BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-03
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHOENIX FINANCIAL SERV XXXX PHOENIX FINANCIAL SERV XXXX PHOENIX FINANCIAL SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHOENIX FINANCIAL SERV XXXX PHOENIX FINANCIAL SERV XXXX PHOENIX FINANCIAL SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with XXXX, but it is serviced by Nationstar Mortgage LLC. I will usually make an additional principal payment on the first of the month along with my normal mortgage payment. There are three times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) when they incorrectly apply my additional principal payment. Instead of going 100 % to the principal, they will treat it as a prepaid mortgage payment. This causes me to still pay the interest that is owed for the next month 's payment. 

At the current rate, I have the potential to pay 10s of thousands of dollars extra in interest over the life of the loan since they will not correctly apply my payments. I have to call in everytime to fix the issue, and they tell me that I am doing something wrong, when it is there system that is messed up. 

I'm luckily enough to working in finance, and I track my own mortgage payments down to the penny in my own spreadsheet, so I know when something is messed up. I'm concerned about all the other people who think they are making additional principal payments, but the mortgage servicer is screwing them out of thousands of dollars over the course of the loan. This is stealing. This is fraud.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Experian Information Solutions Inc.
State: MI
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:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section XXXX and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was not able to make a payment on my Quicksilver Capital One credit card due date on XX/XX/21. So I called them up and told them that I can only pay them in two days. I asked them if they can put a note on my account and if I can avoid the hefty XXXX dollar fee. I made the payment as promised. Today I checked my account and saw that they still charged me the fee. 

I called them up to complain and the rep ( XXXX ) said there was no way for her to remove it because the system is not letting her. I asked to speak to a supervisor. I spoke to XXXX and she said the same thing. It's outrageous. First of the amount of XXXX dollars is outrageous but also that they blame their system for not being able to credit me back. Capital One is clearly NOT a consumer friendly bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, Pursuant to CFPB Complaint XXXX, Santander charged off the last two payments of a 36 month auto loan opened in XX/XX/XXXX, that I had requested the company to respond to regarding their predatory 13 % interest rate. They were in the courts and news at the time for predatory practices, which made me examine more closely how much profit was being skimmed from the loan. Instead of responding to my request - they never initiated collection - but instead sent men who harassed me, followed me to and from work and home, and not once tried to speak to me or repossess the car which was always visible and easily accessible. 

In retaliation, every six months, Santander reports erroneous late payments to XXXX, causing a 25-40 point drop in my credit score. The loan is closed and has been since XX/XX/XXXX. Currently, the XXXX and XXXX payments of XXXX have been reported as of last week by Santander as delinquent. I saw the change in XXXX XXXX, checked the Santander closed account, and yet more payments were now showing up as delinquent. I immediately filed a dispute with XXXX, however can we stop this predatory reprisal. It impacts my credit and takes time to resolve. Since their pattern of abuse and fraud is recognizable, can you help me have them remove erroneous late payments that have long since been charged off with account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I made a promotional purchase of {$3300.00} two years ago, saying Synchrony Credit Card Interest Free with big letter on XXXX XXXX promotion sign. Then I applied and started to pay it back each month. In XX/XX/2019, after 24 months from then, only {$1400.00} remains on balance. However, starting from last month, Synchrony Bank was charging me additional {$2100.00} dollars interest, saying it is the 24 month deferred interest, which I was never unaware of. 
I was never given notice about the deferred interest of {$2100.00} before it appeared on my bill. No one informed me about this from beginning and during payment period. What I received is just an email eStatement monthly, showing how much remaining balance and the due date. There is no any indication about 24 months payoff requirement. And it is my first time to hear about the term of " deferred interest ''. 
Therefore, I felt being misled by the promotion of " interest free '', instead of " deferred interest ''. 
I have a good credit score history and never miss any purchase/credit card payment. However, this time, I feel unfair about the {$2100.00} interest from a mere total {$3300.00} purchase. If I was clearly told about the deferred interest at the very beginning, I would not apply the card at that time.

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 monetary relief
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: NV
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 recently started montering my credit and I notice accounts on my credit profile that I have never been made aware of until now. My information was compromised due to XXXX  's data breach and I would like these accounts removed from my credit profile

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 2021-05-08
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They contacted me and identified the debt amounting to {$140.00} and I never received information to verify and validate the debt.

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 2020-08-23
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: Account status incorrect

Complaint:
I was a victim identity theft. I tried to work with the creditor back in XXXX but they refused to work with me on any level. After several years I have spent many months repairing my credit. I hired a credit counselor and a credit/fraud attorney as well. My personal information along with several credit card numbers which include the account in question was found on the dark web. Several purchases were made by someone other than me with the account. I have sent a letter to the creditor on XX/XX/XXXX ( signed and delivered ) informing them of what information has been found, the police report filed with the local police department and the report filed with the Federal Bureau of Investigation as well. They have sent me a response stating they will not remove the negative remarks from my credit file stating I opened the account but not referencing the identity theft of fraudulent purchases I spoke of. I sent another response on XX/XX/XXXX ( signed & delivered ) stating everything again and letting them know they have not addressed my original concern and I have not received a response back. I have also sent all this information to the three credit bureaus and two out of the three of them have removed the marks  already. Equifax has not responded to my request nor have they removed the remark. XXXX and XXXX have both responded and both removed the negative remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My complaint is against a collection agency that is trying to collect on an old debt that was paid for in full after it went into collections. I was never notified by mail or phone call about this. So now its been over nine years and I found out about through all three Credit Bureau 's. This Collection agency /Trident Asset Mangement is saying I owe {$2800.00} and refuse to remove it. So I got a hold of ( XXXX ) since they are the once 's that i had service with. XXXX now has no account listed with me since the debt was paid and is 9 years old. XXXX suggested that since its off the chart for me not to pay ( XXXX XXXX XXXX XXXX ) anything and to report it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: BTH Management
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Plaza Services - Failure to provide proof of alleged debt. I was not properly notified of an alleged debt that Plaza Service was reporting as an " open unpaid {$280.00} collection '' on my credit report. On XX/XX/XXXX is when I received a copy of my credit report and noticed this alleged debt. When I did see the {$280.00} reported by Plaza Services on my credit report I immediately took action. I sent a letter via mail contacting Plaza Services on XXXX XXXX 2017 asking them to verify the alleged debt. In the letter I also stated if the debt was legit and I truly owed {$280.00}, I would pay Plaza Services in full for a complete deletion from all three credit reporting agencies. I have yet to receive any written proof of this debt as of X/XX/17. I have given Plaza services more than enough time to respond, and provide me with proof of the alleged debt.

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 2019-03-21
Company: EQUIFAX, INC.
State: NC
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:
Equifax and XXXX are reporting me 120 days late on the XXXX/XXXX   partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25
Company: Stewart Information Services
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I REFINANCED MY HOME WITH XXXX XXXX XXXX  IN ILLINOIS. 
THE OWNER IS AN ATTORNEY BY THE NAME OF XXXX XXXX. 
HE KEPT MY ESCROW MONEY IN THE AMOUNT OF {$160000.00} AND NEVER RETURNED IT. 
THE COMPANY GOT SHUT DOWN FOR FRAUD. XXXX XXXX, WHO WAS THE UNDERWRITER, WAS NOT RESPONSIBLE TO ME BECAUSE XXXX XXXX WAS COMMITTING FRAUD. THE ESCROW ACCOUNT HAD MILLIONS OF DOLLARS IN IT WHEN IT WAS SHUT DOWN. XXXX STILL PRACTICES LAW TODAY AND LET HIS WIFE GO TO JAIL. 

HERE IS DOCUMENTS FROM MY LAWYER XXXX LIED AT TRIAL IN MY CASE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Chapter XXXX Bankruptcy-XX/XX/2017 I never filed for bankruptcy I have disputed this information with : Experian XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA 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 2018-05-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have requested the information reported either be removed, or that Chase Bank show me where I personally requested, authorized, approved or signed for this credit card. I even had my attorney contact them personally and they can not or will not show me this information. Their only response is " we have looked into this matter and conclude it is accurate ''. I did not request or authorize this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
From XX/XX/2018 till XX/XX/2018 from my Wells Fargo checking and saving accounts were withdrawn and made transactions in amount of {$7200.00} in XXXX. I have not withdrawn money and have not made those transactions. Plus, I have never given permission to withdraw money and make those transactions to someone else. Also, I live in the United State and have all legal documents to work here. I pay taxes and I am a decent man, but my legal status does not allow me to leave The United States of America. That is why I could not be outside of the country and spent money there. In the period of time when the money was withdrawn and transactions were made, I did not use my debit card and did not check my online banking account, and I had no idea about the withdraws of money and transactions. Wells Fargo Bank refused to refund stolen money on such grounds the bank actually accused me of a fraud which is a criminal offense. Please help me resolve this problem and get my money back. Thank you very much!

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 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I dont know why XXXX is on my report as a negative item. I have XXXX service now. Its stating that i open this account back in XXXX. That the account went into collections for {$570.00} in XX/XX/XXXX. This is false i've tried fixing this and they say the have no record of it and they only see my account that is active now which is current.

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 2019-03-07
Company: CITIBANK, N.A.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have sent multiple letters to CITI/CBNA to verify the debt they are reporting to all three credit beuares negatively impacting my credit worthiness. CITI/CBNA has never contacted me back with a validation or responded to my letters. The amount they claim I owe is {$1500.00}, and I have submitted many of disputes in XX/XX/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 2019-03-21
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PayPal keeps allowing people to scam me using their service and when you report it they take the side of the seller no matter what so they keep fees. 

A seller named XXXX XXXX sold a diamond ring through XXXX then changed the details on the cad after payment. When I canceled ordered and filed dispute for refund thru PayPal he claimed he closed his PayPal account and was not refunding me. At which point the seller ships a blank envelope to my address and PayPal considers my purchase of {$1200.00} on a diamond ring their decision to refund even though the seller has scammed me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-04
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter from Amerifinancial Solutions advising of collection amount in {$630.00} and not verifying the debt was owed by me.

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 2019-03-21
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
IQ Data International XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/19. This company called me trying to collect a debt for XXXX XXXX. After putting me on a 4 min hold, this woman comes on the line and starts talking really aggressive towards me. Im okay because I can deal with a rude person. But after that, she starts insulting me, verbally attacking me, and then she mentions my wife by name in a way that implied were going to ruin her too. She then says by this conversation we got all we need out of you. I asked what does that mean and she dodged the question and then said youre waisting my time and h/u. I never in 100 years would talk like that in my personal life, let alone a place of business. I now dont know what they are going to do with my personal information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation