BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-07
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company calling themselves Pioneer Credit calls me with a recorded message every day for weeks ( XXXX ) asking me to call them back at XXXX regarding a debt. Since I do not owe anyone, I do not return the call. However, I would like them to discontinue calling me.

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 2020-01-09
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started applying for a loan modification with my mortgage servicer Nationstar Mortgage dba Mr. Cooper at the end of XXXX. This situation went on for a very long time. In spite of numerous phone calls, faxes, letters, emails I could not get a loan modification application. I contacted Consumer Financial Protection Bureau in early XX/XX/XXXX. With their help the process moved along. I went through the trial loan modification and met all requirements. I have been approved and am waiting to submit the final paperwork. My original monthly mortgage payment was {$1100.00}. My new monthly mortgage payment is {$1100.00}. That is a savings of only {$29.00}. This seems outrageous to me. I feel like I have wasted my time and that this was/is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Professional Finance Company, Inc.
State: MD
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 received a debt collection notice dated XX/XX/XXXX for the remaining balance of {$200.00} from Professional Finance Company , Inc. on behalf of the original creditor, Anesthesia Partners of Maryland. I began making monthly payments to this collection agency on XX/XX/XXXX - {$20.00} ; XX/XX/XXXX - {$20.00} and XX/XX/XXXX - {$20.00} ( payment receipts attached ). As of today, the balance remaining is {$140.00}. This collection agency reported to the credit bureau on XX/XX/XXXX that I owe {$160.00}. I have been making regular monthly payments and this should not have been placed on my credit reports as a collection account since a payment was made on XX/XX/XXXX. I have disputed this matter with all credit bureaus to have this collection account removed. 

The payments were made through XXXX which is the payment system Professional Finance Company sends to consumers to make payments. This is noted on their website at www.paypfc.com.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-24
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 status incorrect

Complaint:
The card account is reporting incorrectly on my Equifax report as a closed collection account. The XXXX XXXX account was never in collections and should reflect a XXXX  balance. This account should reflect a closed account with a XXXX  balance and the historical account records should reflect that it was never a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Experian Information Solutions Inc.
State: MD
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:
Case number XXXX made buy XXXX XXXX number XXXX The date of the origin of this keeps changing and now experion is trying to justify why they are Desperately trying to connect this mortgage to anything desperately trying to connect this mortgage to else. 
I just wan na this reason to be removed because its reason have been repeatedly been used as the reason why every point i received to be removed For the last 10 months. This is why Im stuck at XXXX. Just like XX/XX/2019 my score got up to XXXX then on XX/XX/2019 my score went back to XXXX with no change to my file. The United States government should find them for this. This is EXPERIONs Doing. 
Look at this. experion says the update once a month But my file got updated XX/XX/2019 XX/XX/2019 XX/XX/2019. XXXX has no explanation for why this happened they just say XXXX did it and I called the BS they tried to say the bank update 3 times in XXXX month. I said look XXXX you have been caught red-handed. Just on my file alone. They can see that they are being hacked but wont do anything about it. But if they are not being hacked the government need to find them 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 2020-01-09
Company: Waterfall Revenue Group
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
After reviewing my report, I see that Waterfall Revenue GR, has account status " open '' on my credit report. The original creditor is XXXX XXXX XXXX XXXX. They sold the debt to " XXXX XXXX  '' both creditors were added to my bankruptcy and discharged in 2017. I contacted WRG and they informed me the debt was open and the amount was over XXXX. They further informed me that they are now operating under WRG which is formerly XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/XXXX, received complaint from Circuit Court state of Oregon of breach of contract Case Number : XXXX, XX/XX/XXXX : I reached out to the debt collector and spoke with the attorney representing the debt collector, she stated since you called we are no longer going to pursue this legally and will work with me to resolve this debt, negotiations abruptly stopped I received written notice from the attorneys office representing the debt collector advising me the current attorney has been let go from the firm and a new attorney would be appointed. 

