit card out of my lock box. I contacted the company, reported it to the credit bureau and the IRS. Attempted reporting it to police but they just laughed, I also called the  XXXX  State Police but they refused to help. I 've moved to   XXXX   and the  XXXX  has continued. It 's difficult  getting help when it 's the police causing the problems. There 's many issues of  XXXX  going on in my life and I have many documents and the electronics to show what I 'm telling you is true. I 've reached out to the FBI for help but they apparently also do n't care even though my current landlady 's husband was just prosecuted by them for many of the same issues involving local politicians.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-25
Company: EQUIFAX, INC.
State: CA
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:
Victim of identity theft here. 

On XX/XX/2020 I received a notice on XXXX XXXX of a " XXXX XXXX XXXX '' hard credit inquiry through Equifax. 

XXXX XXXX does not provide a dispute mechanism and they referred me to you. 

Can you please assist? 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My vehicle was repossessed in XXXX XXXX. A settlement offer letter dated XXXX/XXXX/XXXX was mailed to my home earlier this year. This letter offered to settle account with a stated principal balance due of {$7900.00} for 30 % of this amount. The settlement total amounted to {$2300.00}. The letter further stated that there was a 60 day window to accept the offer. Unfortunately at the time I had no knowledge of the settlement offer as I was incarcerated from XXXX XXXX, XXXX until XXXX XXXX, XXXX in the XXXX XXXX XXXX. I contacted Santander and explained this. I also sent them a letter with proof of incarceration to no avail. I would like the opportunity to consider this offer as it was impossible for me to do so initially as I lacked knowledge of the offers existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions n accordance with the Fair Credit Reporting act Convergent Account # 120156, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This credit card debt was discharged in a XXXX  XXXX Bankruptcy and was successfully discharged in that Bankruptcy. I used an attorney at the time to handle everything, and we confirmed at the time everything was included and discharged, and that nothing was forgotten. This was a major debt of the bankruptcy, so obviously it was included. You can tell by the AGE/DATE of the debt, and the DATE of the XXXX  XXXX Bankruptcy filing that it was OBVIOUSLY included in the Bankruptcy, but they keep fighting for it telling the Credit Bureaus that it is a valid debt when it isn't. It was part of the driving force to achieve this debt relief when the decision was made to file the bankruptcy. DATES DON'T LIE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Synovus Bank
State: FL
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:
On approximately XX/XX/XXXX a representative contacted about a balance I owed to Synovus Bank by XXXX a debt collector. I agree to a settlement to resolve the account in the amount of XXXX and asked the representative to call me back at the end of the month as I am on a fixed income and could'nt make the % XXXX payment of XXXX until the end of XXXX On XX/XX/22 I received a call from XXXX who processed the payment of XXXX and agreed to call back for the additional payment to be processed. XXXX called on XX/XX/22 and said the payment was attempted and was declined I attempted to explain that I was on a fixed income and needed the payment to be attempted after XX/XX/22 at that point XXXX became rude and was speaking over me and not allowing me to explain, he then stated that since I was unable to pay on that date that the settlement agreement would no longer be valid and that I would need to make a new one. I called back and " a supervisor '' who listened to my complaint and made no attempt to resolve anything. Based on my treatment by this company I disputed the original payment of XXXX with my bank and feel that I did nothing but attempt to resolve this account with this company, on a fixed income and during a pandemic. Who is doing that? And this is the way I am treated. I don't understand how these people are allowed to operate and why they haven't realized that you get a better result by treating people with empathy, respect and concern as opposed to hostility, threats and disrespect. As I explained to XXXX XXXX this debt is not a pressing issue for me but I was still attempting to resolve it fairly and was treated horribly because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: SLM CORPORATION
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: Account information incorrect

Complaint:
These loans were paid in full in 2019. I have emails from Sallie Mae that show my balance as {$0.00} for each loan. When I disputed their reporting that my accounts were still open and that I still owed a balance, I provided the said emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently viewed my credit report and noticed Credit Control Service reporting an alleged debt. For starters, I have never done business with Credit Control Service and do not owe this company any money. Ive mailed two letters requesting validation and proof that I have done business with them. They have yet to provide any documentation. It is absurd that this company put something like this on my credit file. I found that to be odd because for one the credit bureau is to report nothing but accurate information about me. So how are they supplying information to the credit bureaus about me when they could not provide me with validation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: MI
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:
Im accordance with the fair credit reporting act XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX/dept of Ed account # XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX I noticed on my credit report accounts from XXXX XXXX which I disputed as to their validity and also that the accounts were already paid under another debt collector and requested deletion. I never received information on the account in the 30 days nor has the account been deleted from my credit report. The delinquency is also listed as initially in XXXX which would as per XXXX OWN credit reporting policy of older than 2 years from initial delinquency it should have been deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have a paid subscription with Experian who provides a Fico score XXXX which is used by most lenders. The membership includes credit monitoring. My transaction monitoring is currently disabled. This monitoring service will send out alerts when there are changes to my account balances, and debit and credit transactions. This information  will then effect my fico score. On XX/XX/XXXX Experian deleted my account with XXXX XXXX company. I had just received a credit limit increase of {$300.00} which would have made my credit limit {$1100.00}. When I contacted Experian about this account, they informed me that because I filed a dispute on XX/XX/XXXX, that XXXX instructed them to delete the account. I contacted XXXX and they told me they didn't give Experian the authorization to delete the account. It was deleted from Experian and XXXX. I think Experian is purposely trying to keep me from increasing my credit score. So these are the 2 issues I'm disputing with Experian

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