BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-20
Company: Bread Financial Holdings, Inc.
State: DC
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call today from a XXXX XXXX at Phoenix Financial Services about an old medical bill. At first he sounded like he wanted to help and let me know that I owe somewhere around {$430.00} for a bill from 4 years ago. He offered to settle it today for somewhere around {$250.00}. I told him that I would not make a payment today and he said " You don't have to pay the whole thing today, how about half? '' I stated that I was not interested in settling the account at this time and his response was " I understand but I am confused what you mean. '' I said " I am not going to settle this right now for that amount, what are you confused about. '' He responded with " Sir, this is your bill that you have avoided for 4 years so I'm confused about your lack of character. '' Who is XXXX to determine my character after a 1 minute conversation. I responded and said " That isn't the correct way to collect or get someone to pay. '' He said " Quite frankly I don't care, you have avoided this bill for 4 years and now you want to dictate how much to pay. '' Then hung up on me. I want this company to cease communication with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX told me they can run my credit as long as I owe them without my permission this is for a debt from 2016

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 2020-05-12
Company: Certegy Holdings, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2020 I began receiving calls from a " collection company '' that would not identify itself regarding a " past due '' amount owed to XXXX for my business domain name. I called XXXX to inquire and they confirmed all of my accounts were current and that they do not use collection agencies. 

In XXXX I continued receiving phone calls from this collector, and today received an invoice from them : Certegy Payment Solutions , LLC, XXXX XXXX XXXX, XXXX, FL XXXX I know this is a scam but still have concern they can report this false information to credit bureaus. I don't want that headache! 

I'm not sure what you can do, there must be hundreds of scammers like this one, but wanted to report it anyway. 

Thank you, 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 2021-04-24
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Mortgage is with PHH as serviced and is owned by XXXX XXXX, even though I do not believe it is legally owned by them. Anyway with all the issues going on with Covid, I fell behind and my lenders were kind enough to give me a forebearance but they were legally suppose to because of monies they received from the government. They are not allowing me to get a deferment and have been denied that to put the past due at the end. They say the protection s will last untilXX/XX/2021 but I want this resolved now pls help us!!

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 2023-08-03
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with LVNV Funding LLC. They will not, can not provide me with any type of original, authentic paperwork, application stating such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Consumer Adjustment Company Incorporated
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Consumer Adjustment Company showed up on my credit report out of nowhere. Ive not received any communication in regards to a debt they are claiming I owe on act # XXXX with XXXX XXXX  XXXX XXXX I have no knowledge of this debt and I have the right to request for this debt to be validated. Until this company can validate this debt, and provide at least 30 days for me to dispute it needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is the third time I have requested to have these addresses removed from my credit file and they are still showing on my file. I was a victim of Fraud and these addresses are the reason I was compromised and I am not affiliated with them please remove them at once. If I get compromised again I will sue! 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XX/XX/XXXXSS XXXX I need to get my credit file corrected I have fraudulent addresses on my file that I never lived at showing that may have belong to another person or relative, Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22
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:
I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute was sent on XX/XX/2020 and 30 Day demand to comply sent on XX/XX/2020.

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 2020-06-29
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I purchased a condo in XXXX, FL in XXXX, and approximately 12 years ago ( during the housing crisis in XXXX ) I refinanced the condo. Since then the mortgage has gone through multiple companies ( I've lost track ) and has even been refinanced a second time through SPS, Select Portfolio Servicing. I kept all the piles and piles of paperwork over the years and can prove that only one mortgage company, SPS is associated with this property. No other mortgage or loan company has appeared on my credit report for this property. Now out of the blue this company, SLS?, is trying to say they hold a mortgage on the condo. According to the XXXX, this type of activity has been reported many times and is a common behavior of this company, SLS. The public reports and complaints indicate that many people have experienced being treated this way by SLS. I'm not sure how many hands my mortgages went through during the housing crisis but it is horrible to think that a company would take advantage of all the confusion and shuffling of paperwork and make false claims against properties. Hopefully, this is an honest error on their part and they will acknowledge their mistake.

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 2018-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
A few weeks back I had called to speak with a Capital One representative to shut down may account in which was on a secured XXXX that I had initially secured with {$99.00}. 
A week or two had passed after not being sent the money that I was owed and I on the XXXX on XXXX about XXXX -- of this year spoke with a representative whose first name was XXXX ( employee ID XXXX ) who had confirmed with me that the prior representative that I had spoken to did not shut down my account ; and, stated that I would be receiving a check of my total credit of {$180.00} in 7-10 days. So, I wanted to make sure I understood her correctly so clarified weather it would be 7-10 calendar days or business after which point she told me it would be 7-10 business days. 
Then on the XXXX I got a call at about XXXX XXXX from a representative ( employee ID XXXX ) that was trying to make me agree on a recorded line that I was due only a check for a pennywhich I did NOT concur with as I was due {$180.00} as XXXX had stated to me on the XXXX. 
Before this occurrence I had logged into my Capital One account online and did see that in fact I was due a credit of {$180.00}. 
I later that day called and spoke with XXXX ( employee ID XXXX ) who had confirmed with me that in fact I was due that credit via check of {$180.00}. 
I has been almost a month since I originally requested that my account be closed and that the money that was due be reimbursed back to me. 
Also, any time I had requested a copy of my last statement I couldnt get a representative to do so I didnt get any where which I believe they are not letting me have because it would clearly show that I was due that credit of {$180.00} at the time of requesting the closure of this account. 
I hereby affirm that I am owed {$180.00} and demand payment of this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America ( BOA ) Over Draft Fees I had a scheduled credit card payment to be debited from my BOA checking account on XX/XX/2019 to be submitted to my BOA credit card. ( My BOA credit card payment was due on XX/XX/XXXX ). The payment arrangement was made on Thursday XX/XX/2019, at approximately XXXX XXXX via the BOA mobile app and the funds was scheduled to be debited the following day, Friday XX/XX/2019. The credit card payment was debited from my account almost instantaneously and which caused my account to have a {$0.00} balance. There were other payments scheduled to be debited from my account, those payment were processed, one of the payment was for {$20.00}. As a result of BOA erroneously debiting the amount from my account, I was charged four overdraft fees of {$35.00} each totaling {$140.00}. 

I contacted BOA customer service line, after waiting on hold for over forty minutes I got a hold of a representative. She was rude, feisty and question me about why I couldn't afford the overdraft fees. The representative agreed to refund one of the {$35.00} fee. I requested to speak with a manager, the rep. agreed to transfer me to a manager, placed the call on hold for couple of minutes then hung up. 

I called BOA customer service a second time, the automated answering service provided the option for me to receive a return call which I opted for. The second representative I connected with was very professional and sympathetic to the situation when I informed her that the {$140.00} fee is equivalent for two full days work for me and the money was to be allocated to my electricity bill. The representative stated that due to BOA policy the fees will not be refunded.

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 monetary relief
Consumer complaint received 2020-10-14
Company: ALLY FINANCIAL 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:
My car got was in an accident and was destroyed. Ally sent me a bill with a date of XX/XX/2020 ). I paid online through my bank on XX/XX/2020. Prior to receiving my payment, and not even a month after sending the bill they put it as a " charge off ''. They sent a notice saying I was paid in full but did not retract the charge off and it has destroyed my credit. I tried fixing this with XXXX and XXXX and am getting nowhere. Please see attached documents.

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 2018-02-21
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have received a past due notice for XXXX dated XX/XX/XXXX. The postmark for this notice was XX/XX/XXXX. The payment was sent via cashiers check on XX/XX/XXXX. 
I have submitted several requests to this office to correct assessed fees to my mortgage account, I am told I must meet in person to discuss my issues. Under RESPA that is not a requirement. Fees were assessed to my annual mortgage account, however I have paid my mortgage on time for the last 26 months. I received an annual audit XX/XX/XXXX that assessed over XXXX to my account in which needed to be paid in ten days or my mortgage would go up. 
On XX/XX/XXXX this Office sent me to foreclosure over a held payment because I did not walk my payment in, rather sent it from my bank. I requested notice of cured debt twice only for this office and their attorney to ignore it. On XX/XX/XXXX I reported this office the Texas Attorney General after they repeatedly reported my mortgage in default 90 days until XX/XX/XXXX when it was abruptly removed after my complaint. 
I am requesting corrections to my mortgage account as well as an itemized statement showing payments to escrow, HOA fees and principal payments, not a summary.

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 2018-11-26
Company: Conn's, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company is Conns. I have had a credit account with them since XXXX of XXXX. I have made my regular payments every month since that loan was established. This month, I was unable to make the full payment on my credit account and called them on the due date of XX/XX/XXXX and explained to them that I could make a partial payment, which I did of {$30.00}, which leaves me with a balance of {$74.00}. I explained to them on several occasions that I will pay the remaining balance due on XX/XX/XXXX or XXXX, and no later than the XXXX of next month. They began by asking me why I couldnt make the full payment, which is none of their business, especially with the fact that I have not had any past problems with the monthly payment. They refused to make further payment arrangements with me, and have been texting me multiple times. These people are intrusive, and harassing me at this point. As a good customer, I would expect a positive interaction with them, but not this. This is very upsetting to me emotionally. An additional note : each and every time I have made a payment over the phone, they also ask me what my source of income is, or who is my employer. That is none of their business either. They also threatened to report me to the credit agencies if I didnt make the full payment. They also said, Well you came into our store looking for an item and we provided that service to you, why cant you be responsible enough to pay your bill on time?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: PNC Bank N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I accidently gave out personal information to some 1 in XXXX and PNC had to close my account 4 fraud. I tried closing my account back on XX/XX/2020 and they wouldn't let me. I've gone into PNC a few more times since and now they are telling me that i have to wait 90 days for me filing disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: EQUIFAX, INC.
State: IN
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 recently checked my credit report because I was getting notifications of inquiries being reported or added to my report, I was ignoring them at first because I didn't understand what they were saying, I recently checked XXXX XXXX it told me I had 35 inquiries with XXXX and 13 with Equifax along with XXXX none of which I applied for credit, or gave consent to financial institutes to run my name or social. Im not really sure how this came about but I would like to get it resolved in a timely fashion. I am attaching the police report along with this complaint in regards to the inquiries that were ran without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: FORD MOTOR CREDIT CO.
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX does not allow for input and proper documentation of any calls or correspondence after the account is closed. 
All my calls have not been documented. 
All my complaints via a call have not been documented. 
Prior to the closure, I could send an email. Since the account has been closed, I am unable to have access to both of my prior loans paid in full. 
I have a dispute of the only 30 day late in my Credit Report from XXXX. It was admitted that they had internal personnel issue due to CoVID-19 and payment processing. 

Come to find out, my calls to inquire and dispute, NONE have been documented since the representatives are unable to document the dispute. 

I am also filing a FDCPA and ECOA complaint. 

Ford Credit Dispute Department XXXX XXXX XXXX, XXXX XXXX XXXX : Account : XXXX Escalated Complaint / ACDV / Research Department / CFPB Reason For Dispute payment processed XX/XX/XXXX ; 30 day derogatory Please correct the reporting of the 30 day delinquency for the PAYOFF that was processed on XX/XX/2020. This was unbeknownst and unrelated to any fault of mine. As you can see by my payment record, even after being intubated XX/XX/2020, not being medically released to return to work until XX/XX/2020 just to be Furloughed until XX/XX/2020, I made all of my monthly payments. 

I paid off my other loan in the amount of {$18000.00} with you, too, in or around XX/XX/2020 as soon as I was able to function. My accounts were never placed on a Forbearance, despite of my situation. 

I do not know if due to CoVID-19 the payoff was not processed in time, USPS or other delivery methods delay due to the Pandemic.

However, I do know it was to no direct fault of my own. 

I appreciate your swift assistance on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06
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:
I submitted a Second written request in writing to Experian, to have a copy of the original creditors documentation on file to verify that this information is mine and is correct in the results of the first investigation. and I have have not been provided any original documentation under Section 609 ( a  ) ( 1 ) ( A & Section 611 ( a ) ( 1 ) ( A ) by mail, I continue to receive emails the last email was on XX/XX/2019 from the Experian credit bureau that the account have been updated and verified.

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