BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: Resurgent Capital Services L.P.
State: KY
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:
XX/XX/2022 - sent email to RESURGENT CAPITAL SERVICES To date, I have records of factual documentation where RESURGENT CAPITAL SERVICES has made absolutely no effort to rectify this situation and has continuously and very aggressively acted in bad faith to breach my personal and private data. 

Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Franklin Collection Service, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up for XXXX service in conjunction with an Internet service the Internet service site that I signed up with said no contracts no prepayment penalty I moved from the location I was that in 2017 XXXX continues to send to 3 different credit bureaus collection agencies demand for payment of the {$200.00} I have spoken with XXXX on several occasion 's I have repeatedly told them show me send me a copy semi a recording where I agreed to pay a {$200.00} termineation thing and now this case is with Franklin collection service inc XXXX  Mississippi case numbers XXXX I do not believe I owe this debt and they continually send it to another collection agency please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I've had student loans with XXXX since the early XX/XX/XXXX. I was paying on an online system through XXXX, then XXXX, then Conduent. I am not on special payment plan and have never consolidated my private loan or signed any new terms ; I started paying interest plus principle on it the moment it was due, and have been paying regularly and without fail for 10 years. 

On Friday, XX/XX/XXXX, I went to the conduent website ( here : https : //www.conduenteducation.com/XXXX ) to send money to my private loan. I saw the payment go through and received an email verification. On Saturday, XX/XX/XXXX. I went in to my account to pull my student interest payment statement to do my taxes. At that time, my private loan was gone. It was no longer listed at all, and I could find no indication that it ever existed. ( I have pdfs of both days, which I have attached below ). 

Let me state that again -- in a matter of 24 hours, my XXXX loan being serviced by Conduent that I have regularly paid each month for over ten years through the same service has disappeared from my queue and has evaporated from my account. It is GONE. 

There was no email and no follow-up -- it just appears my loan is now invisible/inaccessible to me. ( Maybe it has been sold to a new entity? ) Either way, this is unacceptable. I now have no idea how to pay this loan -- where do I send it, and to who?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Got approved for a 2-month forbearance after hurricane Harvey in XX/XX/XXXX. 
Loan servicer tried to add 10 months to the back of the loans, instead of just the two. They lower my payment by almost one dollar. This was after a 3-month successful trial period, in XX/XX/XXXX. It took them 5 months to resend me the loan modification documents. 
Collection calls begin in XX/XX/XXXX. Signed revised modification agreement in XXXX XXXX Letters start to arrive in the mail threatening foreclosure in XX/XX/XXXX. 
After being refuted on their claims, because not a single payment was missed the entire time, except for the forbearance ones, company backs off and stops collection threats. in XX/XX/XXXX, servicer sends another loan agreement for me to sign, and just like the one in XXXX, it adds 10 months to loan. This time, payments are lower, but the numbers are still way off. The financials are very murky and not solved as of XX/XX/XXXX. 
I have no trust in this companys ability to handle my loan accurately and with integrity. 
The name of the servicer is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Two months ago, I paid off an installment loan as well as several credit cards. Both XXXX  and XXXX  increased my points by over 70 while Equifax deducted a lot of points. I have tried several times calling to speak with an Equifax representative, but have not been able to speak with a human. There is no reason why they should deduct points from my credit file, and I would like someone to investigate this matter to determine their competency level in regards to accurate credit reporting, and scoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
At XXXX, XXXX in XXXX AZ in XXXX of XXXX. Time share presentation represented as vacation points. Verbally told to open an XXXX account w/ them ( I already had an XXXX account ) in the amount of XXXX. The amount of a XXXX percent down payment. Verbally told no payment or interest for one year. Membership to start in XXXX, can cancel at anytime. Did not understand that the real estate transaction superseded verbal agreement. 

Received XXXX bill immediately, with interest. Tried disputing XXXX charge, never activated XXXX card. XXXX will not honor any verbal agreement. I am responsible for full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been 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 2020-04-19
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 am a Victims of Identity Theft. I Never Authorize this Account I want This Account Removed From my Credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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:
when my credit cards debts increases by sometimes less than {$20.00}, my credit score drops by XXXX to XXXX points I do feel that is fair and is bad business, because if they drop my credit scores every time my credit cards debts drop {$20.00} or less, my credit score will always be low, that not right. I need my credit report audit from all 3 reporting bureaus, because something is not being done on a professional basis.

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 2020-05-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX has a partnership with Synchrony Bank which caused Synchrony bank to charge me {$10000.00} in financing for a project that New Age Security was getting ready to work on for me. Before the project began, XXXX XXXX XXXX informed me that I would have to pay a processing fee of {$1700.00} before financing could be processed, so I withheld on paying that processing fee so the financing would not be processed. It came to my knowledge that XXXX XXXX XXXX and Synchrony Bank went ahead and processed the financing without me even paying that {$1700.00} processing fee. They did this without my consent or knowledge. Since, I cancelled the project before it started, they are claiming that I owe them {$2600.00} for the work they already did. I did not consent for them to process anything and they insisted that I pay for the work they already completed. So, they insisted on sending their completed work to my place of residence, which they never sent. Which then again proves that they are trying to cover up that they processed that financing illegally. Initially they charged me {$10000.00} fraudulently and I called and resolved it, then they went back about a month afterwards and fraudulently charged me {$2600.00}. My guess would be that they agent I was working with ( XXXX XXXX XXXX went ahead and paid the processing fee on his own so that he could gain his commission from the sale very quickly. This fraudulent debt has hardened and prevented my process of purchasing my new home amongst many other things.

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 2016-03-14
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Again, I received a letter from Nationstar Mortgage on XXXX XXXX, XXXX dated XXXX XXXX, XXXX. In the letter they claimed that my HAMP Tier 1 and Tier 2 were declined based on XXXX eligibility requirements. Secondly, they claimed that I did not send them all the documents requested from me, and also I did not send them promptly. These claims are lies and not true. Every time they requested documents I faxed the documents to them ASP same day through the fax number provided in their request letter. I have boxes full of the documents faxed to Nationstar Mortgage. Attached are the XXXX letters I received from Nationstar, XXXX in XXXX XXXX, XXXX, and the other I just received in XXXX XXXX, XXXX. The reasons for the denial of my HAMPs Tier1 and Tier 2 are totally different in both letters. Attached are the XXXX letters. They are not consistent with the reasons for the denial of my HAMPS Tier 1 and Tier 2 modification. Also, attached is the letter I received on XXXX XXXX, XXXX for your perusal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

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 commisions identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: DISCOVER BANK
State: UT
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:
Discover Bank is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to XXXX and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Discover Bank report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Discover please take leniency on my hardship and remove any 2020 lates as a one time goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Experian Information Solutions Inc.
State: NY
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 dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22
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:
XXXX XXXX XXXX is reporting a derogatory item on my credit file with XXXX, Equifax and XXXX. This account does not belong to me and I have requested for specific documentation under Section 609, 611 FCRA which requires XXXX XXXX XXXX to provide specific information to me such as copies of authorization to pull my credit, the times and dates of the authorization to pull my credit, copies of any purported contracts or agreements. Although I have requested this information XXXX, Equifax and XXXX  continue to report the derogatory item on my credit report. As of the submission of this complaint XXXX XXXX XXXX has refused to provide the required information under Section 609 FCRA and XXXX, Equifax and XXXX  continue to report the derogatory item in violation of The Fair Credit Reporting Act. Please find my 4th Notice to ALL parties under Section 609, 611 FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: SUNRISE CREDIT SERVICES, INC
State: WA
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:
-XX/XX/2020 contacted the company advised this was a fraudulent account. 
-Filled out form disputing charge advising of identity theft. 
-Issued was resolved in XXXX -In XXXX, the debt was sold to another company that stated they did not have any records of the dispute. This appears to be illegal under U.S. Code. 
-Attempted to contact debt company to advise of this incident XXXX, and they had no record of initial dispute. 
-On XXXX, XXXX reviewed my account and realized that this debt was addressed ; however, that a new debt agency is now holding the debt. This is also illegal under U.S. Code. 
-The company in question is Sunrise Credit Services , from NY.

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 2019-08-27
Company: NCC Business Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The following company refused to provide me information pertaining to a debt in which I paid off. Upon completion of payoff, they refused to send me a " Paid In Full '' letter by mail and did not provide me any information or notification about their practices as to how I could request a copy of the debt or billing statement showing it was at a XXXX balance. When I attempted to call the agents and managers they played games, told me I had to send a request by email only and upon doing do said they responded stating they wouldn't send me the information to the email I submitted the request from. When I called to complain about the process the reps taunted me over the phone, used inappropriate responses and pretended they were going to hang up on me. It was extremely inappropriate and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax has failed to investigate the fraudulent activity on my credit report. I have sent them the FTC report, Identity Theft affidavit, and my identification documents and I have not heard anything from them. The FCRA states in the event of identity theft, credit bureaus have days 4 to investigate the credit file and notify the account holder. They are in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27
Company: Credit Card Receivables Fund Incorporated
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2018, Unifund CCR LLC filed a lawsuit against me. In court Unifund failed to serve me many important documents, misinformed the court many times ( told the court that " I '' was " confused '' during this year long lawsuit and either intentionally confused the court and myself or the attorney did not look at documents and records being submitted. Unifund 's counsel argued telling the court that I was using the court order to compel arbitration to argue FDCPA violations on another account owned by Unifund, which was not true. 

In arbitration with XXXX XXXX XXXX ( AAA ) ... 
I file two demand for arbitration cases with XXXX. One was a court ordered case and the other case included an account that was never in court. The court ordered XXXX case was closed by XXXX due to Unifund failing to pay their filing fee. Unifund 's counsel commingled the two credit card accounts into the XXXX case that contained the credit card account that was never in court. Their answer to my demand for arbitration was never served to me despite asking multiple times asking about it. When the case manager emailed me what Unifund submitted, I immediately filed objections because Unifund had commingled two different account numbers in their answer. I even listed which exhibits were for each account. It was VERY clear they were commingled considering there were documents on a $ XXXX credit card and a $ XXXX credit card with different credit card account numbers. We had our initial conference hearing in XXXX with the arbitrator. Unifund 's counsel either flat out lied to the arbitrator to try to confuse the parties or Unifund 's counsel did not take the time to read my objections that were served to her that spelled out which exhibits were for which credit card. Unifund 's counsel kept telling the arbitrator that I was lying and that ALL the documents were in reference to one account number. We got nothing accomplished at the hearing because Unifund 's counsel just kept calling me a liar and wouldn't give me time to talk. Needless to say, the arbitrator ending up making an award for both accounts because Unifund 's counsel kept submitting the documents for both. I never had a chance to even defend myself in the $ XXXX lawsuit because Unifund 's counsel either didn't look at the documents or was intentionally trying to confuse myself, the arbitrator and the court. I would expect more from an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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: Was not notified of investigation status or results

Complaint:
on XXXX sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring 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 2020-07-15
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this notice is my demand to cease and desist collection activities prior to validation of purported debt and you must validate the collections claim of an alleged debt. You must provide verification that an actual debt really exists now or ever existed.

Company response to consumer: Closed with explanation