BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
show tooltip button XXXX XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXXDispute ALL FTC VIOLATIONS REPORTED AND SENT TO THEM

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 2021-02-09
Company: EQUIFAX, INC.
State: MD
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 filed a complaint in XXXX CFPB # XXXX for XXXX XXXX trying to collect a debt that does not belong to me. They responded to the complaint that they would remove from my credit report but it is still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: HYUNDAI CAPITAL AMERICA
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX XXXX  XXXX XXXX TX XXXX XXXX  XXXX. XXXX  XXXX XXXX GA XXXX XX/XX/2021 RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by Kia Motor Finance in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have my account listed as a Derogatory and Charged off account. This account has already been disputed and removed from my XXXX credit report due to inaccuracies. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with Kia Motor Finance and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, MD XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : XXXX XXXX XXXX  Cc : 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 2023-07-23
Company: Resurgent Capital Services L.P.
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: Problem with personal statement of dispute

Complaint:
XX/XX/2023 To the Whom It May Concern : Reaching out for your assistance with this consumer. I'm working to improve my credit and that I have sent a letter to validate the account. They are trying to collect, but I am not familiar with this account and do not know its origin. Despite the validation process, they continue to attempt to collect this account, disregarding my request for validation. l need your assistance to resolve this account as it is hindering my credit improvement efforts. 
I have downloaded the proof of my attempt to validate the account, sending a copy of the letter, the stub with the date when they received it and the copy of their letter. Attached is also a copy of my ID to prove that I am the person who is submitting the letter. Thanks for your assistance in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX XXXX account defaulted - coordinated with my bank to get funds that weren't there. Harassed and planned to ruin reputation and credit. The collection agency the account was opened in XX/XX/XXXX, it defaulted two years earlier in 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 2020-07-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I was scammed and advised to freeze my credit, and Experian would not allow me to make the freeze.

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 2018-09-24
Company: Island Finance Puerto Rico
State: PR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The XXXX XXXX company located in XXXX XXXX PR calls my work 2 to 3 times a day, goes to the home of my son 's grandparents and leaves letters with them or the people living there notifying them that I should call them. that's something private no one has to know that I borrowed a loan also they communicate with the people that I referred telling them about my case I think it is a lack of respect from the company to do this to ask about me and about my debt. They call me even XXXX, I am going through a difficult economy after the Hurricane Maria in Puerto Rico I made a letter to the company to communicate with me to my email and my phone number I hope you can take action on the matter thank you very much.

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 2020-07-07
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Approximately XXXX XXXX I was contacted by my mortgage holder ( Freedom Mortgage ) to re-finance my current mortgage at a lower rate. I took them up on this offer and they stated it would close before my XX/XX/2020 payment was due. This didn't happen. We tried to close before XX/XX/2020 payment was due. This didn't happen. Since this process began back in XXXX, ( now approaching 90 days ) I have had trouble trying to contact Freedom Mortgage for the status on my loan. In XX/XX/2020, I was told that a subordination agreement was sent out to XXXX XXXX XXXX ( my bank ) to  sign. Again in mid XXXX I was told a subordination agreement was sent out. Last week in XXXX I was told again, by the loan processor, that a subordination was sent out. Each time I have contacted XXXX to check if they had received a subordination agreement. Each time their answer was NO. For the past four weeks I can not get the loan officer to return any of my calls. I have asked to speak to a supervisor on four occasions, but get voicemail and no return phone calls. I even sent an email to the CEO XXXX XXXX with no results. I call their phone number and you get please hold or enter your phone number for a call back. I have done this at least 6-8 time during the past 3 weeks with no return phone call. Since this process began, the only thing I have received is 5 change in terms, of which the last one had an error. Too many lies and untruths from this institution. I'm a retired banker and know the process.

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 2018-09-24
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company ( XXXX XXXX ) keeps repeatedly calling my place of employment. I myself called from my cell phone and asked that they not call my job. He then threatened to take me to court. They continued to call my job up to 3 times per day for the past week. Today she ( XXXX XXXX ) told my manager that she was a liar and she knew I was working here. I am close to losing my job because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a letter dated XX/XX/23 signed by Attorneys for Midland Credit Management , Inc. indicating a debt of {$9200.00} to be collected. I have no such debt and the attached documentation does not specify the original creditor, except at the top the letter : XXXX XXXX XXXX. I have never done business nor have had accounts with this institution. 

This is a fraudulent attempt to collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called to get assistance with a double extension - Ms XXXX laughed during the conversation - transferred me to a manager Ms XXXX who only wanted me to let her speak and kept interrupting me to state the process has changed - stated that they will only give me a single extension even though I was already told I'd get a double ext 3days ago - she didn't fix the problem nor did she attempt to help - the manager was rude and didn't care what i had to say - i couldn't even finish my first sentence before she started to stop me - the manager then transferred me to the same rep who asked what I wanted and it was at that point I decided to end the call. They still didn't give me the double ext and I refused to take a single to be further behind when I was already told to pay and get a double - i made the payment for the double and they are refusing it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Navient Solutions, LLC.
State: MN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In its response dated XX/XX/2023, Navient claims that it has no record that my Private Signature Student Loan was XXXX by means of a bankruptcy order. However, this is completely false as I submitted the documents to Navient 's representative named XXXX XXXX who acknowledged receipt of the documents. Moreover, I attached the bankruptcy documents with my complaint which was sent to the CFPB I am once again attaching the bankruptcy documents previously attached

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: AFNI INC.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I originally had a debt with XXXX cable for {$1000.00}. The debt was sent to XXXX XXXX XXXX ( XXXX ). The account was settled with XXXX for {$510.00} on XXXX ( approval code XXXX ), in order to close the account. Within a month or two another credit collection company ( AFNI INC ) was trying to collect for XXXX {$510.00} ( which would have been the remaining balance to XXXX, had I not provided a lump sum to XXXX to settle the debt ). 

XX/XX/XXXX -I called AFNI around XX/XX/XXXX to let them know that this debt had already been settled with XXXX  . They told me that they were hired by XXXX and that I had to contact XXXX to fix it. I then called XXXX who told me they did not have the settlement in full letter from XXXX. I called XXXX back, and they said they absolutely sent that info to XXXX and they would send it again. 

XXXX XXXX- I called XXXX and XXXX again to resolve this matter. Assured by XXXX it would be handled, nothing changed XX/XX/XXXX-Again called XXXX to ensure XXXX was sent proper info to realize debt was settled. Given file # XXXX XX/XX/XXXX- Called XXXX again to straighten this out, given reference # XXXX XX/XX/XXXX-called XXXX again. Transferred 3 times, on the phone over an hour and the final person pretended to be from another cable company!! 

XX/XX/XXXX- disputed AFNI XX/XX/XXXX-disputed AFNI I provided what was a large sum of money for me, to settle this debt and improve my credit almost 2 and a half years ago. Instead of improving my credit, I received another negative account to further affect my credit negatively. I have tried to resolve this matter and been unsuccessful. XXXX was always helpful and I feel reported honestly. XXXX has been rude and incompetent, and AFNI negligent. They were provided with proof of my settlement in full receipt from XXXX and still attempt to collect on me, negatively affecting my credit score for years and thus costing me extra money in the current loans I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
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 information incorrect

Complaint:
My Name is XXXX XXXX. Am looking at my credit report and there are 8 hard inquiries from the following companies that an disputing because i haven't had any dealings with them. 
1. XXXX. There are 5 inquiries from this company dated - XX/XX/XXXX - XX/XX/XXXX Two inquiries on the same day. 
- XX/XX/XXXX - XXXX. 
2. XXXX XXXX- there are 2 hard inquiries dated - XX/XX/XXXX - XX/XX/XXXX XXXX. XXXX XXXX. There is 1 XXXX dated XX/XX/XXXX. 

I have not had any financial dealings with these companies and thus would like to dispute these inquiries. 

Yours 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 2018-09-24
Company: Capital Accounts, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My spouse was employed by XXXX XXXX  XXXX. While she was employed with them the owner XXXX told us we could get XXXX work done and we only had to pay for the lab work. I got XXXX XXXX XXXX and paid what they told me I had to pay, which was {$190.00}. Everything was ok, until my wife was fired and XXXX went by back and charged me another {$590.00} and then sent it to a collection agency which then put it on my credit report. This is very unacceptable from any dentist or doctor.

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 2021-02-23
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I pay my bills on time every month through my online bill pay. In XXXX I made a payment on my Comenity XXXX XXXX paying the balance in full. That payment was to be received by Comenity on XX/XX/XXXX. Today I received a statement with a {$31.00} late fee stating the payment was posted on XX/XX/XXXX. I have been charged a late fee even though my bank states the payment was pulled by Commenity on time XX/XX/XXXX. Ive had to call Comenity twice to get the late fee dropped. The first person I spoke to said there was nothing she could do other than issue me a courtesy {$15.00} credit and the next person said, you have to specifically ask for something? What?!!! Needless to say, I have paid off this card and now will be canceling it. This all seems very shady to me and makes me wonder how many people they do this to and get away with it. I would appreciate all your help in investigating these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting a past due charge off balance on my credit report for the account that is paid off satisfied and should not be on my credit in first place ... I have been trying to contact XXXX XXXX XXXX on several occasions only for their automated system disconnect me after 30 -50 minutes of staying on hold.. They did send me satisfaction letter but still reporting a balance and bureaus are not removing this account and not updating the balance to {$0.00} because XXXX XXXX is NOT responding ... please help

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 2023-04-06
Company: SUNRISE CREDIT SERVICES, INC
State: PA
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:
I received correspondence from Sunrise credit stating I owe them XXXX. I have never had a contract nor heard of this company. I requested a letter of a sign contract with the company and they provided a bill which does not state i entered into a contract with this company at any point and it is now on my credit report.

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 2020-05-27
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PENN CREDIT CORPORATION - CITY OF XXXX XXXX has been paid in full and closed. I was told that this account would be removed from all three credit reports. The balance is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Experian Information Solutions Inc.
State: KY
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:
Consumer purchased XXXX Insurance for loan. I became ill, was hospitalized, and unable to work. Declared XXXX XXXX by SSA. Insurance responsible for paying off the loan in full. This debt has been listed on credit report longer than 7 years. If you can not correct the misinformation, please remove the 7+ year old account from my credit history.

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 2020-09-08
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting a past due charge off balance on my credit report for the account that is paid off satisfied and should not be on my credit in first place ... I have been trying to contact XXXX XXXX XXXX on several occasions only for their automated system disconnect me after 30 -50 minutes of staying on hold.. They did send me satisfaction letter but still reporting a balance and bureaus are not removing this account and not updating the balance to {$0.00} because XXXX XXXX is NOT responding ... please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX had made me a promise that if I took on my old load ,25 years old that they would consolidate all of my loans so that I may attend school. Thus in hopes of seeking a re-education I signed for a loan of witch i received not a dollar but took on a maxed out student loan for witch i received no even a dollar. The original loan that shows maxed out on my credit is more than 25 years old and was sold to me on a lie in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: EQUIFAX, INC.
State: CT
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:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX   XXXX XXXX  XXXX Loan Amount {$560.00}, XX/XX/2020. 
# 2. XXXX XXXX  -Loan Amount {$420.00}, XX/XX/2020. # 3. XXXX XXXX XXXX-Loan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX Loan Amount {$0.00} XX/XX/2020. # 5. XXXX XXXX XXXX XXXX - Loan Amount {$0.00} XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive been seeking validation for the derogatory item reported to my credit report since XX/XX/2021 and the debt collector has failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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