BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-02
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I paid my last bit of four increments of {$4300.00} ( XXXX XXXX XXXX XXXX Dollars ) to an alleged broker/landlord. 
Upon finding the listing on XXXX, I contacted the phone number which they had listed as " ( XXXX ) XXXX. 
The listers name was " XXXX ''. 
I advised him I had interest as such in viewing the apartment. 
He suggested I go to view it in person. 
He wouldnt be able to make it due to other listings he has to show other potential buyers at other locations he has for rent. He told me that I can go in person with the lockbox code in which will grant me access to view. 
Upon doing so, I went on Saturday, XX/XX/2019 at XXXX XXXX on XXXX XXXX XXXX XXXX NY XXXX. 
I viewed the apartment with another companion, I liked the apartment, I then called XXXX to inquire about the process to move in. He advised I should fill out lease application in which he will send me via email. The email is " XXXX '' " XXXX XXXX '' is the landlord and emailed me the lease application. 
I filled it out. I then emailed it, I was told to send deposit to secure the apt . 
I sent the money via ( " ZELLE '' ) She confirmed delivery of funds. 
I havent heard from them until Thursday XX/XX/XXXX in an email reply to my original email inquiring on the lease I was promised. 
I wanted to know why the past couple days, I was guaranteed to receive it, but had yet to receive it. I then got more leary, I was told verbatim, it bounce back but assistant was supposed to send it day prior. I have been " taken '' a victim of fraud a scam. 
I am a mother of XXXX young children, trying to provide shelter for my children and myself, a student and full time worker, I really hope that this matter can be escalated and resolved. Thank You very much. Post all the events that transpired, I looked at the apt online today, I see an adjustment in the listing price by XXXX $ more, also a whole new contact number. 
I have all references, a witness, texts emails, phone calls, pictures, and transaction ID time and date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Experian Information Solutions Inc.
State: VA
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, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I disputed these fraudulent accounts multiple times and they are still being furnished on my credit report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.

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 2018-01-26
Company: Asset Management Professionals, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've been getting calls from asset management about a supposed debt I took out with XXXX XXXX in 2011. There are a lot of red flags to this claim. Why are they just asking me about this loan that happened years ago? Why can't I mail in payments, instead of giving them a lump sum.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-15
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Hi, This is a follow up to complaint XXXX. 

Synchrony Bank did not credit my XXXX payment. I made the payment on XX/XX/XXXX. I then made another payment on XX/XX/XXXX because the said I was late. That is when I realized that I made 2 payments on XX/XX/XXXX, but 1 was for XXXX. Sychrony IMMEDIATELY lowered my credit limit from {$10000.00} to {$1900.00}, which was right around what I owe on it under a promotion. So I got in touch with them, and told them what happened. They agreed with me that the payment for XXXX was made, and waived the late fee. However, they refused to put my credit limit back to {$10000.00}. They stated they sent me a letter detailing this on XX/XX/XXXX, the same day I made that 2nd payment. Which if you look at my last letter from them, they were going to take retaliatory action with anything that may happen. So they sent me a copy of the supposed letter they sent as of XX/XX/XXXX, which, of course, was not received. In a letter dated XX/XX/XXXX, they denied my credit increase. Well, if you look at the complaint that this is a follow up to. The cancelled cards that were reopened have still done major damage to my credit score. This action was a negative action because the balance was close to the limit. Which this was a listed action on their letter. Synchrony is doing this to retaliate for me taking the proper channels in a complaint. They've already taken actions to show that they know they are wrong. They reopened all the card from the last complaint, with the same credit limit. So when they XXXX  up my XXXX payment, they waived the late fee, but made me keep the lowered my credit limit. I don't understand why they are doing this when there is a global pandemic. If you've seen the news, the CEO stepped down to the board of directors. I wonder if the mass closing of accounts had anything about that. I've heard it was. Oh, and they did what they did in XXXX. As soon as I made a payment, I got a " new statement '' email after that. I made my payment today, for the payment due on XX/XX/XXXX. Right after I made that payment, I received a new statement email. The website also did not update to the payment being met.

