BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-07
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This debt is for a credit card from XXXX XXXX XXXX. I sent a letter to the bank in XXXX explaining I could not pay the bill due to fees every month, balance increasing due to fees I could not catch up. I hoped they would work with me. All my paper work is gone from that year. XXXX & XXXX I received a letter from LVNV Funding LLC. I wrote them explaining I did not have a job and could not pay. I never heard from LVNV again until XX/XX/XXXX. LVNV Funding stated they were suing me, {$2200.00}. They won by default. Since it was so old I have no paperwork to defend myself. XX/XX/XXXX it appeared on my credit report noting account opened in XXXX. That year is wrong. Like I said this account is from XXXX. This account is so old I have no way of retrieving information from the bank due to the bank being sold to another. 
LVNV Funding is being very deceptive. They should not be allowed to hold on to a collection for 9 years send a letter demanding money and then put it on my credit report with a notation, account opened in XXXX. LVNV continue to contact me requesting money. Now they have my email. XX/XX/XXXX I received an email from LVNV requesting money. XX/XX/XXXX I received an email from XXXX XXXX XXXX collection working on behalf of LVNV Funding LLC. XXXX is requesting {$2200.00}. XXXX is demanding a reply within 30 days to set up a payment plan. Is this going to continue until I die? 
I'm XXXX and live on SS. I have no home of my own, no car of my own, no money. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 would like to file a complaint because a bankruptcy is showing on my consumer report. 
The United States Bankruptcy Court does not furnish, provide, or sell information to 3rd parties like credit reporting agencies. This information was obtained from XXXX XXXX who gets information from Pacer.Gov which is public access to electronic court records. XXXX XXXX is a for profit company, and sells consumers information to the consumer reporting agencies. My social security number is not a public record, and if I did not report it, and the United States Bankruptcy court did not report it, then an account was created on my behalf, without my consent, and that is identity theft. 15 US CODE 1681B Permissable purpose of consumer reports ( a ) ( 2 ) of this law states that any consumer reporting agency may furnish a consumer report under following circumstances and, no other In accordance, with the written instruction of the consumer to whom it relates to. Permissable purpose equals written instruction, without permissable purpose is identity theft.

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 2023-02-22
Company: Absolute Resolutions Corp.
State: CT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom It May  Concern, 15 U.S. Code 1692F Unfair Practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. 
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. 
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. 
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. 
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 
( 7 ) Communicating with a consumer regarding a debt by post card. 
( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: BROKER SOLUTIONS, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Contacted XXXX XXXX ( XXXX XXXX ID # XXXX ) at New American Funding about qualifying for a Refi loan on my home. He sent me URGENT Accept eConsent-New American Funding ( XXXX and video on how to complete the eConsent. Sent all sources of income for XXXX. Mr , XXXX stated that the underwriters could not use any part-time income earned during XXXX and that my full-time income did not qualify me for a loan. I contacted Mr.XXXX that I had made an error with the employment start date and it should have been XXXX instead of XXXX. Mr. XXXX recalculated the numbers and stated that the income did qualify for underwriting but he had to do an employment background check. This conversation happened on XX/XX/XXXX. I called Mr. XXXX on XX/XX/XXXX, and he said that my income didn't qualify and I needed two years of history although I had W-2s supporting all income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-01
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 XXXX XXXX, and I am submitting this complaint and there is no third party involved. Thiese accounts are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, Equifax and XXXX Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behaviour and willfully in the violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY. 
NAME : XXXX XXXX ; Inaccurate Addresses : XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$660.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$550.00}XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$270.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} ; INQUIRIES : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXX XXXX I Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a medical debt collector that is reporting from Synerprise Consulting/SCS, on a closed collection account. This company is apparently trying to collect an unknown and unverified medical bill that they are reporting on my credit profile without proper and legal verification that this is indeed my debt. 

I am concerned because I was married and had a few of my ex-husbands bills sent to me inaccurately after he refused to pay them. Since this is a medical related bill, I have requested to see documentation of the HIPPA release and medical services and dates rendered to simply verify that this account is valid. This company has failed numerous times to present this information. In fact, the matter was recently investigated by XXXX and the collection item listed from this company was immediately deleted as of XX/XX/2020. 

Synerprise Consulting/SCS has failed to reach out to me in writing as requested and they continue to report this erroneous information to damage my credit profile. Their accounting and medical collections practices should be investigated further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was eligible for a Forbearance Plan on XX/XX/XXXX by my servicing company Fay Servicing in the amount of {$16.00}, XXXX. 

As of XX/XX/XXXX I received a delinquency notice to pay the total amount {$16000.00} to bring my loan current. 

I was offered the option by Fay Servicing to put the arrears amount at the back of the loan and my mortgage payment will increase slightly. 

I was told by XXXX XXXX, a representative of Fay Servicing that it wasn't the total arrears amount they agreed on so Fay Servicing returned my mortgage payment that was sent to them and requested me to pay a substantial higher amount that I was not able to pay. 

On XX/XX/XXXX I requested from Fay Servicing , LLC for a loan modification on since my business has suffered a financial hardship as a direct result of COVID-19. 

I was asked for more documents which was sent before the date Fay Servicing noted on the letter for my loan modification request. 

I have not received any response from Fay Servicing , LLC regarding the loan modification request instead I recently found out that on XX/XX/XXXX they filed a complaint for Foreclosure of A Mortgage with the Court Index No. XXXX against my property. 
I strongly believe Fay Servicing , LLC has violated my rights for failing to provide me with the protection against foreclosure required by Law. 

Furthermore, my loan modification is still pending with Fay Servicing , LLC and I haven't received any denial letter in reference to my loan modification. Instead, I am receiving calls from their representative XXXX XXXX, stating to me that my interest rate is already low I need to come up with other alternative in paying this loan back. 

Fay Servicing , LLC has illegally launched a foreclosure proceeding against me while I am actively looking for help to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Payment History : ( first payment due XX/XX/XXXX ) XX/XX/XXXX = {$1100.00} XX/XX/XXXX = {$1100.00} ( payment on XX/XX/XXXX and XX/XX/XXXX had issues for some reason ) XX/XX/XXXX = {$1200.00} XX/XX/XXXX = {$1300.00} XX/XX/XXXX = {$1200.00} XX/XX/XXXX = {$1200.00} XX/XX/XXXX = {$1200.00} XX/XX/XXXX = {$1200.00} XX/XX/XXXX = {$1100.00} XX/XX/XXXX = {$1200.00} XX/XX/XXXX = {$1200.00} XX/XX/XXXX = {$1200.00} This is my payment history according to SPS 's records. 

They send me more than one Notice of Default - Right to Cure and more than one Changes to my interest rate and payment letters. I have never missed a payment ; I'm not sure after the 2-3 months of contacting SPS on XXXX regular basis they have not corrected the issue. Even after reviewing my transaction history, more than one manager sent escalations to the cashier department. 

I believe problem in their system started when finally approved a payment deferral I requested earlier in XXXX. They approved the request late ( XXXX ) XXXX or XX/XX/XXXX ; I ended up not needing the deferral and they cancelled it. IN THE MEANTIME, I never missed a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried/signed up for a phone plan with XXXX XXXX back in XXXX of 2020. I never received the SIM Card in the mail after 3 times calling and them saying they sent it. I could not utilize the phone or service during this time and was never able to use the service because I never received the SIM card to activate the plan. After hours of time trying to get help I was unsuccessful. Finally I got so frustrated I canceled the plan and signed up with XXXX. 

I kept receiving bills to my e-mail from XXXX and called more than 3 times and was assured the plan was canceled and not active and I should disregard the bills. Well they never stopped coming and I called/chatted/etc ... at least another 3 times and kept getting the runaround. Well sure enough I recently received an email followed by 2 letters from a Collection agency called Convergent Outsourcing Inc . I watched my hard earned credit score plummet XXXX Points!! 

This is an outrage, I tried and tried to call XXXX but that call everytime is routed to Convergent where they give you the same runaround. After asking for a supervisor etc I was once again assured this will be dropped and go away. Well surprise I got a " Final Determination '' letter in the mail the other day saying " This debt is valid, attached is verification of the debt. What was attached were the bills I kept receiving from XXXX even though I had never used their service not even for one minute! 

You simply CAN NOT speak to a person at XXXX unless you are signing up for a new plan. Other than that you are on your own. Horrendous experience from such a prestigious company they have gone horribly wrong. 

Please help me get them held accountable.

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 2023-08-06
Company: CITIBANK, N.A.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
This phone number that comes up as Citi Home Depot continues to call me at least four times a day leaving me a message in my voicemail for the last month. Their phone number is XXXX. I tried to call them back but they want a account number or my social security number and there was is no way to reach a customer service rep. I would for them to stop calling me cuz I do not have a Home Depot account and there is no way to tell them this so will you please get this stopped for me. Thank you

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 2018-12-12
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I took out a loan with Wells Fargo Dealer Service on XXXX. My first payment was due on XX/XX/XXXX. This payment was automatically sent from my bank and applied on XX/XX/XXXX to my WFDS loan. Each month my bank would automatically sends out the payment. In XXXX of XXXX I started to send in a Apply To Principal Only Payment by a check that I made out each month along with the automatic payment coming out of my checking account. Everything was fine until XX/XX/XXXX. With this payment they only applied a portion of the principal to the loan and also took interest from the apply to principal only payment. I was able to resolve this issue quickly. 
Payment and extra Principal Payment were applied correctly until XXXX and again they tried to apply my separate principal payment to my monthly payment amount. This has been going on for several months and not getting corrected. I have called several time and have been told it would be taken care of. As of today XXXX it has not been resolved. They continue to apply my extra principal payment to the regular payment and take interest out of the apply to principal payment. I had a very long conversation with a lady named XXXX last night and got nowhere in fact she is telling me I am ahead on my payments. I asked her several times if they could correct the mistake and fix my principal payment. She is telling me if they do this I will be behind on my XXXX payment. This can not be. I have sent in 31 original and 27 apply to principal payment. How can I be behind if I request them to fix their mistake. This is just not acceptable. I want this fixed the proper way and without them telling me I will be behind on the payment. I can't be behind because a payment goes to them automatically each month. I manually send in the Apply To Principal Only payment clearly stated on the check and also the payment slip. THIS NEEDS TO BE FIXED 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 2020-01-17
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company Midland Credit management which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation