BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-12
Company: Diversified Recovery Bureau LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
They called my work today XXXX/XXXX/18 around XXXX PST and asked to talk to my supervisor regarding enforcing a contract I agreed to. There is no wage assignment or court. They are not allowed to talk to my supervisor regarding my debt and the message for my supervisor that they were trying to enforce a contract on me was clear it was a debt collector. The call back number is XXXX XXXX XXXX. This is humiliating for my supervisor to know I have an unpaid debt and they even asked about the owners of the company. I have told them in previous calls I can not talk at work call my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Was never advised or received notice Fifth Third Bank Master Card was  cancelled/closed. There was NO balance on this card as I pay my bills monthly. After attempting to use card it was rejected. Went to research online but account no longer exists. Credit monitoring alerted me that bank had closed card with no reason given or any ( phone, Email, written correspondence ) notification given. It was summarily and arbitrarily cancelled. No files available to upload as I have never received ANY communication from Fifth Third Bank whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: Core Recoveries, LLC
State: NJ
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 defaulted student loan has been paid in full as of XXXX/XXXX/XXXX with Department of Education. I attended XXXX XXXX XXXX XXXX located in XXXX XXXX, NJ ( original transcript attached ) and graduated with XXXX in XXXX. While attending this XXXX I took out a XXXX loan. The original servicer was XXXX XXXX who transferred my student loan a few times. I made a few payments and later defaulted on the loan. In XXXX the debt was paid and I received a paid in full letter from the secondary agency XXXX. I have sent supporting documentation such as Federal Income Tax return, proof of payment history provided by XXXX, certified original note reflecting the debt in question is one and the same without avail. The contracted agency Account XXXX XXXX XXXX have harassed and dismissed my statements about my debt is paid in full. They Collection agency is currently garnishing my payment with my employer with is a violation. I have paid this debt and they are getting twice for my loan. I am without any help and need guidance and direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Experian Information Solutions 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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2018-01-12
Company: State Home Mortgage
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
State Home Mortgage XXXX or XXXX or XXXX call contact numbers that me and many other consumers are having issues with when calling in to get answers on mortgage matters. 

I received a call from State Home Mortgage on XXXX/XXXX/XXXX at approx XXXX EST asking me when do I plan on making payment. I felt that this number one was very unprofessional versus asking me what is going on or if I was aware that they had not received payment. I then explained to the representative that I made my payment via online Bill pay through my financial institution on XXXX/XXXX/XXXX and that the payment was taken out of my checking account on XXXX/XXXX/XXXX. I then proceeded to ask since the check that is cut and mailed out is post dated if I would receive any late fees the rep stated yes if they do n't receive payment by the XX/XX/XXXX. Why is this this does not seem to be fair or ethical maybe I am wrong. 

So I immediately called online bill pay to have an escalation to have them do further research on where the check is. Upon calling back on XXXX/XXXX/XXXX numerous of times and selecting the option to speak with customer service directly again at State Home Mortgage the phone lines kept disconnecting my call as if their were some technical difficulties. Once I was finally able to get someone on the phone they stated they are aware of the issue but it is due to their high call volume. Sounds like they need more representatives. Upon reading XXXX reviews I discovered after being locked out of my online account to review information as it pertains to my mortgage that it seems as if State Home Mortgage has deceptive practices that I feel need to be investigated immediately. One being their phone lines and no one being able to get the answers they are looking for and two getting a call back in a timely fashion upon leaving voice mail after voice mail after voicemail. It is ridiculous and shameful that I have to call 20 something times for their phone line not to hang up on me. Another issue that many consumers are having is not being able to make a payment on their website as the representative suggested to me because they are having issues with Bill Pay. What type of issues when a check is cut and mailed to you all 15 days before I am late with the exception of myXX/XX/XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX PHH has been tortuously combative against this borrower for the last 3 months. 

We submitted our authorization on XX/XX/XXXX. We called in XX/XX/XXXX and were told the validation of our authorization would be completed the next day, XX/XX/XXXX. 

XX/XX/XXXX we called in and were told our authorization was going to take an additional 10 days. We tried to speak to management and escalations several times. The reps were consistently rude and combative with us. When we were finally transferred, we were repeatedly transferred back to their department in XXXX, which we know from the last 12 years working hundreds of files with PHH ( XXXX ) to be worthless at problem-solving. 

PHH is giving us the same treatment they have been giving the borrower over the last 3 months. The borrower is a minority whose husband has recently passed away. On top of the stress of her husband passing away and then realizing she is going to lose her home, PHH has taken it upon themselves to be combative and abusive. 

This is UNACCEPTABLE. I want our authorization to be validated immediately. I want answers as to what is going on on this file NOW, and the egregious and unprofessional behavior to STOP!!! 

CC : 1. OAG 2. XXXX XXXX 3. OCC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: EQUIFAX, INC.
State: IA
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: Problem with product or service terms changing

Complaint:
I looked on Equifax website to discover I was probably affected by Security Breach in 2017. Trying to reassure myself Equifax might be worthy of protecting me with its free offer I read as much as I could about the offer. I called the number offered for learning about insurance offered as part of XXXX XXXX credit monitoring product. Unable to get any information about the insurance product offered : what it actually does cover.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: EQUIFAX, INC.
State: MS
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 am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it vey difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible : 1. XXXX XXXX : XXXX XXXX, XXXX 2. XXXX XXXX XXXX : XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX 4. XXXX XXXX XXXX : XXXX XXXX, XXXX 5. XXXX : XXXX XXXX, XXXX 6.  XXXX XXXX XXXX : XXXX XXXX, XXXX 7. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX 8. XXXX XXXX : XXXX XXXX, XXXX 9. XXXX XXXX XXXX : XXXX XXXX, XXXX 10.  XXXX XXXX XXXX : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AR resources INC XXXX $ XX/XX/2019, this company has called me numerous of times at an inconvenience of timing for me attempting to collect a debt that i do not owe, based off of 15 us code 1692g this company has not provided me with the 5 parts that constitute validating a debt! This company has contacted numerous of times at an inconvenience and troubling times and based off of 15 US code 1692 ( c ) a1 this is a violation, this company has also violated! Also 15 us code 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer credit report. This company has reported that i owe a debt to the three major credit bureaus, i am asking that this be resolved with an immediate removal and letter sent to each bureau requesting removal, or i will send an invoice which states each violation and i will pursue legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Benuck & Rainey, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently received a phone call from XXXX. The company name is Benuck & Rainey. I was told it was for medical equipment from XXXX XXXX I had in XX/XX/XXXX. I advised that I had not received a bill for the {$80.00} they said I owed. I also explained that my address had changed but she did n't seem interested in correcting my billing address. The person on the phone became rude, argumentative, talked over me. etc. I explained I would not verify info over the phone and asked them to contact me via mail. I tried my best to treat them exactly as they treated me, so I was n't nice. After disconnecting the call I immediately began receiving hang up calls from them. They also called me from another number XXXX. Reverse phone search revealed this is the same company. This all started onXX/XX/XXXXat XXXX XXXX. In addition I received several call with the caller id blocked which appeared as " UNAVAILABLE '' on my caller ID. I called back and spoke with someone who stated she was a supervisor. She basically said I was a liar, and she was sitting with the representative. I told her I did not intend to conduct business with their company and asked for all correspondence to be via mail. I received another call today and was told by the representative that the company had 20 phone lines and would continue to call me. When I receive a bill, I will be happy to consider payment, not until.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I made a purchase XXXX/XXXX/XXXX for XXXX. There should have been {$50.00} in rewards applied and the credit was not applied. The full purchase was charged to my card. 

Sent email through card website. After a few useless and non-helpful exchanges filled with canned email responses that do n't even apply to the situation I was told I 'd have to call Customer Service. 

Call - get shuffled around a few times by associates with obviously the main goal of playing hot potato with my phone call until landing with a top performer of  disengagement who sounded like I was waking her up. After she asked me what my issue was she promptly said " hold on '' and placed me on hold into a complete black hole. I thought it was maybe so she could finish her nap or eat breakfast - but after about an hour of dead silence it became apparent her true plan was to park my call somewhere until I hung up. But, it 's ok - because I 'm using my time wisely and multi-tasking to submit this at the same time. 

Ridiculous. 

I 'd like the issue resolved and the card closed. I 've only had it a couple months. It 's not worth the trouble. I 'll take my business elsewhere. 

Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-24
Company: Experian Information Solutions 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 have been a victim of identity theft

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 2019-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
CRA is in continuous error and hence violation of the FRANK DODD ACT, along with several FCRA, FDCPA and other consumer protection laws.

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 2017-10-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My TARP/HAMP 1TD modified mortgage from XXXX ( XX/XX/XXXX ) was transferred to my currenter loan servicer SPS in late XX/XX/XXXX/early XX/XX/XXXX from a previous loan servicer XXXX when XXXX sold my loan. For a little over six years, I made principal and interest payments with all three loan servicers ( XXXX, XXXX, SPS ) of {$870.00} a month pursuant to the Loan Modification Agreement. Then in XX/XX/XXXX, and without notice, SPS stopped collecting the principal portion of my monthly mortgage payment ( via auto debit ) that was approximately {$350.00} a month. In XX/XX/XXXX, when SPS again failed to auto deduct the principal pay-down, I called them for an explanation. From XX/XX/XXXX through XX/XX/XXXX, I called every month for an explanation, and every time I called, I could NEVER get beyond the call-serving level of SPS to speak to a supervisor about why they stopped collecting the principal payment. The legions of call-service representatives with whom I spoke made a variety of guesses but could only confirm that they had been previously collecting a principal payment every month ( which at first they denied ) but were not anymore. Then in XX/XX/XXXX I received a notice from SPS that my fixed interest rate of 2.5 % was being adjusted to 3.75 % and would adjust every XX/XX/XXXX hereafter. My monthly calls to SPS increased significantly throughout XX/XX/XXXX and XX/XX/XXXX, but I could never speak with the same person about what was happening to my loan terms. In mid XX/XX/XXXX, I met with a branch manager of  XXXX who also called SPS on my behalf. XXXX and I believed the XX/XX/XXXX Modified Loan Agreement was fixed for 40 years at 2.5 % and, in effect, the original ARM was permanently modified ( as was my equity line with XXXX, which they still own and service pursuant to the TARP/HAMP mortgage rescue program ). Sometime in XX/XX/XXXX, SPS moved my incessant telephone questions into a category they called research, but only after I wrote a letter dated XX/XX/XXXX ( attached to this Complaint ). Once XXXX began representing me, SPS moved my inquiries into dispute. In late XX/XX/XXXX, after four or five calls from XXXX ( with me present and sometimes handed the phone ), SPS said the XX/XX/XXXX Loan Modification Agreement lacked two keywords : Fixed before 2.5 % interest rate, and permanent, which did not appear in the caption of the agreement or anywhere in the body language. XXXX and I believed the modification was fixed and amortized to a payment in full date in XX/XX/XXXX ( see paragraph 2 of the agreement ). In short, some phantom supervisor at SPS unilaterally decided that because TARP/HAMP ended in XX/XX/XXXX, I was now back in the terms of the original ARM ( dated XX/XX/XXXX ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company through the credit bureaus multiple times to have this unverifiable account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.

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 2019-04-11
Company: H&H Legal Support Services LLC
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a 30 days notice from H & H legal support services attempting to collect a debt for a car repossession. I did speak with them and advised I would take the car back if possible since the collection was for the full amount of the original sale they got back with me saying the shady, dealer had already sold the car. I proceeded to still keep my arrangement and made the 1st payment to them. I am legally only supposed to pay the difference they sold it for and this agency should only be charging me the difference. I did not receive any other update or letter with the correct amount and when asked they said this was a new customer and they were not aware of certain things!? Good customer service is not there strong suit and apparently proper collection methods either. They are quick to collect and send letters and threaten small claims and garnishment of wages but do not even have the correct information to proceed to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted a complaint and the number is XXXX. Wells Fargo responded with a lot of irrelevant information avoiding what is the heart of the issue. I AM NOT A CO-BORROWER OR CO-SIGNER ON THIS ACCOUNT AND AM ONLY AN AUTHORIZED USER WHICH MEANS I AM NOT FINANCIALLY RESPONSIBLE!!! AS AN AUTH USER I CAN USE THE CARD, " BENEFIT FROM IT '', AND PAY THE BILL AND THAT DOESNT MEAN I AM FINANCIALLY RESPONSIBLE JUST BECAUSE YOU HAVE ME ON THE CHECKS PAID OR STATEMENTS!!!! According to the laws you are required to follow you need to produce the original contract showing my signature which you FAILED TO DO. THE STATEMENT BELOW DOESNT LET YOU OFF THE HOOK OR ABSOLVE YOU OF FOLLOWING THE LAWS! IF YOU DONT HAVE THE APPLICATION YOU CANT REPORT THIS TO MY CREDIT PLAIN AND SIMPLE. I also was not on the bankruptcy.

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 2019-07-24
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I never received any information regarding this account prior to it appearing on my credit report. I was advised to pay the debt to make it go away regardless of receiving any information from the creditor. I disputed the debt on XX/XX/19 and received no response from the company, though it came back verified. How was the debt verified and why didn't I receive any communication? I disputed it again on XX/XX/19 with the same result - no communication but verified. Furthermore, the account is listed as open with XXXX. How is a paid collection, open? This company has sloppy reporting and collection practices and is hurting my ability to move forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation