BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is the second complaint I have filed against an erroneous charge filed by XXXX XXXX for a phone purchase I never made. My first account with cfbp was # XXXX which was closed by XXXX on XXXX XXXX. Now, on XXXX XXXX XXXX has simply rolled this file over to another Collection agency : Sunrise Credit Services in XXXX, NY for {$1300.00}. I have called this company twice to explain this unjust report with no resolution ... both times I was told they would send me a Fraud Report but nothing was ever received! How can it be legal for XXXX  to simply roll this charge over and over to multiple collection agencies without any action to resolve this charge against me who never had this phone or address listed. My Excellent Credit Score has gone from Excellent to Good twice now!!!! I don't want this to continue and reporting to cfpb is good but not enough if XXXX XXXX doesn't take responsibility.

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 2023-03-23
Company: Phoenix Financial Services LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Dispute Center Let 's get started by taking a look at your report. 
Completed Disputes XX/XX/XXXX Phoenix financial serv XX/XX/XXXX Phoenix financial serv XX/XX/XXXX DISPUTE CENTER Report Number XXXX Date Generated XX/XX/XXXX PHOENIX FINANCIAL SERV Account XXXX Updated Information on this item has been updated Submit a new dispute with additional relevant information to XXXX at XXXX XXXX XXXX, XXXX XXXX TX XXXX. 
File a Complaint You may file a complaint about XXXX or the company reporting the item, with the Consumer Financial Protection Bureau or your State Attorney General 's office. You may submit a compliant to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or by mail at Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX IA XXXX XXXX 
Dispute With Other Bureaus There are 3 credit bureaus that report your credit information : XXXX, XXXX, and XXXX. You should check all three credit reports to be sure that the information in each is complete and accurate. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Disputes on XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Disputes on XXXX Our specialists are available to assist you : Mon - Fri : XXXX to XXXX XXXX Contact us : ( XXXX ) XXXX Report Number XXXX Date Generated XX/XX/XXXX Before After PHOENIX FINANCIAL SERV Your information may have changed since XX/XX/XXXX Account info Account name PHOENIX FINANCIAL SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$730.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$730.00} Balance updated XX/XX/XXXX Original balance {$730.00} On record until XX/XX/XXXX Payment history XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX Historical info Original creditor XXXX XXXX XXXX Balance history XX/XX/XXXX Amount of this account was {$730.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Your statement Y ITEM DISPUTED BY CONSUMER Comment : Current : I have never received a billing statement from these companies. I do not know about this debt. 

Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

This item was updated from our processing of your dispute in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: Dwight Financial, Inc.
State: CA
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:
My personal XXXX credit report score decreased by more than 50 points as a result of improper reporting of a debt more than 7 years old per FCRA regulations. 

I contacted Dwight Financial Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, A XXXX ( XXXX ) XXXX and they would not correct. Also, I contacted the XXXX  credit agency on XX/XX/2019 and was told my dispute was already processed and since Dwight financial will not update their records the item will remain on my credit report. 

I believe this reporting violates the FCRA 7 year rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Central Portfolio Control Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a debt collection in my name for {$6700.00} and opened XX/XX/2020. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: TX
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:
I did not authorize nor consent to the following inquires being furnished on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I had two 0 % APR balance transfers on my chase credit card ending in XXXX. I made a couple of purchases on that card accidentally and setup a chase pay on it. When I set up the chase pay, it gave me the option to select interest saving balance for automatic payment to pay the minimum due + the chase pay due. It was not clear that even 0 % APR balances would be included in that as they would not accrue interest and seemed like would not be included in the interest saving balance. 

In any case, as soon the automatic payment was sent to my bank on XX/XX/XXXX, I realized the issue and stopped the payment. At that time, I spoke to chase and was told that was the only way to correct the payment and that once the payment was returned I should manually submit another payment. The payment was returned and I assumed that everything was fine and made a manual payment. I was not charged any interest on my XXXX statement and hence assumed everything was resolved. 

However, on the XXXX statement I noticed I was charged interest and reached out to the customer service and thats when I realized that when the payment returned somehow my balance transfers were made into purchase. I escalated this issue so the balance could be properly bucketed back as balance transfer and not a purchase. 

I received a letter stating that the balance transfer promotions could bot be restored to my account as too much time has passed since the balance transfer was submitted. I am not sure they understood the issue correctly. The balance transfer were initiated in XX/XX/XXXX and XX/XX/XXXX. But they were incorrectly bucketed as purchase after the payment return in the XX/XX/XXXX statement. I believe that a balance could not be just made as purchase when I did not actually make a purchase. I have following issues 1. I did not make a payment to pay off my balance transfer. It was done by chase auto pay tool which was not clear that it would pay off the entire balance including 0 % balance transfers 2. Then, when the payment was returned it was incorrectly labeled as purchase instead of balance transfer.

