BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-17
Company: Synovus Bank
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I found a ATM dispute on XX/XX/XXXX of 2020 it is now XX/XX/2020 I have not been issued a provisionary credit nor have I been accommodated under the Americans with Disabilities Act the customer service is terrible as long holds low resolution of problems I was charged a {$10.00} payment fee that was not disclosed to me I am requesting that {$10.00} be returned I also requested to have a payoff figure sent to my mail to pay off the account due to discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Statebridge Company
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a certified letter signed by mail carrier dated XX/XX/XXXX from Statebridge stating if I do not satisfy defaulted loan, owner of Note may commence with foreclosure.I have been calling and emailing Statebridge a few times a week and have not received instructions on where to submit in writing and to whom for a complete results of why my request to settle the {$32000.00} principal balance. I spoke to Loss mitigation and they said I am being charged over {$50000.00} in interest and payoff would be approximately {$80000.00}. When I call Statebridge I have to hold for a couple of hours and usually have call end stating due to high volume of calls, unable to complete my call. The only way I get a response is if I include loss mitigation dept., and since my last request on 5/14/21 ; I mentioned I would have to file a complaint due to no response on instructions, no payoff received and no details on my request to settle this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: R.M. Galicia, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I sent a letter to Progressive Management. This collection agency is reporting a medical debt that is not mine. They are also increasing the balance on my credit report every month and this is illegal. I requested signed medical documents for this debt. On XX/XX/2020, they replied that they need me to send a copy of my driver 's license and a copy off a Fraud report. 

As you can see, I ask this company for debt verification and they want my identification?. 
Why will I provide my identification to a collection agency when O am the one asking them to send me signed verification documents for a debt that they are reporting that does not belong to me?. 

On XX/XX/2020 I replied to their letter, I wrote an Affidavit as they requested and to this day, the company has not replied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
Company: Webcollex, LLC
State: FL
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:
I have called this company, CKS PRIME INVESTMENTS XXXX and I don't know who they are and what they have allegedly lent to me. From what I can see, they are a debt collector and not a creditor. They do not have a license to provide credit and I do not recall ever having received credit from them. They have not provided debt validation according to the Fair Debt Collection Practices Act or the Florida Consumer Collection Practices Act. They are extorting me by appearing on my credit report as a creditor that I have not paid. I do not know this company and they need to remove themselves from my credit report. They are impeding my home buying by reducing my credit score. Due to the low score, I will have to buy my rate and that will cost me extra money at the closing table. I demand that they prove that I have a contract with them and that they have lent me money. If they can not, I demand that they delete this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been patiently dealing with aggressive business tactics from an unorganized company named Sallie Mae. I have been actively trying to find some type of resolve because sallie mae constantly calls my phone, as well as my co signer ' phones, so much so that it feels like harassment. I graduated a year ago in XX/XX/XXXX 2016 and when the time came for me to start paying my loans back I was being asked to pay over {$800.00} dollars a month which was completely impossible for me because I was fresh out of college working for $ 9-10 an hour at local retail businesses. I had to request forebarence until I could figure out a better repayment option. This became a trend because sallie mae refuses to lower my payments. I tell them I am not able to pay over {$800.00} a month and they ask for my co-signer. I told them multiple times my co-signer could only help a little bit and yet they still keep trying to force me to make these absurd payments. This has gone on for too long now and it seems like the situation is getting worse. Most recently, I tried to get an income driven repayment plan and somehow that made my monthly payment go up to over {$900.00} a month. I am living at home with family and I am not able to afford even half of this and I voice this concern quite frequently yet it goes ignored. I have had multiple issues with their employees over the phone. One example being when I requested another forbearance, the associate entered my card information incorrectly when taking the payment for {$150.00}. This caused an error in the process because their system and staff understood this mistake as me not having enough money in my account. This error also caused a negative action to my co-signer 's credit. It was discovered via recorded phone conversations that the mistake was actually made by the sallie mae employee. Sallie mae never contacted us and made us aware of what was going on. After a few days went by and I had not heard anything back I had to call sallie mae. When I called, I was infromed they concluded the mistake was made on their end. They were also supposed to be fixing my co-signer 's credit report and they did not inform us of any of that information either. We had to periodically call to receive updates. When it 's time to make a payment I receive at least 3-5 calls a day from sallie mae representatives, but when they make an error that negatively effects my loan status as well as my co-signer credit report we do n't hear from them for days? This is just one frustrating example out of the many ; all which can be proven via notes, and phone recordings in their system. I fear I may have to take legal action against sallie mae soon if the manner in which they do business does not change.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling me before XXXX XXXX on XX/XX/2020. Calling me and saying it was a business call on XX/XX/2020 and not asking me what it was for. Never received a certified envelope in the mail or a due date for the debt

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 2020-10-21
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Last year XX/XX/XXXX, I have refinanced my mortgage loan from USBank home mortgage to XXXX XXXX. USBank home mortgage has retained my escrow Balance amount and has not returned the amount back to my personal account. When called USBank in  XX/XX/XXXX, they said they will send the amount in a check to my home address without an apology. They even said the exact amount they retained in the closed escrow account and that they are sending the amount in 2 weeks but its been more than 30 days and more than 15 months from the refinance closure that I have not received this escrow balance.

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 2020-09-22
Company: Experian Information Solutions Inc.
State: TN
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:
US DEPT ED XXXX USDOE/XXXX  XXXX These accounts are reporting IN ERROR on my credit report and i have requested for an investigation into this matter and there has still been no resolution. Please help me. I am trying to purchase a home and this is a huge problem thats stopping me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions 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 am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. I have filed and identity theft affidavits. By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and 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 2019-06-10
Company: Experian Information Solutions Inc.
State: TX
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:
Experian has once again, allowed a fraudulent account to appear on my credit file. This account was previously blocked as fraud. This account is still fraudulent. The Company is presenting a driver license that has a fraudulent address on it XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. The Creditor has been notified that this account is fraudulent many times. This account was opened from a thief. This fraudulent address is listed on my FTC Affidavit which I am attaching once again. There is no material mis representation as I am providing actual factual information. I have not lived at this address and have not ever received information at this address. The account for XXXX XXXX XXXX XXXX XXXX is fraudulent that was opened from a thief in XXXX of 2015. They were notified in XX/XX/2015, and this continues. This account shows a balance of {$3600.00} I have not ever authorized this account, I did not sign any account documents, I did not open a membership at this credit union, and I did not authorize any accounts to be opened in my name with their business. This line of credit is fraudulent. It was again opened from a thief using my identification documents, my SSN. Experian has already been made aware of the fraud that has taken place, and of the accounts that the fraudster has opened. This account is listed in my most recent copy of my identity theft affidavit which I am attaching. I am also attaching my drivers license which proves that I am providing accurate information clearly showing my address does not match what this business is providing. 

Fraudulent account not authorized that was opened from a thief that stole my identity. Thus why a fraud alert is on my credit file. Account # XXXX XXXX {$3600.00} charged off {$1800.00} Past due. Opened XX/XX/2015. By a thief that has stolen my identity. This account is FRAUDULENT AND WAS NOT AUTHORIZED. I want this account blocked immediately as the creditor has even accepted responsibility of the fraud. This was sent in a letter to my attorney agreeing they are providing a fraudulent address to the credit bureaus. This information is not accurate.

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 2017-12-19
Company: SYNCHRONY FINANCIAL
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 was dismayed after I ordered my XXXX XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days late as of XX/XX/XXXX and 60 days late as of XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

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 2020-11-17
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my VA mortgage with Freedom Mortgage. I was advised of closing in early XXXX so we halted on paying mortgage. I was advised we would not close until XXXX due to pandemic delays. I went on and made payment XX/XX/XXXX with a late fee, and received email notification of payment. I called Freedom XX/XX/XXXX as I did not see the payment withdrawn from my account. I was informed the payment was unsuccessful which is no fault of my own as I was never notified of this via phone or email. I ended up making a payment in the same phone call that day. I was told we would close in XXXX so I did not make payment for XXXX right away. As days went by I wanted to avoid another late fee so I made a payment XX/XX/2020 and received notification of payment, this time by mail. I was then informed later that same day that I was closing on my mortgage XX/XX/2020 and would not need to make a payment for XXXX which I had already done so. I received a letter in the mail dated XX/XX/2020, stating my XX/XX/XXXX payment did not go through. I did in fact close on XX/XX/2020. I then received a letter by mail dated XX/XX/2020 stating that Freedom did not get payment for XXXX and a late fee has been assessed to my account. After my closing, my credit score went from Excellent ( near 800 ) to Poor ( 620ish ). I contacted Freedom about this and was advised they made notes in their system and that I should contact the creditors. Upon dispute and resolution of this matter, my credit report shows no data available for XX/XX/2020 and also shows I am late 30 days in XX/XX/2020 which is not accurate information by any means, as I closed on XX/XX/XXXX. This is disappointing as I have refinanced twice now with Freedom. I have never missed a payment for anything in my entire credit history and this has severely impacted my ability to move forward with any sizeable financial purchases.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my handwritten instructions.

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 2017-12-19
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: Account information incorrect

Complaint:
I was dismayed after I ordered my XXXX XXXX and TransUnion credit reports and discovered that I was reported as having a late payment on the date below : 30 days late as of XXXX XXXX and 60 days late as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

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 2019-05-30
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was granted a loan modifiation. The stipulations was that if I missed no more than 3 payments in 5 years, then I will have {$5000.00} of the loan balance forgiven. I have never missed or was late on a payment! In the fall of XXXX, my loan servicing was transferred to Greentree, now known as XXXX. In XXXX XXXX, I noticed an error in my escrow account. I ask them to fix it. This let to a living nightmare!. They redid my escrow 3 times in 4 months with mounting errors and problems. ( Enclosed ). In XXXX, XXXX, I paid what I thought was the correct amount. This company cashed my check, but did not notify me of any errors. On XXXX, XXXX, I paid the same amount. This company, without my permission, took part if this payment and applied it to the XXXX payment. I did NOT get any com. From them Then, I sent them 3 checks, one to cover the remainder of XXXX and one to cover XXXX and another to cover escrow. Then, This company this 3 things. 1. Reported to the credit bureau that I was 3 months behind, 2. Denied my loan reduction. And 3, denied my request to pay my own taxes. I want this company to 1. Fix my credit report to report the truth. My report does not even show a reason for the 2nd month. They were being vindictive. And 2. grant my loan reduction. Oh, by the way, they are transferring my account, but they made this error and they should fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried calling on several occasions to get this resolved. During covid no one answered the phone. Everytime I did get someone they could not figure out how to credit me unapplied funds. It escalated to a supervisor but still no letter no refund and no call back. I would like a refund of the unapplied payments and a overpayment. {$2400.00} I since sent on XXXX a certified letter explaining why I have several overpayments that I would like returned. It has to do with paying on the app. ( glitch ) I have the letter and the copy of my certified letter and receipt attached. No

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXX is submitting this complaint without any third party influence and give authorization for the cfpb and the other following companies to move forward with this complaint. Please see attached documents and ID as it contain my full complaint and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}, {$0.00}, {$5100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account.

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- PERSONAL ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not 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 explanation