BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In accordance with the Fair Credit Reporting Act, Radius Global Solutions LLC has violated my consumer rights under 15 U.S.C 1681 Sec 602 A, which guarantees my right to privacy. Additionally, 15 U.S.C 1681 Sec 604 A. Sec 2 states that a consumer reporting agency can not furnish an account without my written consent.

I hereby request that you immediately cease and desist in your efforts to collect on the aforementioned account. It is my personal policy to only engage with the original creditor of this account and not with collection agencies.

Failure to comply with this request will result in legal sanctions under applicable federal and state laws. As per 15 U.S CODE 1692c ( a ), a debt collector may not communicate with a consumer regarding the collection of any debt without the prior consent of the consumer or the express permission of a court of competent jurisdiction. 

I have neither given prior consent nor entered into any contractual agreement with Radius Global Solutions LLC.

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 2019-11-12
Company: U.S. BANCORP
State: MA
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 have always had on-time payments and I recently checked my score and became aware that last year in XXXX there was a late payment. I have not changed the auto-pay date on my account so there must have been an error with the payment system or auto-pay. I have been paying everything from auto-pay since I got the card, and I was never sent anything about a late payment or a notice of the late payment to file a complaint about it.

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 2019-11-12
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citibank recognized fraudulent cash withdrawals on my debit card on XX/XX/XXXX and contacted me over the phone. They assured me that the charges would not post, and they issued me a new card. 

When I received the card and was able to check my account, I noticed that the charges did post and Citibank had no record of ever contacting me. 

They also mentioned that someone had attempted to contact them using my identity, but they failed to tell me until I contacted them several days later. 

The fraudulent cash withdrawals were over {$1200.00} USD. I have attached snapshot of transactions with highlighted fraudulent withdrawals. I subsequently spent several hours on the phone to report this ( Case 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 monetary relief
Consumer complaint received 2023-06-23
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
LVNC Funding LLC is reporting a charged-off account for XXXX XXXX / XXXX XXXX as a " new '' account opened in XX/XX/2023, on my credit reports. I challenged the information on my credit reports, but LVNV asserts the information is correct, which it is not. 

I believe the original account is " timed out '' and should not be on my credit report at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: FIRST PORTFOLIO SERVICING INC
State: NC
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 have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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 sent a letter for you to notify to remove those items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following items are inaccurate and needs to be deleted : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : $ XXXX XX/XX/XXXX XXXX XXXX XXXX CXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX XXXXXXXX Balance : $ XXXX & XXXX XXXX Balance : XXXX XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : $ XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
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 information incorrect

Complaint:
" I am filing this complaint because the credit bureaus have failed to remove inaccurate and inconsistent information from my credit report regarding the XXXX XXXX XXXX account. The credit reports provided by the bureaus show significant disparities and discrepancies, which undermine the accuracy and integrity of the reported information. 

- High Balance : There is a significant discrepancy in the high balance reported. The first report shows a high balance of " {$0.00}, ' while the second report lists a high balance of " {$14000.00}. ' This inconsistency raises concerns about the accuracy of the reported information.

- Account Balance : There is a notable difference in the account balance reported. The first report shows an account balance of " {$9300.00}, ' while the second report lists the balance as " {$14000.00}. ' This discrepancy raises concerns about the accuracy of the reported data and the true outstanding balance.

These inconsistencies and inaccuracies in the credit reporting for the XXXX XXXX XXXX account are alarming and require immediate attention. I have previously disputed these discrepancies with the credit bureaus, but the inaccurate information has not been updated or removed from my credit report. 

It is crucial that the credit bureaus thoroughly investigate and rectify these discrepancies, ensuring the accuracy and integrity of the reported information. I request that the credit bureaus take immediate action to remove the inaccurate and inconsistent information associated with the XXXX XXXX XXXX account from my credit report. 

Thank you for your attention to this matter, and I look forward to a prompt resolution of this issue. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Cedars Business Services, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was formally enrolled in XXXX University online from XXXX to XXXX. I used my GI-Bill to pay for classes while enrolled. Recently I applied for a home mortgage loan, the loan officer called me about a debt in collections. the name of the company in collection is Cedar Financial based out of California. they stated I had a outstanding balance with XXXX University. I called XXXX University and asked them how diI owe them money since I have not been a student there since XXXX. They stated that I signed a agreement to attend class on XX/XX/XXXX, and in XX/XX/XXXX I sent a email giving my permission to enroll me into class. I explained to them that I did not enroll in class because during that time I was Coaching High school basketball, working Full time and going through a divorce. XXXX told me that the balance is correct. I called Cedar Financial to explain the situation and ask why I did not receive any phone call or letter in the mail for the debt. they could not answer my question because the record on file was not updated. this situation is threatening my purchase of a home for my family. I never enrolled in class, I never receive books for class, and I never logged into class at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Two fraudulent withdrawals were made on my debit card and listed to an ATM at XXXX XXXX XXXX XXXX XXXX CO. Ive never been to CO and my debit card has always been on my person. XX/XX/2020 @ XXXX XXXX for {$60.00} with fees totalling {$6.00} and XX/XX/2020 @ XXXX XXXX  for {$60.00} with fees totalling {$6.00} - a total of {$130.00} taken fraudulently from my account. I cancelled my card, started a claim w/ the bank ( # XXXX  XXXX ) and received a call from Citizens Bank stating that they were not responsible because a chip and my PIN # were both used. I have contacted XXXX PD and was given a case # XXXX. They were not optimistic about being able to help me, as the ATM was in a part of town where the businesses were not inclined to help police.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: BOK FINANCIAL CORP
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have requested from the company ( Home Direct Mortgage ) two times already for the original " Note '' that I signed stating that it was paid off sent to me. It has been over a month and a half and I still do not have the original. This document is with the same company I originally signed the mortgage with and that stated to me that they do not send out the original back to the mortgagee. This is quite strange to me since I used to work for one of the largest mortgage companies in the country and if a customer requested the original back when they paid it in full we always sent it back. I just received the original from XXXX on my current house so I don't understand this company Home Direct Mortgage not sending me the original since it has been paid in full back in XXXX. I took out the loan only 4 years ago where is the original paperwork?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Ghidotti | Berger LLP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, my name is XXXX XXXX. I had my sale postponed for only a few days until they placed it again for foreclosure sale on XX/XX/19. This does not give us enough time for a review or even get everything in order. We did what we would and sent in all documents for a loan modification. Why is it so hard for a bank/ servicer/ investor to try to work with the borrower and provide a modification mortgage payment that we can afford? We are willing and ready to make the payments but we have not had an offer. 
Let me explain my previous situation that has put us in this horrible place with fees and over dues. From my first bank, XXXX  XXXX XXXX and they have denied me multiple times for a loan modification until XXXX  XXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX  sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer XXXX XXXX XXXX XXXX, XXXX. After many months sending documents and trying to work out a loan modification plan and review XXXX XXXX XXXX XXXX , XXXX transferred my loan to another servicer which is now my current servicer XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, AS TRUST OF  LODGE SERIES 3 TRUST BY XXXX XXXX XXXX XXXX, whoever they are. 
I sent over a full packet to XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, AS TRUST OF LODGE SERIES 3 TRUST  BY XXXX XXXX XXXX   XXXX. They have received my loan modification packet and is in review. 
I and my family are in a very tight spot with XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, AS TRUST OF LODGE SERIES 3 TRUST BY XXXX XXXX XXXX  XXXX and we do not know what else to do. I can make monthly payments for this loan of around {$1600.00} for the loan, insurance and taxes. Please review this company and previous companies as to why they keep transferring my loan once im on the brink of being approved. Seems as though every company is prolonging the process as much as possible. 
PRESTIGE DEFAULT SERVICES & XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, AS TRUST OF LODGE SERIES 3 TRUST BY XXXX XXXX XXXX  XXXX are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS if they proceed with the sale of my home which is scheduled for XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My backpack and the contabaments along with secure information was stolen and my wallet phone and someone was able to drain XXXX out of my account when I realized I went in bank and pulled out the rest so I would t lose it all now td bank is denying my refund of this fraudulant loss of money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
At the very beginning of XX/XX/XXXX I applied for mortgage assistance with the Pennsylvania Housing Finance Agency. This was to provide up to 6 months of future payments and to get the loan current. My household income is well below the income limit and in XXXX of XXXX I was informed that the application was approved and funds would be disbursed to my lender. I was also told to keep my payments behind in order to use the program. Funds were never disbursed. At the end of XX/XX/XXXX, I was contacted by PHFA and asked to provide a signed authorization for PHFA to verify my current loan status and amounts with my lender. I provided the signed authorization within two hours of the request. I was told that funds would be disbursed in approximately 30 days. To my knowledge, the request to verify has never even been sent to my lender and no funds have been released. All this assistance request that I applied for has done for me is hurt my credit and cause extreme anxiety. It seems like a scam and I believe I was certainly given bad advise about not keeping my loan current in order to use the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: LA
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:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
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: Account status incorrect

Complaint:
I recently paid plan for credit protection & what I basically reported XXXX credit monitoring with XXXX XXXX its was fine on all accounts accurately XXXX, XXXX, XXXX now all of sudden 44 point drop outta of nowwhere without any explanation telling why did it exactly drop, Im starting to think these credit scores system is being hack for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, my name is XXXX XXXX. I had my sale postponed for only a few days until they placed it again for foreclosure sale on XX/XX/19. This does not give us enough time for a review or even get everything in order. We did what we would and sent in all documents for a loan modification. Why is it so hard for a bank/ servicer/ investor to try to work with the borrower and provide a modification mortgage payment that we can afford? We are willing and ready to make the payments but we have not had an offer. 
Let me explain my previous situation that has put us in this horrible place with fees and over dues. From my first bank, XXXX XXXXXXXX XXXX and they have denied me multiple times for a loan modification until XXXX XXXXXXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer XXXX XXXX XXXX XXXX, XXXX. After many months sending documents and trying to work out a loan modification plan and review XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan to another servicer which is now my current servicer SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX XXXX BY XXXX XXXX XXXX   XXXX, whoever they are. 
I sent over a full packet to SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS XXXX XXXX   XXXX XXXX XXXX TRUST BY XXXX XXXX XXXX XXXX. They have received my loan modification packet and is in review. 
I and my family are in a very tight spot with SN SERVICING CORPORATION, XXXX XXXX XXXXXXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX TRUST BY XXXX XXXX XXXX XXXX and we do not know what else to do. I can make monthly payments for this loan of around {$1600.00} for the loan, insurance and taxes. Please review this company and previous companies as to why they keep transferring my loan once im on the brink of being approved. Seems as though every company is prolonging the process as much as possible. 
SN SERVICING CORPORATION, XXXX XXXX  XXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS if they proceed with the sale of my home which is scheduled for XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Security Credit Services, LLC
State: GA
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 has reported negative information to the credit bureaus of a debt with them. I have reached out to them and asked that they provide me with a contract between myself and them or for them to have it immediately removed from my credit file. The company responded asking if I was aware of the debt I once again responded that I have no affiliation with them and got no response. The name of the company is Security Credit Services. They have reported this negative information to all 3 credit bureaus and are on each of them twice with two separate amounts. The first one was reported XX/XX/2020 in the amount of {$810.00}. The second one was reported XX/XX/2020 in the amount of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
bankruptcy Still in my credit and it has Been more that 7 year since the discharge.

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