I would have gladly accepted returned payment fees as that was my mistake, but charging the interest and also ending the balance transfer was not fair.

So, I would request you for the following resolution 1. Either bucket the balance into the original balance transfers and refund the interest 2. Or, I can pay off the entire balance, but it is only fair that the interest be refunded and balance transfer fee adjusted for the period left.

I appreciate your time in understanding the issue and hope we could reach a fair resolution. Thank you and let me know if you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: VA
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:
I had one account with XXXX XXXX XXXX  which was in great stands by the way since XXXX. I received and alert equifax, XXXX XXXX and XXXX XXXX  from my credit report stating my loans were paid and full 100 % of {$27000.00} and the account was closed XX/XX/XXXX. Then a week later I received another alert about dept of education XXXX who is a debt collector. They told me XXXX gave them my infomation ( without my consent ) or notifying me and that i should reach out to XXXX XXXX and I did so. XXXX XXXX said that my account was in great standing per the woman XXXX and hung the phone of because i ask her for a paid in full paper due to them reporting it to my credit report. then stated the account was closed paid and full. still never told me that they transfer my account collector without my consent. You can not settle federal student loans or private student loans that are in good standing. With both federal and private loans, a student loan settlement doesn't become an option until you enter loan default. My student loans were not in default. I was not notify of anything no via mail, via email, via phone. This matter had really. XXXX report 9 account of student loans account to my credit report that all have the same account number. XXXX reported all to my XXXX This matter has put me in a deep XXXX. I did not consent to any of this matter and will be reporting this to the FTC XXXX XXXX {$0.00} paid % in full DEPTEDXXXX XXXX {$5300.00} XXXX {$4500.00} XXXX {$1200.00} XXXX {$4600.00} XXXX {$2200.00} XXXX {$2000.00} XXXX {$3500.00} XXXX {$3900.00} XXXX {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hi, I consolidated my student loans with XXXX XXXX inXX/XX/XXXX and it appears my loan was sold to XX/XX/XXXX who changed their name to American Education Services ( AES ). My original loan amounts are as follows : 1. Beginning balance {$2400.00} ( sub ) Current balance {$2300.00} 2. Beginning balance {$1900.00} ( unsub ) Current balance $ {$1700.00} 3. Beginning balance {$14000.00} ( sub ) Current balance {$13000.00} 4. Beginning balance {$14000.00} ( unsub ) Current balance {$13000.00} Totol due as of XX/XX/XXXX {$31000.00} I have been making payments towards my student loans since XX/XX/XXXX, over 10 years and I still owe {$31000.00}?? Something is wrong!!! Since XX/XX/XXXX, my payments were between $ XXXX- {$200.00} and as of XX/XX/XXXX, my payments are {$380.00} a month. 
I have contacted AES on several occasions to have them explain to me why I still owe them so much money. Unfortunately, their response doesnt justify the money I have already paid over the years and the remaining balance. I have been trying to research who I can speak with to have my consolidated student loan researched for accuracy. Hopefully you will be able to assist me. 

Here is the contact information I have for AES : American Education Services XXXX. XXXX  XXXX XXXX, PA XXXX XXXX American Education Services XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: NC
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:
Dear CFPB, I have attempted on multiple occasions to resolve the matter with my mortgage company, XXXX XXXX. Negative late payments from XX/XX/XXXX to XX/XX/XXXX, during the COVID-19 Mortgage Moratorium, are incorrectly being reported to the 3 major credit reporting agencies by my lender XXXX XXXX XXXX  XXXX Based on the passage of the CARES ACT of XXXX, sec. XXXX and sec XXXX protects consumers under the Mortgage XXXX period. Additionally, my loans were also impacted by hurricanes XXXX and XXXX in XXXX and XXXX. 

The lender acknowledged and sent letters to consumers stating that they will not penalized borrowers whose income were negatively impacted during the hurricanes of XXXX, XXXX and COVID-19 in XXXX. However, they are reporting late payments on my mortgage loan XXXX from September 2021 month-end to XX/XX/XXXX during the period of the COVID-19 Mortgage XXXX. 

I would like to ask the CFPB to assist me in getting the lender to remove all negative late payment history at the XXXX major credit bureaus on my XXXX XXXX  mortgage account XXXX from XX/XX/XXXX to XX/XX/XXXX. 

Thanks in advance for your assistance with this important matter. 

Regards, 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 2019-04-03
Company: EQUIFAX, INC.
State: PA
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 requested my free annual credit report on XXXX and only received the XXXX report. For Equifax and XXXX I only got vague messages that the report could not be retrieved. I tried to find help on the Equifax and XXXX sites but anything regarding credit reports directs you to a pay page. I can see no reason why these can not be provided and feel that this is fraud and the companies are unhappy providing this free reports so they send you just a vague message that you can't get it. Last year this happened from me with just Equifax, this year XXXX apparently is having " unexpected issues '' too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-09
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My monthly student loan is approximately {$90.00} per month. Around XXXX 2017 I made a conscious decision to try to pay off my loan a little faster. So I contacted Navient and explained to them that I want my additional payments applied to my principal. They stated that they would do it but a few months later when i checked back my loan did not decrease it was practically the same. I called back and they said it was applied to future payments and i explained again that i didnt want it applied to future payments but applied to my principal but to this day they are still applying it to future payments and not my principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There is a credit card from capital one in my name that I didn't apply for which is over XXXX XXXX in debt on my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-09
Company: Guild Mortgage Company LLC
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
The nature of the compliant and/or Problem : XXXX XXXX of Guild Mortgage conducted a bait and switched on the client : XXXX XXXX for financial gain. As per Ms. XXXX, she was informed by Ms. XXXX that she was Pre-Approved for a FHA loan for her condo purchase. The client had $ XXXX for down payment, yet she was stirred into a Hard Money short term investor loan. The clients understanding at that time about this tactic and hard money loans was nonexistent. If the client was provided all of her viable options at that time, this situation could of have been avoided. 

The supporting documentation is for visual illustration and review. The client is seeking action against all parties listed. The client has a scheduled foreclosure sales date of XX/XX/XXXX. The client would like to see the foreclosure postponed, delayed and investigated. The client would like to conference with you regarding this matter if required. 

Application date : XX/XX/XXXX Mortgage Amount : $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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: Was not notified of investigation status or results

Complaint:
On XXXX/XXXX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60days so they should be deleted promptly I demand these accounts be deleted 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 2018-10-03
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I live in XXXX, Texas and sometime in XXXX of this year my ex-girlfriend lifted personal information without my consent during a visit. She went to XXXX XXXX, Michigan and made an unauthorized charge of {$1600.00} to XXXX XXXX to make repairs to a vehicle. Instead of following correct procedure and calling my phone number, she handed them the phone and someone claiming to be me gave them my personal info. When I asked her about why she did this without asking me she texted me saying, " I was scared you were going to say no! '' Despite this evidence, despite the negligence of the staff in their method for obtaining consent for the charge, and despite the fact she made unauthorized phone payments again using lifted personal information that I did not give her consent to use, XXXX and experian claim their investigations found nothing. There are still {$250.00} or so that they claim I owe for a charge I never made. This is on file with the XXXX XXXX, TX sheriff 's office under case XXXX. They still have not arrested her as far as I know and she has changed her number and ignored all my attempts to contact her. I don't know if this is some kind of sexism because I'm the male partner in this relationship or why she is being treated like she is innocent and I am being treated like I should just pay even though I am the victim but it is ridiculous. I demand that XXXX XXXX and XXXX to be investigated for misuse of my credit card information and errors in their fraud investigation procedures and that the credit card charges wiped out or transfered to the guilty party, one XXXX XXXX, and to be recognized for what they are : Fraudulent unauthorized charges! I want letters sent to my credit reporting agencies apologizing for this lapse in justice. If anyone should be slighted for these missed payments, its her. I never agreed to the terms of her making payments via phone to my card directly. I tried to press charges to have her arrested. Now I don't know if that's in the scope of your powers or not, but for some reason the Sheriff isn't making any moves and I don't know why. The whole thing is frustrating and defies reason. I can provide more than enough evidence that she admitted to wrongdoing in text messages and XXXX has information on the multiple permutations of her name and fake names used to may phone payments.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: TX
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:
I received my credit report on XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me from getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also attached the hard inquiries that have no purpose on my credit report.

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 2023-03-23
Company: Collection Management Holdings, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I didn't even know I had the debt from the ER. 

I did not receive notice that I owed money, I did not receive notice that it was going to collections. 

The collection agency that took over my debt, did not call, did not send a notice to me that my debt was passed over to them. I got an email on XX/XX/XXXX that my credit score had dropped XXXX points. When I logged into my account it said I had been sent to collections. Luckily XXXX had the collection agency contact information. I contacted the collection agency immediately and asked about these bills. Only to find out this agency had dinged my account on XX/XX/XXXX and never sent notice to me. 

The dates were from one provider at the ER in XXXX XXXX, FL XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I would have paid these if I knew they were out there. XX/XX/XXXX I checked my credit, as I was in the middle of a divorce and was in the process of repairing my life financially. They weren't on the credit report then. When I asked the collection agency when they took over the debt, they said the medical provider sent in XXXXXXXX XXXX XXXXXXXX How am I suppose to pay a bill if I didn't receive notice. And secondly when was the collection agency going to let me know? 

As far as paper work.. I have none. No bills from the hospital. No letter stating my account is being moved to collections. 
No collection letter from the agency that took over my debt from the hospital. 
If it wasn't for XXXX I wouldn't have known about any of this.

Company response to consumer: Closed with explanation