BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-26
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX I enrolled with XXXX XXXX XXXX  to assist with my credit card payments. I thought this was going to be better than filing bankruptcy. In XXXX or XXXX of XXXX XXXX XXXX agreed to settle my account for XXXX. XXXX XXXX has been making monthly payments to XXXX  XXXX in my behalf since then. I checked my credit report XX/XX/XXXX, and found a company LVNV Funding was reporting me for collections in the amount of {$3000.00}. I called LVNV ( Resurgence Capital ) and they explained they purchased my credit card account from XXXX  XXXX and that I would need to start paying them because they were the account holder now. I explained to them I settled my account with XXXX XXXX and wanted this removed from my credit report. The agent told me they could not remove it because I now owe the balance of XXXX to LVNV, and its now in collections. I asked why would I pay 2 separate companies for one credit card, and told them I was not paying them anything, and I want it removed from credit report. The agent told me that she will send me some paperwork showing the balance I owe and my account information. I contacted XXXX XXXX and was told an agent was going to review and get back to me on Monday XX/XX/XXXX. I don't know who LVNV Funding is. I never had a credit card with them. I also don't know how, or why, I would owe them any money on a settled account. I also don't know where all of these so called charges are stemming from on a closed account. Please assist with letting me know what my options are. I am attaching screen prints of my settlement info with XXXX XXXX and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I don't recognize this account. I have never applied for this. i'm not responsible for this debt. I have no contracts or agreements with this company.

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 2016-03-23
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company, Wells Fargo sent me an Escrow account disclosure statement to inform me that I had an Escrow shortage of {$1600.00}. I was advised in this same document that by paying the amount previously mentioned by XXXX XXXX that my new mortgage payment would be {$1500.00}. The {$1600.00} was mistakenly applied to my XX/XX/XXXX payment, which was eventually resolved. However, I was informed by Wells Fargo on XXXX XXXX that my new payment was going to be {$1500.00}. When I called to ask where the extra {$10.00} was coming from I did not receive a clear, satisfactory explanation. I was also told that nothing could be done to restore the payment amount on Escrow account disclosure statement of {$1500.00}.

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 2021-09-26
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX committed and wrongfully placed information on my credit report that does not belong to me. I have contacted the company several times and requested that they send pertinent information that corresponds to validating my identity to prove that I have an account with them. THEY HAVE FAILED TO PROVIDE any documentation whatsoever showing that this account belongs to me. They have violated the FCRA regulations in reporting information that does not belong to me to the credit reporting agencies Experian, XXXX and XXXX. Furthermore, I have contacted Experian, XXXX and XXXX as well in which none of the the credit reporting agencies have submitted information proving that this account is mine. I asked them to remove this fraudulent account and they have also failed to do so. I have filed police reports and an affidavit to validate my claim. I have sent out certified mail to you all parties several times and have received no results.

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 2016-08-05
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan
Issue: Can't contact lender

Complaint:
Loan was paid of f in 2011 and Lender has not removed information from credit report after 5 years XXXX XXXX XXXX said they do not contact Cashnet about loan pain in full

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Aargon Agency, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from AARGON Collection Agency attempting to collect {$1300.00} for services provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No bill or statement was attached to this collection agency 's notification. I have not been in XXXX, XXXX in 25 years and have not used any services by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ever. I did a search on this collection agency online and through the XXXX and there seems to be many other collection complaints about AARGON Collection Agency in XXXX XXXX, XXXX. ( AARGON Collection Agency, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) This debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-09-26
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX and XXXX Card was the same request to resolve and issue showing on my credit report that I did NOT authorize I called on XX/XX/2021, to inquire why they were on my credit report as a hard inquiry, they sent me a letter. When I got the letter to see why I was not approved for their card when they did a SOFT inquiry THAT I DID NOT APPLY FOR. That is when they checked the file on XX/XX/2021 to see what was happening. This apparently resulted in another HARD inquiry just for finding out what was happening. Neither inquiry was authorized. I will agree, I do not understand how most of these credit card companies work. Please help me and remove these hard inquiries off my credit report. This was not fair and not authorized to place a hard inquiry on my credit report. Please help me and delete both inquiries. I have filed numerous disputes, State of TN Affidavit 's and FTC complaint regarding these two inquiries to be removed from my credit report, that I did NOT authorize. I also did not authorize " XXXX ''. Please remove them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is my parents phone number. I setup a payment plan and gave them my phone number and told them that I ca n't be reached at the number they have been calling and to stop calling. They stopped for awhile but are now calling my parents multiple times per day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this acct is fraudulent and when initially submitting information was not totally complete this was a case of identity theft and needs to be removed from your records and my file asap

