BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-19
Company: Weinberg Mediation Group LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company contacted me today posing as a mediation group/ attorneys office when they are debt collection. I asked them to validate the debt in which they have not done so and emailed me a letter that is included with this complaint. They never validated the debt as required by law and are threatening to take me to court regarding this matter. They were asked to stop contacting me and validate this debt and yet they refuse to do so

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Prosperity Bank I was locked out of my account today due to a password issue. 2.5 hours later I am STILL locked out. During this time I have : Called - Customer Service # XXXX. All agents are busy - 10 minute wait. I had to hang up to manage my work calls.

I called back and after 12+ minute wait XXXX XXXX picked up my call and said I needed to send an email request to him and he would forward to the correct person to assist. Her name is XXXX XXXX XXXX. 2 hours later no response. I emailed them both back, no response. I called the 800 number again, on hold 8 minutes.

I called my local bank, they transferred me back into the customer service que. I called my bank back and again was transferred to the customer service que.

I am now 2.5 hours locked out of my account with no help in sight. This  is not the first time that I have not been able to reach anyone to help me. This type of service is totally unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I was sent a lawsuit of {$2700.00} to be garnished from my wages due to a hospital bill with {$130.00} towards court costs. I was told via payroll that my garnishment was paid in full in XXXX. I was then sent another lawsuit for the same cause number & judgment amount on XX/XX/XXXX stating a owed post-judgement interest to date & ADDITIONAL court costs of {$1300.00}. I was told it took 2 years due to COVID 19. I feel as if this LLC COMPANY is practicing unfair debt collections accumulating interest on an original judgment amount that was already being garnished. Also do not see how something that took two years on their end can continue to " accumulate interest ''. Not to mention the original & second copy of the lawsuit has a social security number which is not even mine, it is my mothers when I was well over the age of XXXX so she would not have taken me or signed for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I attempted to dispute this with the credit bureau, Transunion. However, their website continues to prevent me for submitting a dispute. I was logged into my account. It has stated that for 2 days. 

I submitted loan discharge paperwork to XXXX. The debt with XXXX qualifies to be deleted and discharged due to the qualifying event provided in the paperwork. The department of education advised me to file this paperwork based on the qualifying event. This tradeline needs to be deleted.

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 2020-07-04
Company: Home Point Financial Corporation
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I contacted XXXX XXXX with home point financial literally almost 3 months ago. He assured me and my wife that this would close back in XXXX. So we would miss the XXXX payment but as usual with this company and this particular loan officer that didnt happen - my wife paid XX/XX/XXXX the total amount and all we get for excuses is that its in underwriting. This was supposed to be simple Refi no doc etc. I closed faster buying this house the first time. If they dont close by mid month I have an attorney ready to contact them be we have recorded voice mails and recordings from XXXX XXXX saying we would close in XXXX and miss XXXX payment which we didnt and Im Not playing the games. Hes a liar like the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have spoken with Navient about the school closing so i wasn't able to finish my degree and i was not paying the loan if i was unable to finish to classes. They refused to send me paper work after asking numerous times. The final attempt was 3 months ago they told me i only had 100 days to fill out the closed school form which i was asking for for over 3 months. 
If i need to turn this over to an attorney and file a lawsuit against them then that is what i am going to do in less than 30 days unless this is resolved. This mark on my credit has kept me from buying a house. Why should i pay for a loan that i wasn't able to complete the degree and credits was non transferable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Comerica
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I got approved for social security back in XX/XX/2020. I was residing in XXXX ny where my social security direct express card was being mailed to. I was told I had to move out before my card arrived. On XX/XX/XXXX my card was opened, activated using my social security number, and used without my knowledge. I recently found out where and when these transactions happened, and I haven't yet even seen the card .... I contacted direct express to file a dispute, a week later, they closed the investigation stating there was no unusual activity from my card. She received three payments. XXXX was {$46.00}, XXXX was {$800.00} and XXXX was {$780.00}, which altogether was {$1600.00} I have contacted the police, and since I have all the times, where these happened and when, the police are now waiting to catch her on camera and the report was sent over to the DA : s office, they are waiting to hear exactly what they can charge her with, and she's moments away from being arrested. Please, that. {$1600.00} is for me to live and It's already proven these transactions were not me. I'm asking for a real investigation into direct express so that I may receive a refund that I am entitled to. It wouldn't let me attach the documents that are needed here ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I sent the attached letter to my student loan company since they had not been sending me statements about my account. At the time I did not have an online account with them, they had purchase my student loan from the original creditor. In XX/XX/2020 a letter arrived at the residence of my parents that indicated my account was overdue. Nor that address nor my self at my current address received any other forms of notification before this collection letter. I immediately contacted Navient, signed up for an online account and brought the account current. Since Navient did not provide statements, nor are these statements available this violated Regulation Z requirement for periodic statements. This negatively affected my credit and I wrote to Navient in the first week of XXXX asking them to correct the credit report. I mailed the letter to the designated address on the back of the loan statement under the heading " Disputed Sums '' ( Navient, XXXX. XXXX XXXX, XXXX, PA XXXX ). It has been over 30 days and I have received no return correspondence from Navient about my dispute. This violates the Fair Credit Reporting Act as I disputed the inaccuracies of my credit report due to the absence of statements before the collection letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I discovered unknown Collection account on my credit report from Portfolio Recovery I mailed letter to Portfolio Recovery to validate debt XX/XX/2020 No response from Portfolio Recovery. 
Checked credit reports repeatedly and no change to credit reports. Portfolio Recovery did not notify credit reporting agencies I was questioning validity of debt I mailed another letter to Portfolio Recovery to validate debt XX/XX/2020 No response from Portfolio Recovery. 
Checked credit reports and no change. Did not notify credit reporting agencies I was challenging validity of debt. 

Also have strong reason to believe contacted a distant family member my phone that resides in a separate household that I have never resided in or cohabited with. 
Results wanted. 
1. Immediate validation of debt and notice to credit reporting agencies I am requesting validation 2. Fine Portfolio recovery for failing to respond to debt validation request ( s ) 3. Fine Portfolio recovery for failing to notify credit reporting agencies of my request for validation 4. Discovery of all Portfolio Recovery activity regarding my account including but not limited to : written letters, internal company email correspondence, received scans of my validation request letters, phone numbers called regarding the alleged debt, and all records regarding validity of debt. 
5. Investigation in to business practices of Portfolio recovery and notify US Attorney General you are investigating and notify all states Attorney General that you are investigating company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've tried several times to settle the debt starting back in 2016 they have not only been rude but has harassed me also since then. Because of the mistreatment and the company not willing to settle the account. Contacting the CFPB is my last resort to end the cruel treatment I have received from this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Last week on XXXX XXXX I paid off my HELOC loan in full sending a cashier 's check in the amount of {$18.00}. XXXX based on payoff figure provided by Ditech. I send XXXX by overnight mail. Tracking shows it was received on Tuesday XX/XX/2018. To date they have not applied my payment nor closed out the loan pursuant to the letter enclosed. I called. last Thursday and was told that by Friday it would show as paid off as of the date received. I waited until Friday and was told wait until Monday. I called today and was told by XXXX that they applied my payment to a dummy account and that she sees the check and sent an email to the appropriate department and wait three days and payment should be applied. I am tired of being given the run around. I will attach copies of proof of payment, mailing and receipt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: EQUIFAX, 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:
XXXXXXXX XXXX is trying to collect and report on an account that was already removed due to fraud. The original account which was removed was XXXX XXXX which was opened prior to me turning XXXX which was clearly fraud. That has already been determined. This account and nothing associated with it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: PA
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 WANTED TO BUY MY XXXX YEAR OLD SON A NEW CAR FOR HIS BIRTHDAY. I GOT MY CREDIT PULLED AT THE DEALERSHIP. THERE WAS STUFF ON MY CREDIT THAT I HAVE NEVER SEEN BEFORE. PLEASE REMOVE THESE THINGS FROM MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: U.S. BANCORP
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I'm attaching a screenshot of the letter sent to my by unemployment regarding my first unemployment check for week ending XX/XX/20 that states my direct deposit was rejected and why. Every check after has been deposited into my new bank but my first check is nowhere to be found. I received a us bank reliacard in the mail and activated it but it did and still does have a XXXX  balance. I contacted reliacard who says they cant help cuz they never received any money for .me and to contact unemployment who said to contact reliacard. Please help 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 2020-10-12
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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. Item # 1 : I dispu
te XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item
that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 

