BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-14
Company: DISCOVER BANK
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXXXXXX XXXX XXXXXXXX a debt collection company by and through XXXX XXXX XXXX, who claims to be representing Discover Bank, and put a action in JUDICIAL DISTRICT OF XXXX, which is not the proper venue, and it appears that this " complaint '' was brought by a " third party " for a " alleged debt '' that was not validated or verified, by the alleged " creditor '' or a affidavit of debt, was submitted, after numerous notices of dispute was sent to the third party and DISCOVER, which was not validated in accord with 15 usc 1692g, or GAAP, as a consumer i never gave consent to contact " the consumer '' as i third party has no authority to do so 15 USC 1692C, XXXX XXXX is claiming to be a attorney without proper Power of Attorney form ( form 56 ) or a license for a debt collecting company in the STATE of Connecticut, and is using the JUDICIAL DISTRICT OF XXXX, to send abuse communicating in a attempt to get the consumer to default and for the consumer to file for bankruptcy, case number XXXX JUDICIAL DISTRICT OF XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX already got a judgement against me for this debt and now Halstead Financial is trying to collect the debt and mailer says its pre legal status as if theyre going to sue me again for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/XXXX National Credit systems responded to my proof of validation letter by sending be a packet and my signature has been forged. I sent a letter back stating that it is my signature is not the signature on the paperwork that they sent me. I also sent proof of my signature via drivers license and other signed documents. NCS ignored my letter. I called them several times to ask who signed my name on the paper and the represent ivies that they transfer to me will start to yell. I Sent another letter asking for validation of the signature and validation of the contract, They sent back they same exact packet that they sent before dated XX/XX/XXXX. This is not my signature and also not a valid contract. A Contract must show valid signatures of the parties to the Contract instrument, in order to verify its validity in law. Contract must be a deliberate and conscious agreement made between competent parties. there is only one signature on this " so called '' contract. Also, the lease expired on XX/XX/XXXX I then went on a month to month lease with the company and worked for rent. This paper that NCS sent me states that the reason that I moved out was because I no longer worked for rent. NCS must prove that I owe XXXX to them or any company that they are representing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Resurgent Capital Services L.P.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
LVNV Funding LLC/Resurgent Capital Services has reported a negative account on my credit reports with XXXX, XXXX, and XXXX. I do not have a contract with them. I am not responsible for this debt. I have disputed this account a couple of times, and LVNV/Resurgent Capital Services refuse to delete this inaccurate information from reporting on my credit.The original creditor is XXXX who sold this to LVNC/Resurgent Capital Services. Account # : XXXX for {$190.00}. They have not properly validated this debt with a signed contract and my signature. This is unfair debt collection practices. I have no contract with this company. Delete off of my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I called and requested a payment extension on both of my loans with XXXX. The first one on my primary vehicle was processed no problem. I was even able to sign the payment extension through a secure website and within 2 minutes. The next vehicle not so easy - I was told that since I went through a contact center in XXXX, TX that they did not have the capabilities of doing e-sign. I requested that option because of the ease of use and that my situation was quickly resolved in that manner. I then was told that they could fax the document to me ( which I dont have a fax ) or that they can mail it to me. I chose the option for them to send it to me via US Mail. Upon my receipt of the document ( mind you the same one that they could not email me ) I signed it and followed the instructions at the bottom of the agreement to fax or mail ( which I mailed ) a copy to them and to keep a copy for my records ( which I have a copy of the document ) the document that I signed and returned via US Mail. Come to find out my account is now almost 60 days behind because they stated that they never received the document at the address in which they provided as a good contact address for this transaction. I called and spoke to a XXXX who said that I should have called to confirm that the document was received. The document does not state anywhere on it that I should follow up to make sure it was received as that was not a condition that was stated in writing that I should follow to make sure that it was received. The representative then transferred me over to a supervisor who stated pretty much the same thing and seemed to insult my intelligence all in the same interaction. I think that if mailing was an option that was stated as a viable option to assist in this matter and I did everything that was requested of me to sign, return and keep a copy that my original agreement should be honored and that I as the customer should not be penalized for a lack of receipt on their end -especially when e-sign was offered before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: PHH Mortgage Services Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage crediting of checks is delayed and received date in their system of record is incorrect.   Mailed    XX/XX/XXXX payment  USPS Priority  tracked mail on   XX/XX/XXXX    . Priority mailed was delivered by   XX/XX/XXXX    .   Check had not cleared by XX/XX/XXXX   . Concerned, I called the customer service line the next day. The rep told me the check would be posted that day,   XX/XX/XXXX    . The rep also told me that PHH Mortgage date of receipt of the check was their processing date, XX/XX/XXXX   .   Fortunately this was within their grace period. I asked the rep to refer my comment to the supervisor -- the date of receipt is the date the mailed check is DELIVERED to PHH Mortgage, not the date PHH Mortgage chooses to process it.   PHH Mortgage 's lag in posting checks is consistent ( a week or more after documented USPS delivery date ), although this was the worst incident , 2 w eeks, perhaps due to   XX/XX/XXXX   holiday. I feel COMPELLED to pay fo r USPS  priority postage and tracking in order to be able to prove that I paid on time, given  PHH ' s track record of slow processing. It is frustrating and should be unnecessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am a card member of a Sam 's Club XXXX XXXX XXXX. XXXX of the main reasons I signed up was because they offered XXXX XXXX XXXX XXXX as stated on Synchronys website ( pages 3-4 ) https : //samsclub.syf.com/essimages/cs/groups/ess_webasset/dualcard/@sams/en/pdf/ess034819.pdf The benefit states : Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone You must charge your monthly Eligible XXXX XXXX XXXX bill to your Covered Card. 

Coverage for a Stolen or damaged Eligible XXXX XXXX XXXX is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is {$800.00} per claim I fulfilled my part to charge my monthly mobile XXXX service payments to this credit card. Therefore, I was under the impression that I was insured by XXXX so I canceled my insurance with my carrier. 

However, when I tried filing a lost phone claim on XX/XX/2022, I called XXXX claims department and they denied my benefits because they said the issuing bank, Sychrony Financial canceled this benefit and to direct the claim to them. When I reached out to Synchrony on XX/XX/2022 they pointed the finger back to XXXX for canceling this benefit. Both parties said they cant do anything about this. 

When I escalated this call to a manager at XXXX on XX/XX/2022 and explained my predicament, she hung up on me. As a consumer I feel deceived, frustrated and defaulted of a valid claim of {$800.00}. 

On the on the lost phone coverage even though it was clearly stated on the benefit guide. Both sides claimed that the other party should cover it. After long waiting and calling time, it remains unresolved. Synchrony call agent hang up on me. I am very disappointed about the advertised benefit and how it was handled when it is needed. 

The benefits are still currently posted on Synchronys website as of XX/XX/2022 for this coverage. They did not send me any communications to notify me this benefit is no longer provided. This is deceptive advertising and hurts consumers.

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 2017-07-14
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX XXXX I was 2 months behind on my mortgage. Well Fargo told me that I need to get into a forbearance plan or foreclosure would start. I was prepared to make my XXXX XXXX payment but was told to pay {$310.00} instead for the next year to see if I could improve my financial situation. I was concerned as to what would happen to the debt that accumulated for this year and was told that it would be put at the end of my loan and that I could get a loan modification. I told my home preservation specialist that I would become a substitute teacher and improve my income. At the end of the 12 months of paying {$310.00} was told that I could not pay my normal {$1100.00} and that I needed to pay the balance of {$15000.00}. I was told to apply for a loan modification. After applying for the loan modification I was told that the {$2200.00} that I made from XXXX XXXX and XXXX was not enough for a loan modification. I was never told how much I needed to make, just that I needed to improve my income. I had a foreclosure case scheduled for XXXX XXXX. I did n't have enough money for a lawyer so I wrote the response to the foreclosure complaint myself. I did n't answer the accusations with I deny, instead writing I disagree ( not knowing law language ) and the judge gave Wells Fargo a default judgement against me and allowed the foreclosure of my home.

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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Unverifiable Account - 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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX' my ssn : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: LoanCare, LLC
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have been using LoanCare - www.myloancare.com. I have been trying to access my mortage account for the past 5 days. I need to gain acces to my loan info for filing my taxes. I have called many times due to problems with the web site i am unable to get my password reset. I am worried that this place has gone under or there no IT department at all.

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 2017-07-13
Company: Orions Management Group, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear : CFPB I received a letter recently from OMG, LLC. ( Orions Management Group ), stating I owe a current balance of {$7600.00}. When inquiring about the debt, I was informed it was an outstanding debt from XXXX XXXX XXXX. I have banked with XXXX XXXX XXXX for fourteen plus years, including both a mortgage loan and deposit accounts. To my knowledge, I have never received any correspondence regarding an unpaid credit card balance with this institution. Furthermore, I spoke with XXXX XXXX XXXX representatives who were also unable to provide information regarding the debt. I also reviewed my credit report and verified that this debt is not listed as outstanding. I requested documentation from OMG, LLC., to provide evidence for the debt. I was supplied statements from XXXX that show a balance due ; however, none of the documents provide information pertaining to the original purchase ( s ). These statements provided do not appear to match any known debt with XXXX XXXX XXXX. I believe that I am a victim of identity theft and that the reported charges are a result thereof. The debt collector is calling and harassing my family, threatening to take legal action, and indicating if I settle by XX/XX/XXXX, I will only owe {$3000.00}. However, if I am unwilling to settle for this amount, they will take legal action and require I pay the full amount of {$7600.00} plus legal feels. They have claimed they have recordings of me from a year ago, agreeing to pay the debt. When I requested to hear these recordings, I was advised that they may not actually have them. I believe the threat of a false recording is being used to coerce payment for a debt to which I am not obligated. The debt collection practices are abusive in that they are threatening me and my family members. Additionally, the collection practices are deemed unfair as the company can show no evidence that the debt incurred is mine. I believe the intent to coerce payment from me is deceptive as the company is claiming they have recordings with me acknowledging the debt. Out of fear, I have taken time off work to try and validate this debt. I have lost sleep as I am afraid this company will take me to court for a debt I have not incurred. During this time, I have gone on-line and verified several complaints of similar abusive behavior. I am very afraid of what this can do to me both personally and financially. I am hoping that you can assist me and other victims like me. I have listed some examples of these victims I am speaking about below XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX Inquiry : XXXX XXXX XXXX '' my ssn : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL 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 2022-02-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I disputed several accounts on my credit report asking the bureau to validate these debts including the manner of which the debt was validated, the original contract displaying my signature, the names and titles of all persons verifying debt. I have not validated these debts and nor has Equifax. According to the FCRA if these debts are not validated they must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted Midland an requested validation of a XXXX debt. Midland did not respond and disclose validation. Midland violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Business & Professional Collection Service Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I discovered I am a victim of ID theft, over 20 medical accounts were fraudulently put in my name. Patient used my name to go to the ER at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. There were also fraudulent bank accounts opened at XXXX XXXX and XXXX XXXX. Two credit cards at XXXX, XXXX XXXX XXXX Per FCRA law, once the furnisher receives all my fraud documentation the accounts must be deleted from my reports within 4 business days. ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the informat

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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, 2021 '' my ssn : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL 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