BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: Bread Financial Holdings, Inc.
State: NY
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:
Is in accordance with the fair Credit reporting act XXXX  account number XXXX has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 a section 2 it is also a state 's consumer reporting agency can not furnish a Account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit Card account under on open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: SUNRISE CREDIT SERVICES, INC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sunrise credit services obtained my personal information for an alleged debt illegally without my consent. I do not have a contract nor do I owe an alleged debt to Sunrise Credit Services.

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 2023-02-11
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX, Navient debt collection agency XXXX XXXX XXXX XXXX offered a student loan debt settlement for {$11000.00} for a {$66.00}, XXXX student loan debt. The agreement was to pay on time from XX/XX/XXXX to XX/XX/XXXX {$110.00} every pay period. The document states 96 installment, and the payments are to be received before the dates indicated in the document. Once the account is recorded as settled upon clearance of the final remittance then no further payments will be due. So, I took the offer and received the settlement agreement paperwork. 

On XX/XX/XXXX, I called XXXX XXXX XXXX to pay the remaining balance of the student loan settlement. As I spoke to the gentlemen on the phone he stated " we do not have have your loan anymore and sent it back to the lender ''. Neither Navient or XXXX XXXX mailed or notified me of these changes. 

After the telephone call, XX/XX/XXXX was the last payment taken from XXXX XXXX XXXX and I am now currently several payment behind due to the lack of communication from both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: City First Mortgage Corp
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
City First Mortgage located at XXXX XXXX XXXX , Florida foreclosed on my mortgage loan taken out XX/XX/XXXX. City First is a hard money lender. We are XXXX XXXX XXXX XXXX and XXXX XXXX. The loan was for XXXX. At the time of these transactions XXXX XXXX XXXX was XXXX old. He is the principle in these business dealings. The persons who led pastor to this deal was XXXX. XXXX XXXX and XXXX XXXX who has been arrested for senior citizen crimes in XXXX XXXX Florida in cooperation with XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX of XXXX XXXXXXXX XXXX XXXXXXXX. The attorney for City First is XXXX XXXX, P. A. who Violated a stipulation agreement initiated legally through the courts on XX/XX/XXXX. The agreement was that if we XXXX of XXXX would make a XXXX dollar payment XXXX dollars for 12 months, the foreclosure would be dismissed. XXXX XXXX never dismissed the foreclosure even though we made the payments, thus taking us back to court and forcing us to sell or lose our property. All this is found on # XXXX on page XXXX of the stipulation agreement. Further more XXXX XXXX 's title company held back funds that were do me at the close of the original sale of the same property. She was suppose to hold XXXX dollars until certain violations were cleared. all the said violations were cleared but she and City First with held the funds from us

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/XXXX i open 4 phone lines plan of XXXX XXXX at XXXX. on XX/XX/XXXX, i called to XXXX XXXX to moved 4 phone numbers from XXXX XXXX XXXX to XXXX XXXX. However, one phone line was change the number, so 3 phone numbers was successful to port out of XXXX XXXX XXXX, still one phone number in it. After i receive the bill, i called to XXXX. I used to pay a 4 phone lines plan is XXXX, each phone line is XXXX. i did not use ever 1 mins in the month of XXXX XXXX why XXXX  billed me XXXX. I told the XXXX  rep, i can pay XXXX per phone line plus tax even thought i did not use the plan service because a phone number leave. The XXXX XXXX XXXX rep said he can not adjust. I paid with my credit card first. Then i asked my credit card for consumer right, so i got the money back. on XX/XX/XXXX, i got the called from Sequium Asset Solutions , LLC, I told them all situation, and said that was XXXX XXXX XXXX false. SAS, LLC rep not listen to me, because XXXX XXXX XXXX hire them. on XX/XX/XXXX, i received a letter of collection .It very hurt my credit score, so i paid it. XXXX XXXX XXXX AND SEQUIUM ASSET SOLUTIONS , LLC, BOTH COMPANY ARE OVER THE LAW OF CONSUMER RIGHT OF THE UNITED STATED OF AMERICA. WHY WE STILL NEED THE FEDERAL TRADE COMMISSION? IT ALWAYS PROTECTS BIG COMPANY AND HURT OUT SMALL POTATOES ( PEOPLE ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: EQUIFAX, INC.
State: WA
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 provided to Equifax, XXXX and XXXX, proof that I have never been late on my XXXX   accounts. I have requested that they remove the lates. I have uploaded the proof they need dating back past when they said I was late. XXXX told me they reported it in error but still nothing has been done. I am extremely frustrated by the lack of help all three credit bureaus have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX/ {$670.00} / XX/XX/2021 XXXX XXXX XXXX XXXX/ {$980.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX/ {$670.00} / XX/XX/2021 XXXX XXXX XXXX XXXX/ {$980.00} / 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 non-monetary relief
Consumer complaint received 2020-06-07
Company: Comerica
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
The IRS send me a stimulus check on XX/XX/2020 When i asked the credit card company for my last 4 numbers on my account DirectExpress is my card holder and they are very disrespectful because they have Social Security account. I have the letter from the President saying when my check was sent out. I want to know why they are so disrespectful to people on Social Security. I'm going to the attorney general next if nothing done in this matter of paramount importance. Thank you in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received notice from collection agency dated XX/XX/21 stating I owed {$1000.00} on XXXX account I had never heard of. I was able to get some details on this debt such as 2 addresses and phone # used on this account. None of this information pertains to me. XX/XX/XXXX notice was first communication I knew of this. I have police fraud report, my personal ID information and details I obtained regarding this debt. I have never used XXXX for any service. I been unable to secure copy of original charge document.

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 2022-04-28
Company: Synovus Bank
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I recently contacted First Progress about getting my refundable security deposit back after noticing my account was reported closed in XX/XX/XXXX. When I called them this month, I explained that I just realized I never got the refund after two years. The representative I spoke with, she stated that they did try to send the refund to an old address I had on file but it was returned. So, I immediately gave her my new mailing address, in which, she stated that if I wanted to get an expedited refund, I needed to fax them. I did as instructed and faxed from XXXX XXXX yesterday. However, when I called to let them know the fax was sent, they claimed they had not received it and that I needed to wait 48 hours and call them back to check the status. It was a guy representative who claimed this and even told me that he was sitting there looking at my refund check for {$200.00}. I called again this morning and spoke to another representative who claimed my account was just closed ( XX/XX/XXXX ) and that I would have to wait 10 weeks for my refund. This is completely abusive because, first off, they did not try to reach out to me when the check was returned a couple of years ago. It took me some years before I discovered I was owed a refund and when I have contacted them on multiple occasions, they are attempting to delay my refund another two months by reporting my account recently closed when that is not what my credit report shows. I have not been a customer with them for two years. It is unfortunate because I never gave them a problem in regards to payments. My credit report even shows no delinquencies and paid as agreed. Yet, they don't want to expedite me the money that I deposited to start the account in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
2006 started XXXX College with a Student loan through XXXX XXXX  The amount was around 10,000. I was suppose to begin payments after the school year ended. I was not working at the time just attending school. Second month in they started trying to make me pay XXXX a month on that loan. I went to the school and spoke with the loan staffer there that helped me apply for the loan whom basically told me to suck it up and make the payments. I then contacted XXXX XXXX and got the same answer. As I was not working at the time I could n't make payments. It went into collection before I even finished school. They started taking my taxes and another company contacted me, I believe Nievient? Not certain of the spelling saying they 'd work with my income at the time stating it 'd not be above 50 a  month based on income. For about 6 months those payments were made on time and for the amount but, on the 6-7 months they jacked up the prices to XXXX a month and threatened to sue me if I did n't pay. Threatened me personally by saying I was a horrible human being for not paying my debts and other nastier comments. I stopped paying. They are again taking my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: EQUIFAX, INC.
State: NC
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:
Went on Equifax website XXXX/XXXX/XXXX to enroll for free 1 year TrustedID XXXX protection offered by the company. Received acknowledgement that enrollment date was XXXX/XXXX/XXXX. 

Enrolled on XXXX/XXXX/XXXX and waited for acknowledgement email to activate product. Did not receive any notification so contacted Equifax by phone on XXXX/XXXX/XXXX and was told that due to the number of people involved, it was taking longer than anticipated and to wait a bit longer. 

Received an activation email on XXXX have tried to activate the product for past 3 days but each time I received a message that the system was unavailable. The initial attempt on XXXX/XXXX/XXXX asked for my birth date which I provided and from that point on I received messages that the system was unavailable. 

Contacted Equifax by phone on XXXX/XXXX/XXXX, explained the problem. I initially was told that the system was experiencing problems due to heavy use and to keep trying. Then I spoke with XXXX XXXX who said I 'd have to re-enroll because my name was not in the system. I questioned that since I received an enrollment date and an activation email. Both had to reference my personal information on the system in order to do that. 

I then spoke to XXXX XXXX who said that I should try again tonight. I told her I tried repeatedly at various times of day and night for the past 3 days. She also said my name could n't be found in the system but that the system was having problems. I than asked her what the problem was, is it a system problem or is my information not in the system because I 've been told both. She could not provide an answer. Her only suggestion was to try again tonight. I told her that was unacceptable and I 'd report the problem to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: EQUIFAX, INC.
State: FL
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 received a notification that a change was made to my Equifax credit report, upon checking I noticed there was a negative debt added on XXXX XXXX, 2017, to my credit report. I requested information from the credit bureau ( Equifax ) and submitted a dispute. I received an email from Equifax two weeks later stating an investigation was completed and they determined the debt belonged to me. I requested information they used to determine their investigation but I was told they would n't provide investigation details. <P/>I contacted the collection agency who submitted the debt to Equifax to request proof that the debt belonged to me. The information I received from the collection agency clearly states a different social security number, address, phone number, marital status, ethnic status, etc. Everything reported ( with the exception of my name ) was completely different. Equifax, the credit bureau did not conduct a thorough investigation and is listed this debt on my report despite that fact that all of the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been trying to clear up these inaccurate accounts on my credit profile for some time now. and its becoming a burden on me and my life. I dont understand how my identity can be compromised and I have to live with it, even after trying to clear the matter up, by writing letters and and coming on here to make a complaint and still no results, I demand some answer. As a consumer its my right under the FCRA that I get these answer Since XX/XX/2021 I have been reaching out and this is my last attempt, or I will be seeking legal aid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: NAVY FEDERAL CREDIT UNION
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
My card had been expired for a month and I was still charged on the card. I accumulated a late charge that I wasn't aware of that brought down my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My monthly amount has steadily gone up. Every time I contacted them, they added any outstanding balance to the principal amount without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

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 2017-11-13
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX keeps changing the status of this account on my credit reports. First they were reporting that this account was included in a bankruptcy ( which I never filed for ). I immediately disputed that information and the bakruptcy was removed. Then the account was showing as a XXXX balance now this month it is reporting from XXXX balance to a balance of {XXXX}. This information is incorrect. XXXX has finally removed this account off my report. Transunion just changed my report adding this balance from XXXX to XXXX which caused my credit score to go way down. This account has been agreed upon to remove off my credit reports. Every month it keeps changing and XXXX XXXX XXXX XXXX XXXX keeps adding additional information in the comments which is affecting my credit score in a negative way. How can a previous month report as a XXXX balance then this month report a balance of {$6600.00}. This was finally corrected and now were back to square one. I spoke with XXXX XXXX XXXX months ago and this problem was rectified now it 's reporting as I missed a payment that is 30 60 90 days late. This is crazy and I am submitting this complaint about XXXX XXXX XXXXXXXX XXXX/transunio/XXXX about reporting false information and not fixing my credit report.

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 2017-09-27
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
in XXXX XXXX i ordered items from roamans clothing. i had free shipping. i returned the items the day after i received them. i was told in an online chat with roamans and via email that i was assessed a {$7.00} fee and would receive a bill soon. i received no billing until the end of XXXX XXXX, at which time a {$25.00} late fee was attached to the {$7.00} fee, i contacted the company who instructed me to contact the card holder which was comenity bank. i did so, but was told i had no account. i next received a bill in XXXX XXXX and the late fee was again applied now taking the {$7.00} return fee to {$51.00}. i again contacted the company which again told me to contact comenity bank which i did. again i was told i had no account and was transferred to XXXX different people/depts. finally i was disconnected. i next received a bill in XXXX XXXX for {$82.00}. which are inflated late fees. i used an online chat with roamans to verify the {$7.00} return fee. was told to contact comenity bank. which i did and the same scenario happened. XXXX different transfers, no account verified. nothing resolved. i have been unable to get this absurd situation corrected and they are reporting this amount past due to credit agencies. an amount i do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: EQUIFAX, 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:
Hello I have reached out to you about items that was on my credit that I dont know anything about. Im really trying to help my son get a car and the dealership has denied me again because of this and I thought this was already handled. Please take this accounts off my credit three accounts with no name and the account numbers is XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX I see alot of inquiries on here as well that I did not do XXXX XXXX  XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.

Company response to consumer: Closed with explanation