BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-13
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke with this collection agency on XX/XX/XXXX. I made them aware that I was not familiar with this account and I needed something to validate the amount owed and the other account information. They sent me an email that only listed their name and the amount owed. The lady on the phone said they were not able provide any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: CITIBANK, N.A.
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:
I found out in the earlier part of last year that I was accepted in Law School so I started reviewing my credit report to make sure there were no disparities so that I could qualify for student loans that upcoming fall quarter and I discovered an student loan from Citibank was reporting a balance of {$3900.00} ( as of XX/XX/2020 {$3900.00} was written off and {$1000.00} was past due ). First I contact the company that was originally listed with Citibank on the XXXX report and they were called XXXX XXXX. XXXX XXXX informed me that they no longer had the account and that it had gone back to Citibank. I contacted Citibank right after the phone call and Citibank informed that there was no debt associated with my name or social security number after sending me to numerous departments. So I went ahead and filed a dispute with XXXX and let them know the information I was given. I began law school and started accessing my credit reports again and the account was still on there so I filed another dispute in the months of XXXX, XXXX and XXXX. To no avail the account remained and XXXX reported the debt was valid. I continued to file disputes in 2020 and called Citibank an additional 2 more time and was told every time that there was not debt for the amount listed on the credit report associated with my social security number. All of this information was once again sent to XXXX and the results of their dispute remained for the months of XXXX, XXXX, XXXX and XX/XX/2020. As of 2020 XXXX started not only reporting the possible debt as a charge off it is also reporting it as being late. This account has led me to becoming so depressed I do not see a way out. As of know I will not qualify to go back to school next Fall because I will not qualify for student loans due to this negative mark on my credit report. I am distraught because I have work so hard to get to this point in my life. If I do get to finish law school eventually I will be the first attorney in my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I mailed a Sears credit card payoff XX/XX/XXXX. The check had my name and last 4 of my account on it. It was cashed and not applied. I called multiple times wondering where my payment was and why it had not been applied yet. Finally, I sent a copy of my cashed check and they said they found it and it would be backdated and applied. It is now XX/XX/19 and it says I am due for XXXXXXXX XXXX payment and it has still not been applied to my account. I received a letter that said it would be applied within 2 billing cycles. I should have a credit of over {$200.00}. This is completely unacceptable. She is looking at the check while I am on the phone with her and it was cashed a month ago and it is still showing up on my credit report that I owe over {$1100.00} when I should have a credit. She can not explain to me why it can take up to 3 months ( if you include the time it was cashed ) to apply this payment to my account.

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 2021-07-16
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am XXXX XXXX and went on forbearance during Covid19. Mr. Cooper approved my forbearance and said I didn't need to worry about making my mortgage payments. I was on unemployment collecting {$2000.00} a month. Now that my forbearance is done, I called and applied for loan modification and was denied because they couldn't lower my payment, that's what they told me. I told them I am not looking for lowering my monthly payment, I am back to work and can pay higher amount, I have asked for deferment of the past due, I have asked for payment plan, and I have asked for loan modification. I have even offered to pay {$30000.00} towards the past due amount. and all of this was refused and I was told sell my house or they will foreclose.

I am currently behind {$75000.00} in mortgages payments. My last letter to Mr. Cooper asked if I can pay {$30000.00} towards the past due and if they can divide the rest into 12 months. or defer it. Today they told me that was denied as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Linebarger Goggan Blair & Sampson LLP
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Around XX/XX/2018 we received a letter from Linebarger regarding a delinquent toll in the state of Colorado. We live in Oklahoma.

The letter makes several false and deceptive claims.

1. By not paying they will put a hold on your vehicle registration.

This claim is false and only applies to Colorado citizens. Additionally, per toll authority, this action only applies if you are delinquent and continue toll avoidance.

2. The firm altered the document to state fees of {$2500.00} for not paying. The actual fee is {$25.00} per toll authority.

This is another scare tactic that is uncalled for, unnecessary, deceptive, false, and abusive.

3. The firm had our license plate number from a sold vehicle with someone elses mailing address and name attached to the bill.

When calling to find out information on the toll bill the firm refused to speak to anyone but the person on the toll bill who was using our vehicle tag registered in Georgia.

So the company was attempting to collect a debt from us by billing a random person in Georgia with a different name racking up fees for their company.

Unjust enrichment.

The firm had no interest of clearing up the matter. In fact, the employee said the only thing he could do was take full payment.

However, he was required to state we could dispute the debt by mail.

Even though I made it clear the name or address werent ours he continued to collect a debt illegally.

