BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call at all hours day and night. I don't owe the amount they are claiming. I would file BK if I could afford to in order to get them off my back. They threaten to contact family members and my job. HELP!

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 2019-10-22
Company: Experian Information Solutions 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:
On more than 3 occasions I have requested that Experian verify the accuracy of the information that they were reporting for XXXX XXXX XXXX XXXX XXXX. They stated that the information was accurate. 

I asked them to re-investigate the accuracy of the information because it was not accurate. They stated that they would not re-investigate the information unless I had additional relevant information. 

It obvious to me that the furnisher of the data for this item is not doing a good job at providing accurate information to them. I should not have to clean up their mess This account was charged off and sold to a XXXX  XXXX XXXX XXXX collection agency. They claimed that they verified this account as accurate. They did not do a good job of verifying this information. I have attached a copy of a letter from XXXX XXXX XXXX XXXX referencing this account. 

Why does it have a balance after being sold to a collection agency? It should have a zero balance. 

This account is being illegally reported on my credit report after my repeated attempts to have you correct the data. Now I am demanding that you delete this account from 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 2020-02-05
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Continental Credit Control in XXXX XXXX has been re-opening my old debt I paid 9, going on 10, years ago. They have been hounding my credit every week adding a dollar to my fake collections every time I dispute this. They have been received horribly in all online forums and complaints portals such as XXXX, and XXXX. They do not follow Californias statute of limitations nor am I finding anyone willing to help the thousands of us that are experiencing these scams. I paid this collection 9 years ago and I will not give my information to them over the phone to end this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being charged for {$380.00} from a collection agency for a debt allegedly owed to XXXX XXXX XXXX XXXX. I switched over to XXXX XXXX XXXX from XXXX but during my trial period decided to go back to XXXX, I returned all phones directly back to the XXXX XXXX XXXX store and was refunded the fees I paid for all 3 phones. A few months later XXXX XXXX XXXX was harassing me saying I owed over 3K, so after calling in and getting no resolve. I went back to the original store returned the phones and spoke to the rep ( XXXX ) who returned my phones. she called XXXX XXXX XXXX and said the issue had been resolved. She advised me to keep my receipt showing I returned all the phones and the money was refunded and not further money was owed and the account was fully closed. and now I am being harassed by XXXX XXXX XXXX for {$380.00} they claim I still owe XXXX XXXX XXXX  {$380.00}, this bill is fraudulent and I need it removed from my credit asap. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a loan with XXXXXXXX XXXX back in XX/XX/XXXX for $ XXXX to buy my home. It is allegedly now being serviced by Caliber Home Loans and they have failed to give me a complete payment history of payments made to XXXX  and transferred to them in XX/XX/XXXX.  Also I paid into an escrow account for taxes and insurance and they have failed to pay me the 2 % interest at the end of the year. I have now had to join a class action and they keep deny sending me the requested information. They are also trying to unlawfully foreclose on my property when it is in BK and I only owe them $ XXXX. ( See attached RETRAN document ). Please audit this loan asap. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2018 : Credit limit lowered, chase bank siting overall credit utilization too high ( 53 % ) even though utilization is lower than it was before a balance transfer to a new card/issuer. My card was nearly maxed out with chase so to make it easier to get out of debt, I transferred the balance to a new card/company with a lower interest rate and higher credit limit to keep overall utilization down. The existing balance did not give chase reason to reduce my limit until after it was transferred and they were no longer making money off the interest. This reduction has negatively impacted my credit score. And they will not review without doing a hard inquiry on my credit, which can also lower the score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company sent me a notice dated XX/XX/21 stating that i owe {$530.00} on an alleged debt from an alleged creditor named XXXX SECURE COMPANY. I have no knowledge of this company or why they would have my place of abode information. As a consumer this is a violation of my rights by this company as well as the alleged creditor above mentioned who most likely sold my information to this debt collection agency for profit. In the communication with i the consumer the company used both language and symbols to indicate that they are in the debt collection business. They also outright stated that this was an attempt to collect the debt. I never given this company any authorization to contact me nor have i contracted with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I consistently called these companies during the month of XX/XX/XXXX : XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date- XX/XX/XXXX Creditor Name : XXXX/XXXX XXXX   Inquiry Date- XX/XX/XXXX After being ignored by these companies I reached out to Transunion XX/XX/XXXX to have the incorrect information removed from my credit report. 
Transunion has failed to respond to my dispute letter sent on XX/XX/XXXX within 30 days. I have enclosed a copy of the return receipt which Transunion received on XX/XX/XXXX at XXXX. ( Tracking Number :  XXXX ) It appears that my rights have been violated according to the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Hello, my accounts have been frozen to protect me from the fraud thats been happening on my account. There are 3 inquires that do not belong to me and I wake up. this morning to 4, even though my account is frozen! 

XX/XX/2022 shows an inquiry for XXXX XXXX which is apart of transunion. A soft pull with lending tree, simply logging into their site, was coded by transunion as a hard inquiry despite my credit file being locked. This is against my consumer rights and rights as a united states citizen and this is the XXXX time transunion has violated my account. 

The first time they gave me a year free of mytruidentity. 

This can not keep happening as i'm trying to buy a home and your company is playing with my profile. 

My account has been frozen since XX/XX/XXXX XXXXXXXX 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 2021-08-14
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX. XXXX AND XXXX XXXX Creditor : XXXX. XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on XXXX  XXXX AND XXXX XXXX Creditor : XXXX. XXXX AND XXXX account number ISNT DISPLAYED with a balance of {$0.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Have been attempting for several months to have these collections removed from my account that via Section 609, the bureaus can not prove are my accounts. Many of these collection agencies are not licensed and bonded to collect. These are fraudulently placed on my account and do not belong to 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 2018-06-11
Company: United Collection Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Employee number XXXX ( XXXX, XXXX, XXXX, all same man ) has repeatedly called me and when I ask for verification he hangs up on me stating he is done with the call. I have asked to speak with the supervisors only to be given another name but the same gentleman. They tell me that there is only him Monday- Friday. No one else can assist me. Very rude and unethical communication. Ceist and disist is inorder for not following proper procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was affected by the pandemic like all Americans. I fell behind on my mortgage payments due to an illness wherein I had to take care of my wife and the increased expenses from the medicine and health aids that were necessary. I then fell behind on my mortgage. I had a modification in XXXX and phone calls placed to the servicer on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting the prior modification. While the documents were promised on all three phone calls, the documents have not been received as of the date of this complaint. On the XX/XX/XXXX phone discussion a forbearance plan was inquired about however I was told it was no longer available. I have been receiving collection calls the entire time by my servicer. On XX/XX/XXXX I contacted my servicer and explained that my church had helped us with {$700.00}. The servicer told me to send it in and I did XX/XX/XXXX. They accepted the payment. They then called with a repayment plan ( a 6 month term ) on XX/XX/XXXX. This was not affordable to me as we are both retired and live on a fixed income. I then speak to the servicer today ( XXXX ID XXXX ) XX/XX/XXXX and was told that I could pay {$1200.00} and stall the foreclosure. I then contacted everyone I could think of to raise the money. I also knew my next check does not come until XX/XX/XXXX so I called back to try to work something out. I was told by XXXX ID XXXX that the earlier information was not correct, that I had to reinstate in full. I asked if I could have the repayment offer again only over 12 months so I could afford it. No, I was told that because the loan had been referred to an attorney ( I have not been served ) that there is no way to get back on track without a reinstatement. I explained that it is not affordable and since the foreclosure had not been filed, can we please work something out before I get legal fees on top of what I am behind. XXXX advised that there was nothing that could be done and they would move forward with the foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: EQUIFAX, INC.
State: GA
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 unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted Equifax, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
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 applied to see if I would get pre-approved for an auto loan today XX/XX/20 but unfortunately I was not because apparently there are four accounts reflecting badly on my credit report. The accounts were opened with these companies. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. None of those accounts belong to me ; I have ever opened an account with any of those companies and I have never allowed anyone to open those accounts in my name. I have never signed any contract or agreement with those companies nor did I get anything out of those accounts such as money, goods, services or any other benefit and I never made payments towards those accounts. I don't know who opened those accounts without my permission but I have already filed a police report with all of the information I have in the moment. I also filed a compliant with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was sent {$11000.00} around XXXX. I cant get the exact dates because Suntrust has a temporary hold on my account and I cant access my statements. When my deposit came, Suntrust immediately put a hold on my account. Its been 3 months, going on 4, that Suntrust still has a hold on my account and have still not closed my account to send me my money in a check. I call every other week and they give me the same  response, We talked to the Fraud department and we cant give you any explanation other than there is still an on going investigation on your account. I asked them, why? My account STILL has yet to even be closed! That money was supposed to go to bills, my child, school, and I still have yet to receive anything but a vague answer. And they then go on to say my account is in a high end investigation meaning they grouped many accounts into different groups to investigate. The problem is, I shouldnt even be grouped with anyone else because my money was a money transfer. Please investigate this problem because I believe they are inappropriately using their power to hold onto many peoples money. Theres been a lot more people in my same situation with Suntrust bank.

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 2018-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
today is XX/XX/XXXX of 2018 i got an email that there is a change on my credit report. 
Im trying now to pay my credit cards so my credit score will go up.Any way i sign in to the report and i see that was an inquire under my name and social security.

I suspect for long time that my credit score is low .cause im always paying my credit cards on time .The reason i thought is law, my husband had an XXXX card and he got for me also a card .Ans he straggle paying it and XXXX close his account and it react his credit. 
but this morning when i got that email i got really scared .a few weeks ago someone used also my debit card but since i check my online banking everyday immediately i called my contact at the bank and they issue for me a new card. 
i will attach the email i got and so is my credit score page Visit Capital One Theres been a change to your XXXX  credit report. 
Heads up : A lender requested a copy of your credit file. 

Visit the Alerts section of XXXX  from Capital One to review a recent change in your XXXX  credit report. To protect your privacy, we arent including any confidential details here. 
Sign in soonstaying on top of your credit can help you defend yourself against potential fraud or identity theft. 
Sign in to XXXX Download the XXXX mobile app, if you dont already have it. 
( This is the email i got today ) Ill attach a screenshot of my credit page

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is against XXXX XXXX XXXX ( XXXX ), a debt collection agency. The agency did not follow the procedure stated in their demand for payment. 
The first statement and demand for payment includes the following statement : If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt, or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. I sent a written dispute, and have not received any further communication until a second statement and demand was received two months later. 
Chronology : XX/XX/XXXX : Received 1st statement and demand for payment ( {$350.00} ) dated XX/XX/XXXX XX/XX/XXXX : Mailed dispute letter with proof of debt satisfied by certified mail, return receipt XX/XX/XXXX : Received and signed by XXXX XX/XX/XXXX : Received 2nd statement and demand for payment dated XX/XX/XXXX The above documents are attached. 
It appears XXXX is insisting that I pay even though I have disputed the debt and have never received verification of the debt. I believe there is no verification since the obligation was fully satisfied by my insurance company. Further, I now assume XXXX has attacked my credit rating. I did not rate over 800 credit rating by being a deadbeat ; I have never failed to pay a debt in my life. I can not get the hospital or the collection agency to actually pay attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief