BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-22
Company: EQUIFAX, INC.
State: CT
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:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They keep calling my number. I NEVER identified myself, but I have asked them several times NOT to call my number anymore. They call from different numbers and area codes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I submitted a dispute request to XXXX, Equifax and XXXX  as I successfully identified some inaccurate information on my consumer credit file. On XX/XX/XXXX I received notice that my disputes were opened on my behalf, which is about 45 days from my initial submission. Today is XX/XX/XXXX and I have yet to receive an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Phoenix Financial Services LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They keep calling me and every time I answer they say they have no record of me. They have illegally altered the service dates on my credit report and have refused to send me proof of the debt via mail. I can not even get my account number from them to follow up. They have ignored my contesting of the debt validity and ignored my attempts to fix the issue. I have sent in disputes and it just returns the same with no further proof of the debt. 

The name of the company is as follows : Phoenix Financial Services,  LLC XXXX XXXX XXXX XXXX, IN XXXX XXXX ( XXXX ) 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 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
SENT THREE LETTERS TO THIS COMPANY ASKING THEM TO REMOVE THESE CREDITS FROM MY REPORT BECAUSE THERE IS NO CONTRACT WITH THESE COMPANIES ; THEY ARE SHOWING THE ACCOUNTS AS CHARGED OFF AND CLOSED ; AND UNABLE TO PROVIDE PROOF OF DEBT. 
UNFAIR REPORTING REGIONAL XXXX XXXX ( REPORTING OPEN DATE AS XX/XX/XXXX ) XXXX XXXX XXXX XXXX REPORTING XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX UNIVERSITY XXXX XXXX XX/XX/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 2021-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had a credit card in 2008. The limit was XXXX. I authorize the credit card company to take {$25.00} a month out of my bank account until the balance was paid in full. About a year later I received a bill stating that I now owed over {$500.00}. I asked how that was possible since I was paying down the balance for a year, they told me they added membership fees, annual dues and late fees which increased the balance to exceeding the credit card original limit. I disputed the amount owed. They removed the debt from all three credit bureaus. Yet they continue to harass me. They have called employers, family members, sent letters. They call all the time to the point where I had to block them. They have even threatened me. It has been over 10 years and they continue to contact my employer and harass me. I am suffering from emotional breakdown from this. please stop them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: EQUIFAX, INC.
State: MO
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 contacted XXXX, XXXX, Equifax on X/XX/2017 and XX/XX/XXXX in regards to the negative information reported on my credit reports. Upon reviewing a copy of my credit reports I see various entries listing inaccurate Account Status ( Closed ), Payment status [ Debt included in or discharged through bankruptcy chapter XXXX,XXXX, or XXXX ] and balance. I 've asked the 3 credit bureaus to validate this information with XXXX XXXX and provide me with documentation associated with this account. I requested that the data be immediately deleted from my credit files that are maintained under my Social Security Number. I specifically stated that I do not consent to XXXX or any other means of automated verification to all 3 credit bureaus. Which they have ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hi, I am dealing with a credit issue due to a late payment on my vehicle. I was under the assumption that I signed up for Autopay online, but received a letter in the mail that it never went through. I also was a bit annoyed as autopay was not an option. Im hoping to see if this late payment can be removed as it took my credit from about XXXX to XXXX. I am on time with all other credits/mortgage/etc, and was only when using Chrysler Capital that I ran into problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Caliber Home Loans, Inc.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I entered into a HELOC with the XXXX XXXX in XX/XX/XXXX. XXXX put a lien on the property at the concurrent with the execution of the HELOC documentation. Later that year, I was forced to file a Chapter XXXX Bankruptcy due to the failure of my business, and I received no further communications from XXXX. In XX/XX/XXXX, My wife and I each received an IRS Form XXXX ( Cancellation of Debt ) from Caliber Home Loans indicating that the debt had been cancelled. I did an on-line search for Caliber and called the Caliber Customer Support number to clarify what the XXXX was and to request that the original XXXX lien be lifted. I assume that XXXX bought the debt from XXXX. The customer service rep could not find any listing for this loan in their data base and gave me a number for the lien/debt collection department. I called this number, got put on automatic hold, and eventually was disconnected. I tried calling 4 more times with identical results. I included the XXXX in my personal income tax filing for XXXX. I now have my house up for sale and have gone through a local Title Company to assist in getting the lien lifted. The Title Company was told by Caliber representatives that company might reinstate the debt collection effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: BARCLAYS BANK DELAWARE
State: MD
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2018-10-04
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am losing my home in foreclosure I am trying to to work with my servicer Shellpoint but they are not treating me fairly. 
they have a sale date for XX/XX/2018 at XXXX XXXX  and I was never notify that was a sale date on the property until a family member saw it on the website last week, I am working to do a short sale and save my credit from more harm but Shellpoint are not giving me the necessary time to get a loss mitigation solution I I need to save my credit at least.. 
XXXX from shellpoint called on XXXX of this year treating me that she can foreclosure in the house any time she wants to this is very scary for me and my family all i am asking to postpone the sale for another month until I find a solution to my financial situation .... it is already cold in XXXX I can not be on the streets with my children they refused to help 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 2021-03-01
Company: 1st Franklin Financial Corporation
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: LA
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 am a victim of identity theft. someone has opened fraudulent accounts in my name i have reached out to all three credit companies and submitted docs supporting i have no way opened up such account please help take csre of this.

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 2017-08-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My last attempt to clear my debt with Carecredit/synchrony Bank. So it would seem after numerous attempts to get a settle amount ( no more interest charged ) above the ridiculous interest rate of 25 % after the offer expired. The loan I paid for 2 years every month taken out of my account was exactly the same as when I began because of the interest XXXX. XXXX. Now the debt has been sold to a third party with an answering machine? This was after three phone calls as to where the account was. If Carecredit can sell of there bad accounts and not be responsible for good business practices, it will be difficult would be difficult to see on paper how they are taking advantage of signing up for the credit when your animal is hurt or at the dentist. Again bad business as far as I 'm concerned.

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 2021-11-05
Company: BlueChip Financial
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
A company. Claiming to a debt collector called my employer. When called them they said they wouldn't stop unless I agreed to something with them without proof of debt.

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 2021-03-01
Company: EQUIFAX, INC.
State: LA
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 submitted a dispute on XX/XX/XXXX and per equifax, I would have results from my dispute by XX/XX/XXXX. I submitted disputes online and have received NO results. I need the following items removed from my credit report as nothing has been found in the Equifax investigation to validate these incorrect items that are on my report. XXXX {$1100.00} XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: First Technology Federal Credit Union
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used my information to open accounts at First Tech Federal Credit Union and now they sent my information to a collection agency who has harassed me into paying money on a fraudulent opening account, Ive filed complaints with them and the XXXX, they refused to correct this and went ahead and reported this to my credit!! This account was allowed to be opened even though Ive a fraud alert and frozen my XXXX, they still opened it and allowed transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: National Student Debt Advisory Corp.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have received multiple calls PER DAY from different numbers, all claiming to be affiliated with the National Student Loan Forgiveness Program associated with the Department of Education. The call begins with a recorded message saying " this is truly a final attempt to reach you ... '' due to XXXX  failing to notify their borrowers of forgiveness programs available to them. After over a year of these calls, blocking dozens of numbers, and asking repeatedly to be removed from the list, the calls continue. 

I am having no problems repaying my loan, and my annual-salary-to-debt-owed ratio is such that I do not qualify for any of these programs anyway. I have reiterated this multiple times, and yet every day the calls roll in ( just ignored one of them while typing this, in fact ). It occurs mostly during work hours on weekdays, but I've had the occasional call past business hours and on weekends. It is borderline harassment that they keep calling my personal cell phone at all hours, to no end, after I have gone through their process multiple times to appease them and land on the answer that I already know is coming. 

I may have filled out a survey years ago out of curiosity, searching for ways to lower my overall amount owed, but this is ridiculous that this continues. I would like to know the end-all way to stop these calls, which have consumed a larger percentage of my waking hours than I'd care to admit. Does anyone else have this problem? Is there any suggested way to ward them off when the first point of contact is obviously someone who does not have the authority to remove me from a " list ''? 

I would greatly appreciate any information you can provide. 

Thanks, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-09-12
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, an individual used my credit and social security number apply for an apartment. I had no knowledge of this activity and did not request for an apartment. 

The collection company I received the notice is called Genesis- they have been easy to work with to date to resolve this issue. 

The original creditor is called : XXXX XXXXXXXX XXXX Total debt is {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-08-26
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to an identity theft issue I contacted all 3 credit reporting companies to freeze my credit.I had no problem placing a freeze at XXXX or XXXX  using their website. After opening an account online with Experian I applied for a credit freeze using the form on their site. I was told that they couldn't activate a freeze with the info I gave them even though I had no issues with the other 2 companies. Tried calling & got sent to their automated Freeze center which told me I had to mail in all sorts of personal info including my SS #, drivers license copy, ect. 
Not only is mailing this info dangerous but it needlessly delays activating a freeze. The Experian website is set up to make the free services that they are required to offer as difficult as possible while trying to sell you services & upgrades you don't want.

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 2020-08-26
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For some time now I been trying to contact this company to come to a fix of some information that its showing on my credit report. 
Unfortunately, about 3 1/2 years ago, I was in a financial dilemma due to family member loss and health issues. As a result 7 of my payments to you were delayed and repossession of the vehicle. Because your account with me is extremely important I managed to borrow the money to cover the late payments and get the vehicle back. I paid those payments on seven occasions including repossession costs but I made sure to fulfill my obligation to ensure that the company suffered no loss. 
By the way when my card got repo I was told that it won't show repossession on my credit repost, my error was to believe in what the company told me and not ask for proof, which was all a lie. The company still reported including the late payments. 
Sent goodwill letter and for the last 4 year I haven't missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Square Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My name is XXXX XXXX, ( XXXX ) XXXX, Email : XXXX. As of XX/XX/2020 via Cash App ID XXXX  XXXX I had an unauthorized withdrawal transaction though My XXXX XXXX XXXX XXXX for {$1900.00} and absolutely can not contact any support via phone/email to dispute this transaction, which has settled. This basically cleared out my entire XXXX XXXX XXXX!! I did not do this transaction via my Cash App  phone or computer and suddenly noticed this large amount had been withdrawn from my Bank Account via cash App. Fortunately I was able to contact the recipient of the Account that was transferred to which is XXXX XXXX XXXX, and her Cash App ID is is XXXX  XXXX  Phone ( XXXX ) XXXX, Email : XXXX, and I contacted her and she claims she can not just do a refund because her account may have been hacked/compromised by a person stating he was a Cash App representative, XXXX XXXX, ID NumberXXXX, and is her account is now Locked, via email XXXX. Mrs XXXX seem to think the person may actually be a Cash App representative that did the unauthorized transaction because he has continually attempted to contact her via phone. Mrs XXXX also stated she lost over {$1200.00} in her Cash App account. I have attempted several times to contact cash App/Square Up company representative via my actual account and have not received any response. Please assist to verify, assist, investigate, and/or anyway help me in get my funds back and contact a real Cash App/Square support contact? XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation