BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-29
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about the second week of XX/XX/XXXX, I was contacted by Phoenix Financial Services, LLC ( PFSL ) concerning an alleged medical debt, in the amount of {$110.00}, that they said was incurred sometime in XXXX in XXXX XXXX Nevada. 

I don't owe this debt, was never informed of this debt, I don't live in XXXX XXXX Nevada and was never sent any debt collection information until now. When PFSL contacted me by phone at my work they did not know my current address or even knew if I was the correct person who owed this debt. 

I asked them for the following information ; 1 ) Validation of this debt by a ) send the original notice and documentation of the debt, b ) who the original creditor was, c ) actual copy of the documentation for the bill that they said was incurred showing the amount and breakdown of the services provided, 2 ) when such debt was reported on my credit report ; a ) when this was reported, b ) if my social security number was compromised by PFSL or shared with other creditors or debt collectors, c ) any correspondence or documentation with any communications from me prior to this initial contact by PFSL. 

They refused to send my " any '' validation information other than a bill that looks like a " check, '' which appears to be deceitful and deceptive. This appears to have been sold several times from other debt collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern I have my escrow account with my mortgage provider. In XXXX, Freedom mortgage purchased my mortgage and assumed all responsibilities. Freedom mortgage failed to pay my flood insurance, at a cost of {$690.00}. The company then failed to notify me, call or email me, or send the payment so I can make it. As a result, my flood insurance has expired and I had to find out right before hurricane Ian hit. As of now, the 2 insurance quotes I have are {$1800.00} through XXXX ( previous insurer ) and {$1400.00} through XXXX, which is more than double my premium. 

This is completely Freedoms fault since they hold a fully funded escrow account and failed to make the payment. Therefore, I am seeking the following relief : 1 ) Freedom mortgage to purchase my flood insurance, as is its responsibility. Any increase in quote above {$690.00} will be paid by them. 

And 2 ) Future increases of more than 20 % will be handled by the mortgage company, even if mortgage is sold to a different company. The responsibility will transfer. 

Or 3 ) Refund me the charge for Escrow ( at closing ) and send me back my account and Ill handle mu finances. 

And 4 ) Refund me all the months that Freedom left me exposed. 


Freedom has grossly mishandled my situation, failed to reasonably inform me back in XXXX ( I could have paid {$690.00} ) and continues to not be responsible. They need to be held accountable for their lack of action. 

Thank you 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 2019-09-13
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly duplicate entries of a charge-off on XXXX partial account numbers - XXXX. ( Please see page attached from my credit report. ) The first entry is reporting a {$0.00} balance and the second entry is reporting a balance of {$8000.00}. I contacted XXXX XXXX  and let them know that the charges reporting is fraudulent. I did not incur these charges. The representative I spoke with confirmed that this debt does not belong to me. The balance reporting is not accurate and the duplicate entries reporting on my credit report is harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2019-09-13
Company: JDJ Investments, 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:
CBS Collections has received disputes for the account entries reflected on of my bureau reports. In my previous correspondence to them, I have requested that they prove the debt they placed on my credit reports and alleging I owe, is indeed mine. I never received a dunning letter nor any correspondence from them notifying me that they were attempting to collect a debt. My requests specifically requested that they provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, original delinquency date, date this alleged debt became payable as well as complete accounting of alleged debt. To date, to no avail. Additionally, I have disputed with the credit bureaus and they submitted documentation that states CBS verified the debt ; however, CBS has  yet to respond to both of my requests made to them sent certified mail. My certified receipts validate that both letters were received by CBS.  These erroneous, inaccurate, unverifiable entries on my reports are violating my consumer rights and has caused me denials for credit. 

In my most recent communication to CBS, I requested they provide a copy of the financial responsibility page, a copy of the alleged signature of the alleged provider of service to release any medical information, and cease any credit bureau reporting until the debt has been validated by me. To date, CBS has not provided any documentation that validates their allegations, nor the derogatory reporting they continue to do. 

Please see attached documents that reflect my attempts to communicate with this company as well as my credit reports that reflect this erroneous, inaccurate entry. The mere fact that CBS has never sent any correspondence to me notifying me that I owe an alleged debt is a direct violation of my rights. Blatantly inserting an entry on my reports and not notifying me violates my rights as a consumer to dispute the validity of their alleged claim. 