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 2017-07-10
Company: Ditech Financial LLC
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ditech Financial LLC is the 5th lien holder of this disputed debt. In XX/XX/XXXX, I purchased a house for {$250000.00} through a bank in NM. That loan was sold to XXXX, which then sold it to XXXX XXXX XXXX, which then sold it to Green Tree Financial, which then sold it to Ditech Financial. The debt was sold four times through XX/XX/XXXX. By XX/XX/XXXX, I made the decision for my XXXX children and me that we could no longer afford to live in the house. I was borrowing from family and living on credit cards in order to make the mortgage payments. I notified XXXX XXXX XXXX that I would be unable to continue to make mtg. payments, but would attempt to remedy the situation. I made efforts to rent the house through a rental company which specialized in this type of transaction, due to the state of the economy, there was n't the market for such a large property. I made sure that the septic system was cleaned, swamp cooler serviced, termite inspection done, furnace serviced, guest house rooms freshly painted, shrubbery trimmed. We also left a usable refrigerator in the garage and the house cleaned when we left. I left the house keys with the next-door neighbor, and notified XXXX XXXX XXXX that 's what had been done. Within a few days, men came from XXXX XXXX XXXX (? ) /Green Tree (? ) -- got the keys from the neighbor, went through the house, changed the locks, then exited. I contacted Green Tree and tried to work through that company to resell the house via their specific division, but was notified by them that since I had moved from the house, I was considered an absentee landlord and they could n't help me! What a joke! I then tried to sell the property through a realtor that specialized in short-sells, verified with Green Tree that I had all of the paperwork, it was all vetted, we had a buyer who was ready to sign the purchase agreement -- of course it was a lot less than the $ XXXX, but it would have saved the property and me. That day, both the realtor and I were notified by Green Tree that the house was being put up for sheriff 's sale and the realtor and I were out of the picture. The house was sold at sheriff 's sale -- by Green Tree to Green Tree -- for {$200000.00}. It was then resold to another buyer. At some point after that, Green Tree sold the loan to Ditech Financial, which really just might be Green Tree/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DBA Ditech Financial. I was sent a Capital Gains Statement for my XX/XX/XXXX income taxes in the dollar amount of {$180000.00}. We had no gains from this whole nightmare, only losses on top of losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Email from XXXX account for National Credit Adjuster Skip to content Using XXXX with screen readers Meet Start a meeting Join a meeting 3 of 21,450 FINAL WARNING Inbox x NATIONAL CREDIT ADJUST XXXX Tue, XX/XX/XXXX, XXXX PM ( 19 hours ago ) to me Dear : XXXX XXXX , We have given you every chance to resolve this matter outside the court house but you are not willing to resolve this matter. We will mark as a flat refusal on your account and take immediate action against you, we have repeatedly advised you of your long overdue balance in the amount of {$1200.00}. Since you have not made payment, we have turned your account over to our attorneys and instructed them to commence suit without further delay. There is still time, however, to avoid suit if you pay settlement amount today. This will be your final opportunity to resolve matters without the expense of court proceedings. 



At this time your case file has been marked as a primary suspect, so at this time if I send you something in a writing its defamation of character, as well as it was mentioned in the contract paper between you and the company that if a person is failing to repay loan in a stipulated time period, then the company is not able to send you any kind of written documentation, FDCPA rules and regulation under the section us law [ 15 USC 1692c ] 805 ( b ) you need to check it out or you can also ask for any federal attorney.

3 Hard allegations have been pressed against your name and your all information.

1. Violation of Federal Banking Regulation.

2. Collateral Check Fraud.

3. Theft by Deception. 



Financial and personal contact information are current per our skip trace. 

Personal information regarding this account obtained with a recent skip trace : Debtor : XXXX XXXX SSN : XXXX DOB : XX/XX/1980 Drivers License : XXXX Bank name : XXXX XXXX XXXX XXXX. 

Account number : XXXX Routing number : XXXX We are prepared to proceed with legal action. However, our company would prefer to give you one last opportunity to make payment and avoid legal action. 





If you take care of this out of court then we will release the clearance certificate and we will make sure that no one will contact you in future. 



Please let us know what your intention is by today itself so we can hold the case or else we will meet you in court house. 



Reply me back immediately with your final answer so we can be in a position whether to put hold on your case file or to proceed it inside the courthouse, Thank you, Sincerely, NATIONAL CREDIT ADJUSTER, I'm not interested.I am not interested.What is this about?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I closed an account with XXXX several years ago. They attempted to bill for a device that was not revieced quick enough. I resolved the issue with XXXX management but the account was still turned over to collections. The first collections company contacted XXXX after I made them aware of the full situation. They removed the account from my credit immediately. It has since then been passed on to several different collections companies who all contact me and place the account on my credit report. The latest company refuses to remove it or to contact XXXX for the correct information.

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 2019-08-02
Company: EQUIFAX, INC.
State: WV
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:
Equifax allowed my information to be leaked on the dark web in 2017 and I do not want that company to have access to my personal information any more. I have no way to stop them and no way to be compensated properly either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, 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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by 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 ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Premier Student Loan Center
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I registered for loan consolidation with Premier Student Loans XX/XX/XXXX. When I signed up on XX/XX/XXXX I was told in an email and on the phone there was a 10 day cancellation window. If I cancelled within that 10 day window the consolidation would be cancelled and all of my money would be refunded. I signed up XX/XX/XXXX and cancelled by phone and by email on XX/XX/XXXX. ( Still within that 10 day window. ) My money was refunded back in XX/XX/XXXX and I was told via phone that the consolidation had been cancelled after I did not receive a response from my email. Earlier today I called XXXX XXXX XXXX to start a payment plan to begin paying back my loans with XXXX XXXX. When I spoke with a representative at XXXX XXXX I was told my loan had been consolidated by XXXX. I guess Premier Student Loans transferred my loans to XXXX after I had already cancelled?? And my loans were still consolidated against my will. I called XXXX XXXX at Premier Student Loans and notified him of the error. He told me it was their mistake and that the consolidation should never have went through as they noted I cancelled within the 10 day window. I then spoke to his supervisor XXXX XXXX and she also told me that it was their mistake and that they were sorry but the consolidation has already went through and it was too late. I am very confused and upset as I clearly followed all of the guidelines to cancellation and because of their negligence my loans were consolidated against my will. I did not receive any notice in the mail for any of this consolidation, so I am just finding out today of this unwilled consolidation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-18
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I purchased furniture through the XXXX XXXX XXXX & they gave me a promotional no interest for 18 months payment plan. I have the payments on XXXX & have never been late. XX/XX/2022 my total closing statement balance was {$3300.00} & A payment was debited out of my account for {$500.00} taking the total balance to {$2800.00}. 

My XX/XX/2022 closing statement comes & I notice my total balance is still {$2800.00} they debit my account again for {$500.00}, Yet I notice a " Interest charge of {$3900.00} making my new balance $ {$6300.00}??? 

I called the Customer service line @ XXXX & speak with a Customer service Rep & she informs me that since my promotional 0 % interest had expired they were charging me the accrued interest on what the total purchase was at the time I took the account out {$14000.00}. 

We had a dispute about charging interest of paid balances and she basically said they would just report me to credit bureau and ruin my perfect credit score if i did not pay the accrued interest. 

I went to on line on XX/XX/2022 and paid the full balance of {$2800.00} and when i check the site this morning. they took all those funds and applied them to interest only none to principal. 

This seems to be a highly unethical business practice & charging {$3900.00} of interest on a total statement balance of {$28000.00} is an illegal business from what I read.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/20XXXX XXXX XXXX XXXXXXXX XX/XX/2022

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 2017-11-15
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo is reporting a recent late payment when we were not late. We made the payment over the phone before the due date, got confirmation of the payment as well. 
They are the ones who made the mistake and they have promised me it would be fixed and they have not fixed it yet.

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 2017-11-15
Company: EQUIFAX, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Over the last two years or more, I have tried to get a response from EQUIFAX. Their credit score with exactly the same information as XXXX, is 120 points lower. XXXX IS XXXX  EQUIFAX IS XXXX. The information in the report is the same but since it is the same there is no way to dispute their score. XXXX IS XXXX. Again the same information. How can I get them to adjust the score to within the same number as everyone else. There would be no reason to have such a difference and i would like it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent dispute letters where I disputed incorrect/unknown items on my credit report. It's going on day 55 and I haven't heard anything back yet regarding these incorrect/unverifiable items on my report. I'm sick of this, this has negatively impacted my family for the past few months. Everything is in shambles, I feel like I'm being ignored and played with and won't take this any longer I'm in distress. In section 611 it is stated that a failure to investigate the items I've disputed within that 30 day time frame is a reason to remove those items IMMEDIATELY. I demand these items be removed immediately or I will be filing litigation for for the stress you have caused me and my family.

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