BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-13
Company: Freedom Mortgage Company
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment with Freedom Mortgage was set up on an autopay for the monthly mortgage payment and the XXXX payment was increased by {$73.00} due to escrow analysis the previous month. My partner called and they said to just send in the difference on the next payment which is what I did. Then I received a notification that my credit score had dropped XXXX points due to a mortgage late of 30 days. I called and they refused to help in any way and said that they would not change.

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 2019-03-13
Company: Nationwide Debt Reduction Services, LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call on XX/XX/19 from a angry woman. This is HARASSMENT. 

I was never told orally or in writing I had the right to earn interest on my funds deposited. 

2 ) I had the right to withdraw any of my funds on deposit at anytime without penalty. 

3 ) The Nationwide Debt Reduction Administrator is not affiliated with them at all. 

This. Ocompany continues to call and harass me without providing me any of my requests for an account payment history and account audits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: CBC Companies, Inc.
State: PA
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:
I have filed a dispute for incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Experian Information Solutions Inc.
State: FL
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:
There are inquiries on my credit report that I havent made. Recently there have been a lot of false information reporting to my credit report please check records to confirm this. I havent applied to finance any vehicles for the past 12 months and there are collects on my report from dealerships.

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 2019-03-13
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed disputes with the 3 major credit bureaus XXXX, XXXX and Equifax. On multiple phone calls and online request Ive disputed in accurate bankruptcy on my credit report. Each time Ive disputed I was told that XXXX XXXX reported this information and it was indeed factual. I contact XXXX XXXX that reinvestigated the information and they also let me know that the 3 credit bureaus failed to submit and investigation in this matter Ive been informed by XXXX XXXX that they have reinvestigated this matter and had removed the information from my record and Ive provided documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have called and emailed American Adjustment to remove a debt to XXXX XXXX XXXX that was paid and settled in Small Claims The action was withdrawn and released, but American Adjustment will not remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per Credit Check Total. 
I have attached What these items are :

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 2019-03-13
Company: Commercial Recovery Systems
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I spoke with a relative of mine ( I'm domiciled at her address ) and she explained that someone called her looking for me about a warrant. She gave me the phone number ( XXXX ). I called and spoke to an alleged " XXXX XXXX '' who asked me for a case number. I explained none was given. I asked for the name of the company. He stated XXXX XXXX XXXX, XXXX and said that he could not do anything without the case number. I explained there was no case number. While doing so, I looked up the company and it appeared to be a collection company. I asked if he could cross reference other information. I gave him the number he that they called my relative on. I stated that they were a collection company. He said it was not. Then he said he will just have the court documents served and then hung up. I believe he was impersonation an attorney or court officer and should be held to FDCPA to answer for his and his companies tactics.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-14
Company: CITIBANK, N.A.
State: MN
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:
XXXX XXXX client XXXX XXXX is an identity theft victim. His information was used to apply for a CBNA credit card. While the account was not established the application left a fraudulent related inquiry on his credit report. We have sent an official dispute of this inquiry to CBNA however they are continuing to report the data. This is now a violation of his federal consumer rights under the FCRA.

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 2019-11-09
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt?
4 ) Please evidence your authorization to do business or operate in the state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have 15 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your le

tter ( s ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attachin
g property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validit
y of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Fraudulent loans!

Santander targets a population of people with poor credit approves them for very high interest loans that they know will soon default ruins their credit and put judgments against individuals to repossess property Santander targets a specific population and make fraudulent loans for used vehicles Santander is in urban areas and prey on vulnerable people.

Santander has a history of Inadequate or false disclosure Risk-based pricing Inflated fees and charges Reverse Redlining And has had class action lawsuits. Santander is in house financing company that is illegally approving loans as well as falsifying figures to approve loans under the pretense of future default. Santander is housed in car dealerships that close and change names due to unlawful/illegal activity and bad reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
FTC attached a SECOND TIME Experian claimed to not have received my FTC and identification and ss,, I am a victim of identity theft

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 2021-01-27
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a fraudulent debt, the company refuses to remove it off of all credit reports. Ive had a credit debt agency investigate and paid lots of money, submitted all legal documents and its still not removed. This company is violating Federal laws.

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 2018-07-11
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
From what I was told by the " escalation department rep '', XXXX is the " administrative and secretarial assistant '' for Great Lakes Guarantor. After repaying my loan in full in XX/XX/2018, XXXX continued wage garnishment for 3 consecutive pay periods. They finally sent a letter to my employer to stop garnishment two weeks ( another pay period ) after I called. When it comes to getting any question answered regarding the status of my account, or when I might be receiving reimbursement, the answers are generic and scripted. " The account is closed. The accounting department doesn't have a contact number and is behind. We have no other information on your account. '' After over 30 min speaking to both reps, I was given the number to Great Lakes. Mind you, the second rep, " XXXX '' kept cutting me off with " We don't have information on your account ''. Poor customer service, rude and unhelpful. I ended the conversation with XXXX, letting him know that if Great Lakes was who I should speak with, he could've saved us both time by redirecting me there 15 min. prior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
OnXX/XX/XXXX I reloaded 2 netspend cards, {$1000.00} each.with another netspend card {$640.00} my information was approved and fully activated. netspend has mislead costumer to believe that they can use their money instantly but failed to keep up with that promise. Ive sent in documents needed for identity as i did for the card with the least money and it wasnt approved, my account for both accounts had now been blocked. i was told nowXX/XX/XXXX that i would be sent a check in the mail in 10days. Hoping its not a scam as others complained online about receiving a fake check. im still waiting.

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 2017-08-03
Company: RSI Enterprises, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RSI Enterprises , Inc is attempting to collect a medical debt ( {$59.00} - XXXX 2011 ) that is not mine and have failed to provide any legitimate documentation on the false debt. Not only is RSI Enterprises , Inc fraudulently attempting to collect an erroneous debt, but they have falsely reported this to all 3 credit agencies causing a significant decrease in my overall credit score. This predatory collection agency has violated the Fair Debt Collection Practices Act on all levels and I would like this resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XX/XX/XXXX one of my student loans went from around {$380.00} a month to {$740.00} a month. I called and said I ca n't pay this. They gave me 3 different options that I have not qualified for from XX/XX/XXXX to the most recent denial in XX/XX/XXXX. I told them I could do at most {$500.00} a month and there was no way I could pay the $ XXXX.I asked if they could work with me. I emphasized I did not want to stop making payments, I just could n't handle the amount they wanted me to pay monthly, they really do n't listen and no one even seems to know how to help me. I have been paying on these for ten years now and this is the first time I literally can not do anything about my payments. No one seems to know what to do except to send me forms. Also the emails they send you for the forms never link properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Paypal Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My PayPal account was hacked and some charges were made onto the account creating a negative balance. I mailed a payment on XX/XX/XXXX to the payment account address in XXXX. On XX/XX/XXXX the check I sent in was cashed for {$1000.00}. To date they have yet to apply the payment to my balance and sent it to XXXX XXXX collection agency. I have about 20 calls back and forth, numerous messages on their online chat system and even tried their XXXX page. No one seems to care or want to assist me. I will not pay this balance twice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-30
Company: EQUIFAX, INC.
State: WA
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:
XXXX2018-present Equifax has admitted that they imputed the wrong information under my social security and froze my account when a mortgage lender tried to check my credit. I have called and sent current documents every day sense last Monday but no one will tell me if the documents were received and how long this will take. It is causing stress as my family and I have already put in an offer on a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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:
On XX/XX/2020, I sent a letter requesting Transunion verify an account on my credit report. I specifically asked them to verify the Date Closed. I received a response to the verification request recently. The report states that they both " VERIFIED AND UPDATED '' the account in question. 

After careful review of the account, I found that the data entry for " Date Closed '' did not match my records. 

This matter should have been handled upon the initial request and this account is hurting my credit report and scores.

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 2020-12-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX XXXX  XXXX - NEVER LATE XXXX Paid, Closed. 
XX/XX/2017 XXXX  - NEVER LATE XXXX Transferred, closed. 
XX/XX/2017 < -- -- ALL accounts NEVER LATE. FCRA Violation. How is this late? I've always paid on time. Why was I never notified if I was late? Should I sue? 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX, TX XXXX < -- ADDRESSES Listed are NOT MINE. FCRA Violation. NOT reporting my data in my report accurately also.

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 2019-11-09
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Please see case XXXX Please dont close this case. I still havent see the response from Mr Cooper since they sent the response to our attorney. Now we have to pay additional money to fight a case that WE, as consumers should be protected by CFPB. I dont see how we are accountable for 2 banks and a title company not getting it right. Consumers have no control in quoting and executing a payoffs. Please help us! I will state 1 more time ; we have never been late on the 6 properties we have purchased in the past 33 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
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:
XXXX XXXX is reporting an account in the amount of XXXX to credit bureaus. The account was charged off in XX/XX/XXXX with a balance of {$13000.00}. The vehicle was sold for XXXX. The cost of repossession was approximately {$1100.00}. The company starting charging interest on the account after it was charged off and closed with out sending me any detailed statements about the interest. The company reported this account in XX/XX/XXXX with an amount of {$9100.00}. They kept charging interest until XX/XX/XXXX when the amount reached {$10000.00}.

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