4. I called the toll authority and they instantly cleared up the issue. Why this law firm chose to do business this way is worth investigating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
well I lost my home 2017 BOA Transfer my loans services to different loans services entities and this is last i have XXXX XXXX XXXX XXXXXXXX this company and BOA never want to WORK WITH ME so my home was sold and me and my family become 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 2021-04-13
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
More than twice I have contacted Credence and asked they verify the debt and also provide me with the process, and contact information validating my debt. I let them know during this time I had a lot of fraud with my SS # and credit being used. I requested documentation bearing my signature showing where I have agreed to ever pay Credence or the other company they are collecting for. Upon my requests I get the same stall tactic letter in response. " We have investigated and verified the debt is is valid and belong to you ''. Never have they sent me the process, or who validated this debt. They also were requested by the big 3 credit companies to do the same and XXXX XXXX nor XXXX XXXX were able to provide the validation the law states they must provide. I have been requesting this data since XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 went to buy a jet ski for my daughter for the summer, but in order to get it financed my credit had to get pulled. I found a fraudulent bankruptcy and couple of inquiries that are not mine. Please remove these things from my 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 2018-10-19
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I received two unsolicited emails on XX/XX/XXXX from pay pal. The first asked me to " confirm my email '', the second " welcoming me to pay pal ''. I do not have, nor do I want to have a " pay pal '' account ''. I do not do business with pay pal. Pay Pal is either opening an account in my name without my permission, or allowing some one else to open an account in my name fraudulently. I did not authorize a pay pay account and I am concerned that pay pal is stealing from me or allowing some one else to do transactions in my name. I do not and will not do business with pay pal and I want any pay pal activity in my name to be stopped immediately as it HAS NOT been authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery placed a collection on my XXXX account that has been disputed and can not validate the account per the CFPB CONSENT ORDER rules and agreement as follows as attached. 
1.Portfolio Recovery is misprespresenting the debt on my credit report as attached and without validation. 
2.Portfolio Recovery can not provide account level documentation and do not have enough information to investigate the account they claim to be able to collect per their letter to me XXXX XXXX, 2016 and in response to my letter to them XXXX XXXX, 2016 both are attached. They want me to provide the information to that they do not have. 
3. I never opened a XXXX account. 
4. They never sent copies of any validation such as requested in my letter to them XXXX XXXX, 2016. 
5. They are violating the Consent Order XXXX as outlined in my attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2022 @ XXXXpm I received a Credit Alert that XXXX XXXX XXXX credit was closed out. XXXX. I immediate contacted XXXX @ XXXXpm and for 20 mins phone call conversation received the most unprefessional customer service respect from a supervisor by the name, " XXXX XXXX I encourage for her supervisor to pull that call that supposedly be recorded for quality and control. I was calling to see why my credit card was closed and she just did not let me speak and try to talk. I gave up talking to her and just knew I had my rights to compliant thru the CFPB. She said that " typically '' cards are closed after 12 months with no activity. With her disrespectful attitude I just let her go and I would like a darn good explanation why my card was closed without my permission?

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 2020-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been a Bank of America customer for over 10 years. One day they closed my 3 business accounts and all my credit cards with them. This happened on XX/XX/2020. There was about {$400000.00} in all the accounts. After they closed my accounts they put a freeze on my accounts. When I call they keep giving me the run around how it is in the back office and dont know anything.

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 2022-01-09
Company: Experian Information Solutions Inc.
State: PA
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 recently received a copy of my Experian, XXXX and XXXX consumer report and I noticed some inquires on my consumer report that I did NOT authorize and NOT attached to any open accounts. 
XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX. XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: National Credit Systems,Inc.
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:
National Credit System is reporting a debt on my credit file that is not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If National Credit System is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX and XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Experian Information Solutions Inc.
State: GA
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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 2020-10-09
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a medical bill from XXXX  which I am trying to resolve with my insurance company to pay. They requested additional information which I have provided but have yet to resolve the issue. 
The debt was acquired by a company called Phoenix Financial in the past few months : PHOENIX FINANCIAL SERV Phone : ( XXXX ) XXXX Business Type XXXX Street Address : XXXX XXXX XXXX XXXX XXXX City : XXXX State : IN Zip : XXXX They have been calling both my personal and business phone on a daily basis. Sometimes hostile in nature. For the past 2 months they have been adding new ( major ) derogatory marks to my credit report. While I understand that this can happen with a new collection agency acquiring debt, or a change in payment status, there has been neither in this case. This is clearly a tactic to push out the effective date of my debt on my credit report, and to damage my credit score. 

This can affect things where my credit worthiness is taken into account which can include not only purchases of a car or a house, but necessities such as insurance or deposits required for utilities. 

I think this is an unfair practice predatory in nature and possibly illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received some information from Congress about my disclosures, that I noticed that we did not discuss, nor was it written in my documents at the time of the loan agreement. 


Your company is in clear violation of the law. Under 15 USC 6802- Obligations with respect to disclosures of the personal information. THE LAW CLEARLY STATES : ( b ) OPT OUT ( 1 ) In General- A financial institution may not disclose nonpublic information to a nonaffiliated third party unless- ( a ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic or the other form permitted by the regulations prescribed under section 6804 of the title, that such information may be disclosed to such third party.

( b ) the consumer is given the opportunity, before the time that such information is initially disclosed to such a third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Your company is in clear violation of the law Under 15 USC 6802, because they did not give me an option to opt of having my loan to report to the Credit Reporting Agencies.

Furthermore, the Installment loan was an approval of a specific extension of line of credit used by my Social Security Card and Identification card.

15 USC 1602 Definition of rules and construction States : ( I ) the term Credit Card means ANY CARD plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or Services on Credit.

( Any Card- Has NO Discrepancies ) Your Company is in clear violation of : FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( b ) Any Authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

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