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: GOLDMAN SACHS BANK USA
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: Personal information incorrect

Complaint:
So I applied for an Apple Card through apple and they said that the report from you guys saying a savings or checking account in my name was recently closed and thats not possible because i dont have a bank account and also my current address you guys have down i incorrect I havent lived at XXXX XXXX XXXX in 6 or more months and I tried calling you guys and I got no help whatsoever

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: CITIBANK, N.A.
State: PR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The bank will not allow us to modify the loan directly with loss mitigation or with our agent dealing directly with loss mitigation they are requiring us to deal with the banks attorney as a middle man and we are not happy with the lack of contact, this is in violation of XXXX XXXX and CFPB regulation, also the bank did not properly segregate or provide clean title and refuse to give us copies of our closing documents under a RESPA and TILA request. 

the bank did not properly segregate or property or our house we are now situated on XXXX lots and only XXXX belongs to us, will provide proof with this letter. 

at the time of closing in 2007 we had asked for a copy of our closing documents and they had told us they will mail them, we have never received them, we ave asked for them several times and never received them, our attorney asked for copies under a court motion and we still dont have it, we have been to the tax collector, ( CRIM ) and they had showed us that the bank has the house on the wrong property, our house is sitting on XXXX lots, only XXXX is ours. 

we have someone assisting us in the loss mitigation and the bank refused to work with us our assistant during our mediation and forcing us to work with the attorney instead of the bank directly even though attorneys are not allowed in mediation. 

and we want our copy of closing documents complete, to include our Good Faith, HUD XXXX and copy of all insurances I purchased such as Title Insurance, Appraisal, Segregation, Survey, and any and all copies included.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am writing this letter in regards to the complaint case number XXXX ( Citi bank fraud complaint number reported to XXXX XXXX XXXX which I filled on XX/XX/XXXX. In which Citibank/ Sears have issued a credit card to someone under my credentials back in XX/XX/XXXX, which has a due of XXXX and was never paid off. It has started to bring my credit score down to subsequent level. 
I have never opened any account with Citibank/ Sears and either me or, someone related to me have never received any goods of services from this account. So I request you to close this account and inform all three credit bureau 's immediately. Since because of this fraudulent account mortgage banks are charging me high interest rates then they would have charge me otherwise. 
I have already filled the police report for the following incident with the case number XXXX. I have already signed and send the documents they requested a week ago I want bank to proceed quickly in resolving this matter since its costing me to pay more money to get home loan and I have been spending lot of hours to get this dispute corrected. If this gets pushed beyond XXXX XXXX and my mortguage bank charge me additional interest rates then they would have charged otherwise I would be pressing those charges against Citibank/Sears because I am not responsible for this. 
Please feel free to contact me anytime at XXXXXXXXXXXX or XXXX XXXX XXXX if you have any questions or need more details

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-26
Company: Experian Information Solutions Inc.
State: GA
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 disputed with Experian to have a negative accoujt removed from my credit report. 
There a three errors  for this particular account. The account was with XXXX XXXX  XXXX XXXX XXXX 
The account states its been charged off. 
Then it states the amount {$610.00} had been written off. 
Then it states the amount {$610.00} is overdue as of XX/XX/XXXX. The month of the dispute. 
This account was closed at the credit grantor request. Yet, Experian continue updating the information as accurate instead of deleting it from my credit report. 
I disputed the same errors XX/XX/XXXX. 
I also disputed the same errors XX/XX/XXXX. 
Each time I dispute this account, experian updates the amount owed to the month I disputed it on. 
This account was closed at credit grantor request. 
Why does experian refuse to delete this from 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 non-monetary relief
Consumer complaint received 2021-09-26
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am writing to file a complaint on Agent XXXX XXXX with National Credit Audit Corporation. She has wrongfully filed a debt on my rental history solely out of spite of me not paying her a debt that is incorrect. XXXX tried to force me to pay a {$6000.00} debt was wrongfully reported and once I told her Id rather file a dispute, she cursed me out and called me out of my name. She acted in a very unprofessional and unlawful manner and I do not feel comfortable with her having access to misuse my personal information. I am requesting the wrongfully reported debt be removed or transferred to a delivery debt collector until I am able to come to a resolution. XXXX threatened my livelihood by wrongfully reporting a debt instead of helping come to a solution to the issue at hand. She is misusing her position as a debt collection agent and should be closely monitored or terminated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Payoff process

Complaint:
I have a credit card with Citi ( AT & T Universal card ) that has XXXX balances with XXXX interest rates on it. A standard purchase, which is 20-ish %, and then XXXX smaller balances, which are 4.9 % and 3.9 % respectively, until paid in full. During an online chat last evening, I inquired how payments were being applied and was told that they were first applied to interest ( and any applicable late fees ), THEN to the balance with the SMALLEST interest rate, and then any additional ( above/beyond the minimum payment ) is applied to the balance with the highest interest rate. However, every place I look online, I read that payments must first be applied to the interest/fees, and then any remaining goes to the balance with the highest interest rate. That clearly is n't happening in this case.

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 2021-09-26
Company: DYNAMIC RECOVERY SERVICES, INC.
State: GA
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 mailed a certified letter to this collection company requesting validation of the debts placed on my credit report. I recently mailed a letter in which they received either XX/XX/2021or XX/XX/2021. In this request for validation, I requested validation within 30 days pursuant to the fair collection practices. They have failed to provide any information to validate the debt. They also continue to report negative information on my XXXX  credit report.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX. {$23000.00} XX/XX/2017 I disputed it and XXXX and Transuion Will not remove it from my credit report the company is not responding to me XXXX removed it already. They are Violating my Consumer rights I have been taking advantage of and effecting my buying power and Betraying my reputation.

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 2015-07-10
Company: SYNCHRONY FINANCIAL
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My husband took out a no interest for 12 months credit account to pay for XXXX. The account is with synchrony Financial. They had the wrong address on my husband 's account through no fault of ours and we did not receive a bill for 2 months and was unaware of the wrong address until they called because the account was past due. It was discovered on that call they had the wrong address and sunchrony said they " would reset the clock and take away the late charges '' since it was not our fault. The address on the contract is our correct address. We did receive the first bill in XXXX ( should have been XXXX ) and promptly paid it but noticed that the length of time to pay interest free was not reset and stood at 10 months. We contacted synchrony, on XXXX and they said they would send a letter in 7 days with their decision. Well, we got no letter and when I called today I was told that the request was denied. I spoke originally with " XXXX '', then " XXXX XXXX '' and finally " XXXX - a manager ''. Today when I called I spoke with " XXXX ''. This is unfair. Our contract states 12 months interest free and now we only have 10 months through no fault of our own. This is deceptive practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-22
Company: Arbor Residential Mortgage LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seneca Mortgage - loan Servicing, Posting of P & I and misapplication of payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: TCF NATIONAL BANK
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/15 TCF Bank reordered my transactions XXXX and debit my account XXXX for the same transaction XXXX/XXXX/15 XXXX XXXX XXXX ( {$140.00} ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: NC
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 the Fair Credit Reporting Act XXXX account # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 15 USC 1681 section 602 ( a ) states I have the right to privacy. 15 USC 1681 604 ( a ) section 2 also states a consumer agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have requested documentation. They told me they would have the executive office call me. Until that time, I do not have any documentation and specific dates. I apologize. I paid {$550.00} a month on a broken car I got from XXXX. I paid this amount for XXXX years. My balance never went down. Then, recently, my payment jumped from XXXX to XXXX. So they considered me as five months behind even though I was still paying the XXXX. According to my records, I was maybe one month behind. That's it. They repossess the car. Now they are trying to serve me papers. I am moving to avoid this. I'm a single mother and I already work XXXX jobs. I am not capable of being garnished for {$16000.00} nor is it fair. The loan was through Santander Consumer USA. A quick XXXX search if you're not already familiar with it will show you that they have lost to class action lawsuits, one involved 33 States including Tennessee, the state I live in. I guess this was a subprime auto loan? That was never disclosed to me. I never heard of such a thank you. They have been ordered to do long forgiveness two people who made their purchases during the year that I did, 2018. I contacted them as the lawsuit website directed me to and ask them to please check if I qualify for the loan forgiveness. I'm sure I do. This is very predatory lending. They told me that they don't think that I do and that the executive office would call me. I still have not received the phone call. I need help with this. Is there anything you can do to help me? Thank you so much.

Company response to consumer: Closed with explanation