BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have requested verification/validation of the debt FCO is attempting to collect from me - I am not familiar with their company and have never entered into an agreement with them. On X/X/2017 - I requested verification - they sent me a contract that was incomplete and not enough information to identify this debt as mine. OnXX/XX/XXXX I requested information a second time to clarify my original request - they sent me a bill/statement with no additional information even though it appears the statute of limitations have expired for this debt They have not provided enough information to verify this debt - this account is negatively affecting my ability to get credit. In addition, they have failed to mark my credit reports recognizing my dispute on all the credit reports they are maintaining this account.

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2019-12-08
Company: Navient Solutions, LLC.
State: UT
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:
I discovered Navient has possibly sold my loan to another servicer by checking experian. I have not received any notice this was taking place and now I don't know how to register for the IBR by  XX/XX/XXXX. I did receive my quarterly interest statement this week ; however, no information about the new servicer and how to register for the IBR. This stresses me out! I'm struggling! Also, I was under the impression that a college education would put me in a better place financially. I graduated on the XXXX 's list and have never held a job pertaining to the XXXX XXXX degree. It's frustrating that I graduated in XXXX and couldn't earn enough to even generate enough income to pay on a student loan until XXXX and have to choose between eating, paying for my broken wrist, follow up treatment for XXXX, treatment for XXXX XXXX or paying for student loans. I STILL can't even afford to insure a car. I'm a single parent of XXXX adult children and with all of these issues, I don't dare marry. Housing expenses have climbed for everyone. I cohabitate with my son who struggles also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with Fair Credit Reporting Act XXXX, acct number beginning with XXXX, XXXX XXXX XXXX ( date opened XXXX. XXXX, XXXX ), acct number beginning with XXXX XXXX XXXX date opened XXXX XXXX, XXXX ), acct number beginning with XXXX XXXX XXXX XXXX XXXX ( date open XXXX XXXX ), acct number beginning with XXXX XXXX XXXX XXXX ( date XXXX XXXX XXXX ), XXXX XXXX XXXX acct number beginning with XXXX ( date opened XXXX XXXX, XXXX ), XXXX XXXX XXXX ( XXXX XXXX, XXXX ) XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX XXXX acct number beginning with XXXX ( date XX/XX/XXXX ) XXXX XXXX  ( date XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) Has violated my rights 15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2. also states a consumer reporting agency can not furnish your acct without my written instructions.

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 2017-06-06
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : Account #  XXXX  To Whom It May Concern : I recently received a copy of my credit report and was alarmed to learn you claim I have a delinquent account with you. I have never entered into any arrangement with you, nor did I sign a contract with your company. And as third party collector, you are not authorized to furnish any information on my credit report. In order to collect or report information about me, the law states you must first have my permission. I received no request for permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: VA
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:
In accordance with Fair Credit Reporting Act XXXX, acct number beginning with XXXX, XXXX XXXX XXXX  ( date opened XXXX. XXXX, XXXX ), acct number beginning with XXXX XXXX XXXX date opened XXXX XXXX, XXXX ), acct number beginning with XXXX XXXX XXXX XXXX XXXX ( date open XXXX XXXX ), acct number beginning with XXXX XXXX XXXX XXXX ( date XXXX XXXX XXXX ), XXXX XXXX XXXX acct number beginning with XXXX ( date opened XXXX XXXX, XXXX ), XXXX XXXX XXXX ( XXXX XXXX, XXXX ) XXXX XXXX  ( XXXX XXXX, XXXX ), XXXX  XXXX ( XXXX XXXX, XXXX ), XXXX XXXX XXXX acct number beginning with XXXX ( date XX/XX/XXXX ) XXXX XXXX  ( date XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) Has violated my rights 15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2. also states a consumer reporting agency can not furnish your acct without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: EQUIFAX, INC.
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:
I had a mortgage with XXXX XXXX XXXX. It was put in foreclosure. The home sold and was paid off in XXXX of 2015. The two credit bureaus that listed this item ( Equifax and XXXX XXXX  ) listed the historical delinquency at 120 days late in months leading up to this sale. They properly lined out the months of XXXX and XXXX AFTER the item was paid. But they then listed a 120 day in XXXX of 2015 ... TWO MONTHS AFTER PAYMENT.

I disputed this with the bureaus and it remains on both of them. I have attached two pages of my credit file. One showing the XXXX XXXX item and the second page which continues with their historical listing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This phone number calls about 90 times in one month, three times a day every single day. They leave empty voicemail every single time, with no information about the debt or how to contact them, for forcing us to delete dozens of empty voicemails every week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a  XXXX  member. I did n't know   XXXX   XXXX   credit took over  XXXX   XXXX . That time I moved my house. I have n't received any statement. I got the letter from  XXXX   XXXX   XXXX  on last month. So, I call that agency, explained everything. He gave me a fax no XXXX and sent to dispute letter. I sent to the letter to   XXXX   XXXX  . I received letter from the   XXXX   XXXX  , Midland funding LLC take care my case. I called Midland funding but no one responded. I refuse to pay interest and late fees. I can pay how much I spent in  XXXX . They do n't accept that. I do n't want to ruin  my credit score. Please help me how to fix my problem. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: STERLING JEWELERS, INC.
State: PA
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:
As a result of a credit bureau dispute submitted in XX/XX/XXXX, XXXX XXXX has retaliated by marking the account as FP " Failed to Pay '' in XX/XX/XXXX. This is incorrect, as XXXX XXXX sold the account to another collection agency years prior, I believe in XXXX. No indicators for Failed to Pay following this date would be correct. This was blatant retaliation for my submission of a dispute and they should be held accountable. 

Further, during said dispute, XXXX XXXX failed to update the tradeline to indicate that the information was disputed. This is a clear violation of FCRA and I fully intend to file suit for the {$1000.00} damages if this not resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2023-01-12
Company: NRA Group, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection agency, NTL Recovery Agency has reported to all three credit agencies that I owe {$54.00} to XXXX XXXX XXXX and my score has been impacted. I currently have been with XXXX for 17 years at my current home that I own and checked with them and do not have a outstanding balance with them. My attempts to contact this company have been frutail as they have prompts to pay the debt and no one will talk to me. I have never received any letters, phone calls or any communication from this company. I think this is a fraudulent attempt to get money from people and this is wrong. How can the place a collection on your account that does not belong to you and you have never been notified? I want this removed from my credit report and for them to compensate me for the stress and damage this has done as I am in the process of getting a new credit card with a lower interest rate and this has impacted me. The company is NTL Recovery AgencyXXXX XXXXXXXX XXXX XXXX, XXXX, PA XXXX, phone number XXXX. Please Help.. 

Thank You, XXXX XXXX, 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 2017-06-06
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We desperately need your help to address and correct serious issues and continued illegal activities perpetrated by Tenet Healthcare Corporation and its subsidiaries to perpetuate a subterfuge of sham corporations to commit fraud, violating consumer rights in defiance and wilful non-compliance with the consent orde r ( File No .  XXXX  ), the Dodd-Frank Act of  XXXX , the Deceptive Trade Practices Act, The Fair Debt Collection Practices Act, and The Fair Credit Reporting Act.  <P/> Across  the US, Tenet to Syndicated Office Systems LLC continues to blatantly violate consumer rights, impacting families like mine, hurtin g us financially, stealing my time with my family, intentionally inflicting emotional stress, and impacting my husband 's health.  <P/> Since  XXXX , we se nt 5 le tters (  XXXX   XXXX   XXXX  ;  XXXX   XXXX   XXXX  ;  XXXX   XXXX   XXXX  ;  XXXX   XXXX   XXXX  ; and  XXXX   XXXX   XXXX  ) requesting signature validation that they ignored and still ignore and avoid-hiding behind attorneys and legal maneuvers.  <P/> Additionally, the account they never validated was even duplicated as another account.  <P/> When we were trying to secure a mortgage, m y credit score be cause of the accounts they refused to validate was impacted, and we will now pay for the next 28 years-this will cost us more.  <P/> Ignoring the consent order to take affirmative action and act in " Good Faith '' Tenet through Syndicated Office Systems LLC still persist in hurting my family, appealing the suit we won in a lower court.  <P/> We respectfully ask that you intervene and end this overt campaign of defiance just because they can.  <P/> Please contact  XXXX   XXXX  the CEO of Tenet Healthcare Corporation to end this all.   Opposing Counsel is Attorney  XXXX   XXXX   XXXX , and she can be contacted at (  XXXX  )  XXXX  or emailed at  XXXX  XXXX  XXXX  From doing all the research, Tenet runs this subterfuge across more th an 20  states, and I have all the documents to prove that this entire organization is a hollow shell of sham companies that continues to deny that they are one and the same. I ask for a full investigation, and I can and will assist at your request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have tried multiple times to fix our problem with this company and they have refused us so many times. One the XXXX of XX/XX/XXXX, our house went for auction and we attended. We called Rushmore while the auction was happening to see if we can delay the auction. They refused to do so. They said that it's too late. There was plenty of time to prevent the auction the morning of, but they would not do so. 

But what's unbelievable, the auction was delayed for a couple of hours and then finally postponed for 1 week. How is this possible, when Rushmore said that there was no time anymore? It's too late, they said! 

We called the trustee about the house and said they that should've have known about this earlier. This means that Rushmore is not communicating with the trustee or no one cares on both ends.

We just finished talking to a lawyer who said she is dealing with Rushmore as I write this and she said that Rushmore is one of the worst companies.

Rushmore has XXXX complaints on XXXX. 

There job is to seek and destroy. Not help. 

They took my sister 's six trial payments and did not give us approval on loan modification because of one missed signature. There was already another signature there.

Just because one signature was missing, you do not dismiss the whole package!

After that, they denied us over and over. Why? 

In the court of law, the judge is going to wonder why we were approved for a trial period and then denied? We made all six payments and then denied because of one signature! The judge is going to ask why? This will not make sense to the judge.

Rushmore says I am not a successor-in-interest, but I am on the will.

I want to know why this is happening and why they are not in communication with the trustee. Why did the the trustee say they were not aware of all this?

When we asked Rushmore for the contact information to the trustee, they would NOT give it to us on the day of the auction.

Rushmore needs to be reported to HUD and California legislation. 

I contacted XXXXXXXX XXXX XXXX XXXX XXXX  before the auction and asked for a postponement, but they still have not responded. 


We will be contacting XXXX again. 

My mother worked hard for this house and passed away in XXXX. Now Rushmore is trying to destroy that by taking it away. 

This company needs to be investigated by government officials.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Purchased furniture at XXXX XXXX store in XXXX of XXXX and financed {$5700.00} through Synchrony Bank with a promotional period of no interest until XX/XX/XXXX. 
The furniture was delivered in XX/XX/XXXX. 
The following are the transactions by statement month processed by Synchrony Bank. 
XXXX statement Charged {$3600.00}. Called Synchrony Bank to dispute charge. 
Synchrony Bank said it would credit and close the account and open a new account. 
XXXX statement XXXX account is charged {$3600.00} and credited {$3600.00} twice. Leaving a credit balance of {$3600.00} which is incorrect, called Synchrony Bank to inform them of their error. Told it would be corrected. 
XXXX statement Received credit of {$3600.00}. All is good. 
Furniture delivered in XXXX. 
XXXX statement Charged {$5700.00} for the furniture which is correct. 
Now the fun starts : XXXX statement Charged {$3600.00} and {$3600.00} and receive a credit for {$3600.00}. Call Synchrony Bank to dispute and spoke to several representatives ( 2 hours on the phone ) including one representative who said We really messed up this account. Told it would be fixed by the end of the next billing cycle. 
XXXX Statement The account is not fixed but I am also charged interest of {$170.00}. Call Synchrony Bank and ask the Representative to transfer me to their boss. After a two hour wait, I hang up and call the next day. After only a 45 minute wait, I speak to the Account Executive ( XXXX, who would not give me his last name or his bosss name or number. I told him I worked for a bank for 41 years, you have to report to someone, he said he reports to no one ). He told me it takes two billing cycles to correct disputes. 
XXXX XXXX The issue is still not resolved. 

I need help to resolve this issue, I have a charge for {$3600.00} on my account which I did not make. I have not been already charged {$350.00} in interest during the promotional period and I had to make three minimum payments of {$450.00} instead of {$200.00} to avoid causing further issues.

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 monetary relief
Consumer complaint received 2017-06-06
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : Account #  XXXX  To Whom It May Concern, I recently received a copy of my credit report and was alarmed to learn you claim I have a delinquent account with you. I have never entered into any arrangement with you, nor did I sign a contract with your company. And as third party collector, you are not authorized to furnish any information on my credit report. In order to collect or report information about me, the law states you must first have my permission. I received no request for permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a customer of Citibank since 2014 and in that time, I have paid the FULL STATEMENT BALANCE ON TIME on all 4 of my cards that are held with Citi. This includes, the ThankYou Preferred Card, Double Cash Card, Costco Anywhere Visa, and the Best Buy Visa card. I have in fact OVERPAID my cards on occasion and if I received a refund from a company, they would need to send ME a check. Earlier this year, I had to file some disputes due to some unrecognized charges, and Citi promptly issued me new account numbers for these cards, however they failed to carry over my Autopay preferences to the new account numbers. Sure enough when the time came for my statements to be paid, my Autopay was non-functioning and payments were not made for 2 and eventually 3 of my accounts with them. I quickly fixed the issue, updated my settings so that my statements would be paid in full each month for all my cards. Seemed like an honest mistake on there part. I chalked it up to my own fault and figured I 'd pay the interest and move on. However, some time later I received letters saying that each one of my 4 Citibank credit cards was being closed. ( Yes, even the one that was still being paid every month ). They claimed it was due to " Excessive Risk ''. After calling in several times to different numbers for each of the cards ( equally frustrating ), they instructed me to write in to Citibank 's Executive response unit. Which I of course promptly did, and received 0 response.

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