DELETE THIS ENTRY IMMEDIATELY AND SEND A FULL, UPDATED COPY OF MY CREDIT REPORTS THAT REFLECTS THE AFOREMENTIONED OUTCOME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX failed to delete the errors on my credit report. Delete all negative errors on my credit report and the inquiries According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. I gave them over 120 days per Pandemic Crisis.

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 2019-09-13
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: Account status incorrect

Complaint:
I have a loan with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX and Equifax only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never XXXX days late.

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 2020-09-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received a letter from XXXX XXXX indicating they have collection on me, I tried sending a fax but they claim they didn't receive it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a purchase of {$190.00} at XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX. 

Payment was made by check in that amount by mail. The payment due date was XX/XX/XXXX. My check was processed XX/XX/XXXX. A finance charge of {$27.00} and a late interest charge of {$4.00} was assessed for a total of {$31.00}.

Payment of {$190.00} was inadvertently made again by my husband and processed on XX/XX/XXXX.

I called XXXX XXXX XXXX several times to have the charges of {$31.00} waived, and for refund of my overpayment.

A check for {$140.00} was dated XX/XX/XXXX and received by mail by me 6 weeks after the initial payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Westlake Services, LLC
State: TN
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 look at my credit weekly due to fraud with someone having same name and DOB as me in same city, now I am seeing a lot of inquires on my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from several companies I have had no contact with nor have any idea who they are and what they be using my ssn number for as I am not needing anything regarding my ssn number. The companies that have illegally used my ssn information is Westlake Service XX/XX/2020, XXXX XX/XX/2020 and XXXX XXXX XX/XX/2020. I would like these illegal inquires removed immediately as well as documentation showing my id and signature allowing use of my ssn. Furthermore I was working on each one of these days 12 hours and we are not allowed phones on my job which is a little more alarming as to how my credit was ran without my consent or me in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
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: Their investigation did not fix an error on your report

Complaint:
equifax has a posted negative for XXXX this should be deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Was contacted by Credence Resource Management in XX/XX/XXXX regarding a debt collection from XXXX for the amount of XXXX. Informed agency that the debt was settled for a lesser amount in XX/XX/XXXX and I believe that the debt is not valid. Filed multiple disputes with the company and the company repeatedly denied the dispute is valid. I have contacted XXXX and XXXX XXXX XXXX to resolve this matter. XXXX XXXX XXXX has communicated with them that the account is settled and to stop trying to collect on this account. XXXX XXXX XXXX has sent documentation on XX/XX/XXXX stating the account was settled. Credence has repeatedly ignored XXXX XXXX XXXX. XXXX XXXX XXXX has sent a cease and desist letter to get them to stop and that has not happened yet. They have continuously call, including calling my mother 's phone. Now Credence is emailing me saying the debt is valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Once you've successfully filed your credit dispute, you should expect the following to happen : 1.  Confirmation Code You'll receive a 10-digit confirmation code for future reference. You may check your status anytime within your XXXX  account. 

2. Investigating Your Dispute When reviewing your dispute, if we are able to make changes to your credit report based on the information you provided, we will do so. Otherwise, we contact the reporting company to verify the accuracy of the information youre disputing. 

3. Results in 30 Days Within 30 days of your dispute request, we will notify you of the results of our dispute investigation. 

From XXXX page themselves but all my disputes take more than 45 days in most cases

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 2021-07-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Still charging interest on purchases from their previous delay in posting payment in XX/XX/2021! This is ridiculous!!! On the statement with due date of XXXX, they have charged {$7.00} in interest. ALL PAYMENTS HAVE BEEN PAID IN FULL EACH STATEMENT AND ALL INTEREST CHARGES SHOULD BR REFUNDED! 
I believe their processing of payments is extremely slow! This bank is frauding their customers and should be audited! They are very uncooperative and representatives are like robots!! 

Please resolve this claim, along with the other FOUR ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2020 Ive made a several purchases on XXXX with my Discover *XXXX  card. All of the purchased items have been successfully delivered to my business and home addressees in XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX  XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, respectively. Unfortunately, some of the items looked and performed not as it was described in the original listing. Therefore, Ive requested a return and a refund within XXXX XXXX 30 Days return, most of the returns have been honored as it reflects on my account. However, listed below items, havent been reimbursed : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  - {$570.00} 2 ) XXXX XXXX XXXX XXXX - {$160.00} 3 ) XXXX XXXX XXXX & XXXX XXXX XXXX XXXX - {$250.00} 4 ) XXXX   XXXX XXXX  XXXX  - {$160.00} Ive filed a dispute on Discover website and attached as a supporting document ( for your convenience, Ive attached a copies of these again ) copy of return shipping label issued and approved by XXXX, as the reference for this return as well as XXXX is listed below. 

Ive thoroughly reviewed documents, provided in merchants rebutting and would like to point your attention to the facts in these papers, such as. In each .pdf XXXX shows that the return tracking numbers are matching the return tracking numbers attached by me and shows successful return of packages FROM NEW YORK STATE ( where Im located ) TO KENTUCKY STATE ( where XXXX facilities are located ). In all of these pdfs you can see phrase return requested true altogether with a tracking description matching previously attached by me documents. Additionally, merchant attached copies of the original tracking information in the bottom of the rebutting documents, proving my address in New York and confirming the fact of the original deliveries, which Im not rebutting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-29
Company: Bread Financial Holdings, Inc.
State: AK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been getting multiple calls from the bank with rude customer service with each call. I have gotten 6 calls in one day from this bank. I told them I was aware that the balance was due but I was out of work due to Covid-19. The woman I had spoken to was very disrespectful towards me with the last phone call. I also gave them specific times they can and can not call as I have just returned to work and I can not be on the phone while at work as my job involves personal care of others. Any time I would speak she would speak louder over me so I could not explain my situation. I asked if they would settle the payment they said I was not eligible for that and they would not wave any fees as they had done that for me 1 time in the past as I was out of work due to a serious medical condition. Every time they call me I get 3-4 calls a day from many different numbers and each time they are very rude. Even calling when there was a note put in by a supervisor not to call me at the certain times I had specified but they continued to call any ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Experian Information Solutions Inc.
State: LA
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 notified Experian credit bureau that accounts had been open fraudulent in my name and they still have not remove the fraudulent accounts from my credit report. I submitted a police report, drivers license, social security card, bank statement, and a sign notarize affidavit form to Experian more than four ( 4 ) months ago and still no changes. I first notified Experian over 4 months  ago. I will like for the fraudulent accounts that do not belong to me to be remove as soon as possible. Thank you

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 2018-12-24
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:
Experian credit bureo still getting everyone my info and also dont deleted the data that is not my in my repert also they know i been victim of identity thief

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 2021-07-17
Company: Grain Technology, 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: Account status incorrect

Complaint:
XX/XX/2021 and XX/XX/2021 I received confirmation that my account was set on autopay. My account was linked via plaid. The email confirmations sent on XX/XX/XXXX, and XX/XX/XXXX state my payment is set for auto draft, but as of today they are reporting a 30 day late payment which is incorrect. There system has major technical issues ; their system shows as of today I owe {$17.00} while at the same time I have a XXXX balance. They confirmed via email that my balance is XXXX and they returned my security deposit in XXXX. In XXXX they sent notice that their system was having issues but they refuse to respond to my request to correct my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Company: Kriya Capital, LLC
State: SC
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:
Ive reached out to this collection agency who is inaccurately reporting an illegitimate credit item on my credit report, in which is damaging my credit. This debt is no longer owed, as Ive settled it with the original debtor. This collection agency illegally purchased old debt that no longer exists, and now trying to ruin my reputation and credit. I am demanding that this negative item be removed, or I will seek legal action and report this company to the media.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The week of XX/XX/18 I was unable to get my free annual credit report from Equifax. I knew there was incorrect information on it from another credit monitoring service which is able to access my Equifax information. 

I was able to submit a dispute at some point that week. I received an email from Equifax with the report number and a link to view the results of the dispute. However the same problem persists in that I am unable to view any information about my credit or the result of the investigation. All paths on their service lead to an error saying that my correct information does not match their records ( see attached screenshot ). This leads me to believe that their information on me is incorrect in some way if I can not access it. I am reasonably sure the information I am providing is correct as I can access my credit at other companies. I reported the error to them but was unable to reach them as the email is unmonitored.

Company response to consumer: Closed with explanation