BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When our HELOC with Citizens aged out, the bank solicited us for many months by mail to try a different loan product. It was not called a mortgage, but it turned out to be a mortgage. Because of the pandemic ( I assumed ), it took SEVEN MONTHS for the bank to get the paperwork together to complete the loan. This mortgage has then been in computer chaos since it began in XX/XX/2021. I have talked to the bank by phone many, many times, always assured everything is, or will be, fixed. I can not see my loan online, can not see payments, problems, etc. No one knows why? We have NEVER been in the position to not-pay our mortgage, but our Auto payments were not registered, or get stuck " in suspension. '' At times I see no money coming out of my paying account monthly, yet the bank worker insists she sees the money paid and " in suspension, we are just waiting for it to be released, just wait a few more days. '' The loan was originated in their " Loss Mitigation Dept, '' although >>we have never missed a loan or mortgage payment<< with them before, and the procedures for interacting with this department are very insulting *Wait times on the phone are consistently one hour or more, I have waited that long quite a few times* but this is not manageable anymore at my job, so the bank is unreachable by phone! Then I am told auto pay is set for the wrong amount, so our payment is rejected most months. The bank promised to fix this *for 6 months or more* but nothing has improved. I get letters saying I am in default, but then am told it is on auto-pay, why am I trying to pay again? The bank has destroyed my credit score so we are unable to apply for a replacement loan at any other bank -- we are literally being held XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM A VICTIM OF IDENTITY THEFT AND I SENT A FTC FRAUD AFFIDAVIT TO THE COMPANY AND REQUESTED THE ACCOUNT BE WITHDRAWN FROM BEING REPORTED ON MY XXXX ACCOUNT THE COLLECTION COMPANY IS STILL REFUSING TO REMOVE DEBT OFF CREDIT REPORT EVEN AFTER THE ORIGINAL CREDITOR XXXX XXXX XXXX WAS REMOVED OFF OF CREDOT REPORTS DUE TO THE IDENTITY THEFT LVNV ALSO SENT ME COPIES OF XXXX XXXX  STATEMENTS FROM A ADDRESS THAT I MOVED FROM IN XXXX THOSE STATEMENTS ARE FROM XXXX. I AM NOT LIABLE FOR ANY DEBT OWED TO LVNV ESPECIALLY AFTER XXXX XXXXXXXX WHO THEY BROUGHT THIS FRAUDULENT DEBT FROM WAS REMOVED OFF OF ALL CREDIT REPORTS IN XXXX XXXX.LVNV WAS REMOVED AND BLOCKED OFF MY CREDIT REPORT XXXX XXXX AND SHOULD BE REMOVED OFF OF MY XXXX REPORT ALSO

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX*Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXXBalance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$650.00XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXBalance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( XXXX CreditXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$650.00} : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-10-05
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Reporting Coinbase - sold my digital currency and placed in my EUR wallet. Followed instructions to send XXXX XXXX payment from XXXX bank account to get it verified and allow me to widthdrawnmy money. They state it takes 2 days after payment clears. That was XX/XX/2017 and my account is still not verified and I ca n't get my money out. I have sent 25 emails, raised 2 support tickets and send I direct XXXX   messages - no response. My case numbers are XXXX and XXXX. If you could please assist me in this it would be much appreciated. I feel like my money has been stolen. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: MoneySpot USA LLC DBA Sunshine Loans
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2023 got a phone call from a lady claiming to be a lawyer. She told me an order of location has been submitted and county officers were on their way. Soon after she called my wife and mother from number XXXX. She gave me a number to call with a reference that number was XXXX. That guy said he was working with sunshine loans to settle a debt. And pending legal action was taking place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03
Company: Federal Cash Advance, LLC of Oklahoma
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received a loan from Cash Max Texas located on XXXX XXXX XXXX in XXXX XXXX Texas. 

Before I made my1st payment I was told to call and theyll tell me how to make the payment. 

I was told via phone to click on refinance and make the payment that way. I made payment and balance went down from {$500.00} to {$400.00}. Logged in next day and balance was back up to {$500.00} Was told by rep that interest that hasnt accrued yet it sue when I make payment in 2 weeks. 

2nd payment 2 weeks later. Clicked on refinance made payment. Lon amount went down to {$400.00} again and then signed new loan document thinking getting monies from refinance and logged in next day and called rep at store and the balance went back up. To {$500.00} and new loan document from online is vanished. 

Called same day and asked to speak with corporate apple with someone on XXXX from corporate finally and was told that refinance for them is only extending the payment timeframe to 72 hours to make payment in full. 

Advised corporate this process is not customer friendly or clear and concise and will eventually cause more debt than anticipated. 

There has to be some kind of standard process that can be done as this is not fair debt collecting practices. 

Pleas please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Few years ago I purchased a vehicle my loan provider was Bridgecrest auto finance. 
During that time they have an inaccurately reporting to the credit bureaus I reached out to them multiple times too Bridgecrest in the guards to multiple late payments that are incorrect Starting from XXXX To XXXX at this point I dont know what to do I want this to be corrected but unfortunately Im on able to speak to someone order to handle this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: KLS Financial Services, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
KLS Financial Services / XXXX XXXX XXXX XXXX failed to verify /provide proof of debt under 15 USC 1692 ( e ) and 15 USC 1692 ( f ). This item is currently reporting to XXXX, XXXX  and XXXX. Also, this debt was remove from all 3 credit agencies and reinsert by KLS Financial Services / XXXX XXXX XXXX XXXX XXXX XXXX without providing written notification according to 15 U.S Code 1681i - FCRA 611 ( a ) ( 5 ) ( B ) ( ii )

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 2023-04-25
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got a new credit card with XXXX XXXX XXXX, all is good, but when I went to register my card on the app to make payments, it had me set up an account. It DID NOT just open an account in order for me to view/manage/pay my account balance, it ran my credit AGAIN and added ANOTHER inquiry. I did not otherwise for them to run my credit twice.

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 2022-01-18
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had received a notice from a debt agency ( Transworld Systems Inc. ) in XXXX of XXXX that I supposedly owe a certain amount of money from the creditor of XXXX XXXX XXXX. My family and I were moving at the time so I was not made aware of this notice until XXXX oXXXX XXXX. In which I had sent a validation letter on XX/XX/2021 to have this company prove that I am the person they claim in which this debt belongs to, in which they proceeded to send me a letter with a bill on XX/XX/2021, but no verification that I am in fact the person that owes this debt of {$430.00} ( in which " the account balance may be periodically increased due to the addition of accrued interest, as provided in the agreement with the original creditor ... '' ). I had sent them another letter, reiterating that they have not verified that this is my debt on XX/XX/2021 that I was expecting -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature Once again they had sent me a letter of just the bill of the breakdown of the payments that I supposedly owe, but there was no contract bearing with my personal signature, that I had originally asked in bother letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Experian Information Solutions Inc.
State: HI
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 have disputed 2 public record items with Experian consumer credit reporting company, on several occasions over the last 2 years. On the most recent occasion ( dispute report dated XX/XX/2019 ) I had explicitly asked Experian to provide me certain information regarding their investigation as per FCRA 611 ( a ) ( 6 ) ( B ) ( ii ) ( iii ). But they have once again refused to provide me this information I'm requesting for these 2 items. 
They are required by law to provide me the information I've requested. This is a clear abuse of power on their part, and a violation to my consumer rights! 

For the record, the information I requested from Experian in XX/XX/2019 and on earlier dates, for the 2 public records they are reporting on me, are as follows ; 1. A complete description of the procedure used to determine the accuracy and completeness of the information.

2. The date you contacted the furnisher of information ( current in relation to this letter ).

3. The complete contact information for the furnisher of information.

4. The name of the person who verified the item to you.

5. The method of communication you used to verify this information.

6. Did the furnisher of information provide you with my SS #, address, Date of Birth and signature? If so, please provide me with the information. 

Again, this is a clear display of abuse of power on their part. IF they have all of this information there should be no problem at all providing it to me. If they do NOT have all of this information then they legal must cease reporting it on my record. One of the two must happen. 
I have been more than patient with Experian and have tried to resolve this as adults without the need for any intervention. But it was to avail. That is why I'm filing this complaint today.

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 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. I NEVER RECEIVED ANY NOTIFICATION 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 DATE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: LJ Ross Associates
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
L J ROSS ASSOCIATES IN is a privately owned collection agency is in violation of the Fair Credit Reporting Act, 15 USC section 1681 ( i ) and 15 USC 1692 ( a ) ( 5 ) there is no debt. This collection is not this consumers account. This assumed debt was charged off after an internal credit in the amount of the loss in order to XXXX out the balances and close the account. The loss balance is then transferred from the XXXX XXXX XXXX to the XXXX XXXX XXXX which opened up another fraudulent. The agreement is satisfied, the terms of the agreement is satisfied and the account has been XXXX   out and the contract has been satisfied. This consumer is only responsible for the XXXX  account closed. So if the account that is closed and the contract that created the account, that contract has been satisfied then L J ROSS ASSOCIATES IN has no claim. I hereby irrevocably refuse to consent/contract to L J ROSS ASSOCIATES IN agencies because there is no law required for this consumer to do so. Until L J ROSS ASSOCIATES IN agency can provide a lawful authority by which this consumer is subject to comply with submitting to any debtors collections or jurisdiction in violation of my rights to be free of involuntary servitude. This consumer dispute this debt and all claims to contract in accordance with 15 USC 1692 ( g ) L J ROSS ASSOCIATES IN is hereby warranted to Proof of Claim in Arbitration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26
Company: Southwest Recovery Services, Inc.
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Complaint against XXXX XXXX XXXX, SOUTH WEST RECOVERY SERVICE,  XXXX XXXX, XXXX XXXX. 

XX/XX/XXXX - I submitted an application ( XXXX participating professional application ) to XXXX to establish a consumer credit program for, and to obtain merchant processing privileges. 
This program allows consumers to pay for dental services with XXXX XXXX. ( appendix a ) Application approved by XXXX XXXX ( XXXX ) Terms and conditions : XXXX ( appendix b ) XX/XX/XXXX XXXX   Welcome Letter ( appendix c ) : Thank you for adding the XXXX healthcare credit card ( offered by XXXX XXXX ) as another payment option to help more patients access care without delay. 

A terminal for processing XXXX was received. Part Number XXXX. Description XXXX XXXX, XXXX XXXX, XXXX. 
Serial Number XXXX. 

This terminal was used to process XXXX XXXX transactions until XX/XX/XXXX. 

XXXX XXXX XXXX letter informing of transition of XXXX to XXXX XXXX XXXX of commercial credit card transactions ( eg Visa, MC, XXXX etc ). This agreement was not to affect my XXXX Private Label Credit Card program. ( appendix d ) XXXX XXXX XXXX NEVER contacted me. The letter said " NO ACTION NEEDED ON YOUR SIDE '' PROBLEM :XX/XX/XXXX email from XXXX. ( appendix e ) Informs me of outstanding debt of {$890.00} from XXXX XXXX XXXX for equipment NEVER received XXXX XXXX XXXX XXXX This account is considered to be past due and will be reported against your personal credit on XX/XX/XXXX. 

My Comments : As soon as I received XXXX letter of XX/XX/XXXX I  contacted XXXX by phone asking them how to return their terminal ( XXXX XXXX, XXXX XXXX, XXXX ). They informed me that their terminal was not to be returned. I only needed to return XXXX XXXX XXXX terminal if I did not wanted to accept Credit Cards ( Visa, MC, XXXX, etc ). 
IMPROTANT FACT : I told XXXX representative that I had not received the terminal from XXXX XXXX XXXX. 
IMPORTANT FACT : I have never process CreditCards ( Visa, MC, XXXX, etc ) with XXXX XXXX XXXX. 
IMPORTANT FACT : XXXX XXXX Representative told me that it must have been an error as XXXX XXXX WOULD NOT provide the credit card service to merchants in XXXX XXXX. 
Representative told me I could disregard letter. 

Conclusion- XXXX XXXX does not do business in Puerto Rico . 
Terminal was never received. Please provide proof of delivery.

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 2023-02-09
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: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX CA  XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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