Respectfully, 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 explanation
Consumer complaint received 2021-11-01
Company: CREDIT ACCEPTANCE CORPORATION
State: NV
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX. Despite sending them the last letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the account that is still reporting on my account : 1. Credit Acceptance Corp XXXX Balance {$5400.00}

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
Consumer complaint received 2017-08-05
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing this letter to dispute inaccurate information reported to the credit bureau and fraudulent charges on my credit report. The following creditor and accounts are in dispute : 1. Creditor Name : Synchrony Bank Account number : XXXX Account number : XXXX I have charges and a new credit account on my credit report that I did not authorize. This violates my rights under the Fair Credit Reporting Act. I did not visit, apply, co-sign or authorize any debt related to a purchase at XXXX XXXX on XX/XX/XXXX. The signature on the credit application and the sales receipt is for another individual, named XXXX XXXX. I did not visit or shop at XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX and I did not benefit from any transactions which took place on this date. XXXX XXXX visited XXXX XXXX and applied for new credit to purchase jewelry. The store fraudulently used an old Synchrony credit account ( i.e. account # XXXX ) opened in XX/XX/XXXX, despite the fact that this was a new credit application, signed solely by XXXX XXXX on XX/XX/XXXX. XXXX XXXX fraudulently applied new charges in the amount of {$2300.00} to an old joint account, established in XX/XX/XXXX. This if fraudulent because XXXX XXXX did not use the credit card attached to the old joint account ( i.e. account # XXXX ), hence the reason he applied for new credit onXX/XX/XXXX. I disputed this transaction in XX/XX/XXXX and then Synchrony Bank transferred the charges to a new credit account ( i.e. account # XXXX ) in XX/XX/XXXX and mailed new credit cards. I never applied for credit with Synchrony Bank to warrant receiving these new credit cards inXX/XX/XXXX and request that it be removed from my credit report. I have also written letters to all XXXX credit bureaus and the Consumer Financial Protection Bureau.

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 2020-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ATTENTION TO XXXX XXXX XXXX. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$8300.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XX/XX/2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2020-03-05
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: Information belongs to someone else

Complaint:
There are several accounts reporting on my credit file that does not belong to me. Please assist me in getting these accounts removed from my credit file. 

Accounts reporting as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX  Please remove unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: GreenSky, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
in XX/XX/2022 a company called XXXX XXXX XXXX XXXX XXXX XXXX, I called them to have new siding be put on my home we signed contract in XXXX finance was and is being financed with Greensky finance company i have been billed with greensky finance that i was told to pay up front {$4000.00} now the the XXXX XXXXt company kept telling me next then next week and now again next week i do not think its right for a finance company to take money when work has not been started you also need to look into XXXX XXXX XXXX XXXXs in Pennsylvanian they had issues of the same i was getting nervous of bill being due soon but no work has started why can a finance company can conduct business in this manner this is not acceptable in any means if a company says that because of supply chain issues then they should not be taken money up front and no finance company should not be charging finances up front services for work not started XXXX XXXX XXXX  in XXXX XXXX XXXX but also on web site mentions Pennsylvania again you need to check Pennsylvania lets just say one day this company leaves town the finance company that has taken loans up front its ok

Company response to consumer: Closed with explanation