BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called XXXX XXXX earlier this evening, issued by Capital One, to request a settlement offer if account paid in full. I was put on hold by rep, another rep by the name of XXXX then got on the line, put me on hold again to check if account is eligible for such request. Both reps appear to be outsourced from a foreign country as most companies like to do. The call cut out before XXXX got back on the line after placing call on hold a second time. I am facing financial difficulties due to pandemic and a settlement offer would be appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has been sending me collection letters saying that I owe them a debt for Synchrony Bank. I've already disputed the account with the credit bureau. The only response I get from XXXX XXXX XXXX is a letter saying " We are uncertain of what you are specifically disputing ''. The certified that I've sent to the bureaus SPECIFICALLY state that I am disputing this account because it is NOT MINE. They are also reporting an address that I have never lived at. This company has done a poor job of handling this dispute. 

They sent me two letters saying that I owe {$410.00} for Synchrony bank and {$1000.00} to the same bank. I've never had a credit or bank account with them. 

I've attached the letters that they've sent 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 non-monetary relief
Consumer complaint received 2018-06-05
Company: FRANKLIN LOAN CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX now owns the mortgage but it started with Franklin Loan Company. In XX/XX/2017 when we were finalizing our mortgage in escrow, XXXX XXXX of Franklin Loans apparently submitted the amount of property taxes that we needed to pay in escrow. 

The amount for 7 months of property taxes on a sale price of {$400000.00} was only about {$1200.00}. This amount was very low and has now led to XXXX charging us {$500.00} a month more on our mortgage of {$2500.00}. XXXX also claimed that we need to have a {$1500.00} cushion in escrow, which Franklin Loans did not account for. 

I called XXXX XXXX and asked him about the property taxes. He responded that he no longer works for Franklin Loans and suggested filing a complaint with FCPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-01
Company: Experian Information Solutions Inc.
State: MA
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 recently applied to refinance my student loans with XXXX. I was denied because of what I was told were delinquent accounts.I asked the XXXX rep what accounts are they talking about and they gave me a list of 4. 3 of the 4 are not even companies I've had accounts with and the other was an account that was closed 2 years ago that I was a co-signer on, not the primary borrower. 

I was given the following information to get my credit reporting information. 
Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX 1 ) The phone number doesn't work. Regardless of the information one enters or the options one chooses, the answer is " we can not process your request over the phone, submit a written request for information ... '' 2 ) This is the 2nd time I've had something completely false on a credit report from Experian in the past 6 months. ( I filled a different complaint with the CFPB involved a falsely reported accident on my vehicle that resulted in my not being able to trade in my car - the result of the complaint was Experian removing the False information from my report. 

The information from whatever source is false and inaccurate and has caused me financial loss.

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 2021-05-10
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with XXXX phone calls all day long and my wife has been too. Along with XXXX voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the Pandemic, I am having Financial difficulty & I contacted my Mortgage servicer on the advice of XXXX XXXX & XXXX XXXX to request that I can have my mortgage added to the back of my Mortgage & I requested the same form my Mortgage servicer, They were not aware of the Federal Regulation regarding homeowners having their mortgage added to the back of their Mortgage for 3 Months. 
They insist that I make a plan to pay them, A Clear violation of The Treasury Dept & XXXX XXXX  regulations & that they will be calling me every 20 days to assess my financial situation informed them that they were overstepping their authorities,, While violating mine, I am not financially capable at this time to make arrangement to pay them .I call to get help & they made it into a collection call to hustle me into a payment plan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I sent a letter to XXXX XXXX XXXX, XXXX about a debt that is not mines. I sent them a letter of validation regarding this account. I received a letter stating that they bought an electrical file from XXXX  XXXX. I asking them to provide me with an original contract with my signature and/or electrical signature and they have not provide an evidence that this debt is mines. It is affecting my credit score 's and I would like the debt to just be removed. This company has not and will not provide a contract with my signature because I never signed a contract with them and/or XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Freedom Mortgage Company
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX sent in 3 payment one of the 3 was lost in ACH customer service rep stated. Still no credit for that payment. Now sent in a bill pay payment on XX/XX/XXXX delivered on XXXX XXXX Freedom Mortgage had a verbal confirmation from XXXX XXXX XXXX that money was send on XX/XX/XXXX. Spoke w several CSA/Supervisors. Payment is missing! 
{$2000.00} payment can not just be missing. 
I need HELP! This is so in professional and quite frankly just bad business. I know for a fact I am not the only one having this problem!

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 2022-03-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Ive attempted to reason with the defendant regarding this debt, defendant repeatedly attend to collect my debt under fall and misleading information and representation. defendant failed to provide proof of the original creditor in the affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have disputed this with the company but have had issues trying to remove from my record and establishing an account with credit limit according to my credit score of XXXX before fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I attempted to reach a rep with Comenity Capital Bank earlier this evening, was unable to reach a manager due to staffing levels with current pandemic. This is in regard to a possible settlement amount, if paid in full. I was prepared to accept a settlement amount say up to 30 % of balance, again if paid in full. I am currently experiencing financial difficulties and would like to save by pay off account in full at a discount. The account is on a hardship program with no interest, however, I will pay off the account in full if a reasonable settlement amount is offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Experian Information Solutions Inc.
State: IL
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:
this is not a duplicate request. 

on XX/XX/2018 I received a response from the Experian company stating that there are no longer 2 bankruptcies being reported, ( at the time of my complaint there were ). the chapter XXXX bankruptcy that was also being reported also has been removed and unable to be verified. the Experian company continues to violate of the fair reporting care act. the information that was being reported in the chapter XXXX that was removed due to invalidation, is the same invalid information being reported in the chapter XXXX, this bankruptcy is not mine. please remove the chapter XXXX bankruptcy that is also invalid from reporting on my file. I will attach the letters from the courts as they have no bankruptcy reporting under my name, also the furnisher of this information has verified that they have not supplied the Experian company with this info which means Experian is being deceitful on not forthcoming on the results of this dispute. I have provided Experian with all the information and request as required by law in getting them to stop reporting this as it is harming my reputation and my good name. I HAVE NEVER LIVED AT THE ADDRESS REPORTING THIS BANKRUPTCY AND I HAVE GIVEN THE FTC REPORT AND POLICE REPORT TO PROVE THAT THIS ADDRESS IS NOT MINE

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 2018-04-10
Company: AES/PHEAA
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I contacted XXXX Servicing to help them track my Public Service Loan Forgiveness, and was informed was informed that I should transfer my government loans from XXXX to XXXX. The transfer was recorded on XX/XX/XXXX. I uploaded the previous document payments made to XXXX to submit them for counting towards my PSLF payments. Over the next several months I checked the website and made several calls to customer service in regards to that they were not tracking my PSLF nor taking off the 73 qualifying previous payments from XXXX. All the calls I made took over an hour with no changes in my account. The reps would tell me that I needed to wait another 30 or 60 days for them to review my files. Then I started documenting calls. 
XX/XX/XXXX Spoke with XXXX agent number XXXX and was told that I had to request for them to take off the " pay it ahead '' status. I did, and XXXX told me to call back. 
XX/XX/XXXX I called back and asked to speak with a borrower serving advocate and was connected to XXXX agent number XXXX at extension XXXX. She told me not to worry and that after reviewing my previous payments that I everything would be " fine '' and I should call her back in 45 days and my account would be updated to reflect all of my payments were eligible for PSLF. 
XX/XX/XXXX Called and spoke with XXXX again and she told me she did not know why my account and would call me back in 2 days XX/XX/XXXX called XXXX back as she did not return my call. Left her a voice mail XX/XX/XXXX XXXX left me a VM reporting that she was still working on the case and that she would call me in a few days. 
XX/XX/XXXX XXXX left me a voicemail ensuring me that she was making progress on my case and that she would call me on XX/XX/XXXX if not sooner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: Bread Financial Holdings, Inc.
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: Reporting company used your report improperly

Complaint:
This is a complaint of race and age discrimination. 
More than 6 years ago I led a picket outside a Victoria 's Secret here in XXXX, Texas for race discrimination regarding lack of XXXX XXXX  models ' pictures on display in the XXXX XXXX location. Our pressures eventually led to that location 's closing. Not long afterwards I began receiving from Victoria 's Secret Comenity notice of the reduction in my credit card limit. It occurred again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I recently turned XXXX on XX/XX/XXXX, and Victoria 's Secret is fully aware because birthday discount sent. When I contacted Victoria 's Secret customer service today, XXXX XXXX, XXXX at XXXX XXXX. I spoke to XXXX and asked who determined the need to constantly reduce my credit limit and he said it was there at Victoria 's Secret. I reminded him of no problems making monthly payments so why the reductions? He said that every 90 days credit bureaus provide Victoria 's Secret information. Considering overwhelming fraud at every turn, I asked why no one at Victoria 's Secret had contacted me directly since this reduction was a regular situation? He could not answer and said he could re-send those same reduction letters to me. I feel strongly I am discriminated against due to my nationality and now age ; denied due process because Victoria 's Secret never cared to contact me to hear my position and take corrective action not to my detriment. Complaints on credit bureaus have gone unaddressed and fraudulent activity on my credit history reflected in generalities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: CONTRACT CALLERS INC
State: NY
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:
This letter is your formal notice to cease your unauthorized inquiries into my credit report and a formal demand that you immediately contact the data furnisher, where their organization has made inquiries into my credit history, to have these illegal inquiries removed. Be advised that I will be checking my report to insure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Contract Callers Inc 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 2020-06-26
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This has been disputed and still remains in my record.

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 2018-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX My name is XXXX XXXX XXXX for some reason Transunion has me has XXXX XXXX XXXX so I don't know if this is thevreason I can not get my fico 8 Tansunion Score i paid for my scores Transunion is showing 4 accounts 1 inquire and no score on my XXXX credit card with free transunion score 8 it says XXXX score or score not available.

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 2021-04-02
Company: Village Capital & Investment LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX I made my mortgage payment for {$970.00} to Village Capitol Investments through the CompanXXXX website. I was advise the next day by my bank ( XXXX XXXX XXXX XXXX Village Capitol XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ph # XXXX ) took another payment for the same amount causing over draft fees. I had my bank stop payment and they also waived all fees. A few days later I received a call from a Village Capitol XXXX name XXXX confirming the company had error, he said they would pay any fees and apologize. Now weeks after I received XXXX XXXX phone call I am getting collection letters with late fees and collection calls, when I call the company they tell me the bank stop 2 payments and now pass due. XXXX XXXX XXXX XXXX XXXX XXXX confirm only one payment stop and refer me to my bank statement date from XX/XX/2021 for prof of payment in the amount of {$970.00}. any help would be appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
The bureaus not following the laws. They have not provided me with any of my investigation results nor have any changes made.. I have sent out several letters in regards to disputing matters upon my credit concerns.. Please help with assisting me with getting these matters resolved as soon as possible..

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 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXXXXXX Balance {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account. 

XXXXXXXX XXXX XXXX  XXXX Balance {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$540.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXXXXXX Balance {$810.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX XXXX XXXXXXXX Balance {$750.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.

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 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently sent dispute to XXXX  XXXX regarding a late payment, they have yet to remove this information. This late payment should be removed 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