XX/XX/XXXX Received general judgement ordered by the court. Awarding debt collector. We were mediating payments and amounts prior to the attorney being let go/ terminated. correspondence stopped and the collection agency stopped all mediation and contact under this new attorney XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Due to malpractice by your company I'm being taking advantage of completely ... ..according to the fcra... this has made my life stressful financially and this is also deformation to character... I've been unable to obtain any new credit because of this

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 2021-09-01
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my Mortage XXXX. The Mortage company totally messed all the numbers up and I filed a formal complaint with you guys for that. I received a check {$3100.00} XXXX for the refinance which they over calculated closing costs and escrow. Now today XXXX XXXX year later they charged me {$1400.00} and my Mortage is {$1100.00}. The Mortage company told me they sent the check by mistake and it was suppose to go to escrow. So the Mortage company charged me for there mistake from a year ago it makes zero sense. The Mortage company is being very sneaky and deceiving. I refuse to pay for an error they made over a year ago and just now noticed. This is so frustrating to a hard working man that never missed or been late on a Mortage payment.

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 2016-09-04
Company: JH Portfolio Debt Equities, LLC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was settled with a debt collection agency. The cc company XXXX XXXX has sold the debt to another collection agency. The new collection agency is trying to collect a debt.

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 2020-01-09
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. Someone used my personal identification information and opened a fraudulent account with Discover Bank. I did not authorized anyone to use my information for some purposes. I've tried to fix it with the credit bureaus and with the Discover Bank, but they refused to delete fraudulent account. XXXX credit reporting agency have deleted this fraudulent account, but recently I obtained my credit report with XXXX and discovered that XXXX reinserted Discover Bank account ( partial account no : XXXX ) back to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20
Company: Experian Information Solutions Inc.
State: CA
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 canceling credit monitoring or identify theft protection service

Complaint:
The information showing on " Experian Credit Tracker '' monitoring website is incorrect.
The summary page shows that I have 2 " late payments, '' time since late 40 months, and 1 public record. When I research on this web site I find the 2 late payments. One of those late payments shows as XX/XX/XXXX for XXXX. I did not have a late payment with XXXX in XXXX of XXXX. The other late payment shows up under my XXXX account for XX/XX/XXXX. I did not have a late payment for XXXX. I was on the phone with Experian for almost 2 hours. 1 hour with " XXXX '' that said what I was seeing were not " late payments '' that they were about my bankruptcy. When I told him that my bankruptcy showed up below the late payment information, he refused to acknowledge that. I asked to speak to a supervisor. He came back on the line and asked questions of me that his supervisor was asking of him. When I asked him if I could speak to her directly, he put me on hold for nearly an hour. Finally, I spoke to XXXX. She came on the line and admitted she did n't know anything about Experian 's Credit Tracker product and gave me the same explanation as XXXX. She insisted that my 2 late payments were from XXXX XXXX XXXX in XXXX. When I told her that the site showed them as XXXX and XXXX, she did not believe me and would not let me send her the screen captures ( attached ). She said that if I wanted to cancel my membership, she would transfer me to " membership. '' I was disconnected. I called back and spoke to XXXX. He said I should cancel my membership and gave me a cancellation number XXXX. He said he would put me through to a supervisor that would discuss a refund with me. I spoke to XXXX. I pointed out that the website was reporting inaccurate information based on the credit report that I download from the site vs. what was being reported on the site. At this point, she said I would have to have " the credit reporting company '' mail me a credit report directly and then mail it to her in " membership. '' She added that I could n't do that because XXXX had already canceled my membership. It seems like they are doing all they can to not cancel memberships and they have no interest in resolving inaccuracies on their website.

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 2021-09-01
Company: Bread Financial 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: Information belongs to someone else

Complaint:
I have these accounts that are not mine and i want them to be removed from my credit. 


1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft CB/NY & CO Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Early Warning Services, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 XXXX made a purchase from me on XXXX XXXX. Buyer used a fake email to represent Zelle ( XXXX ) sending me the money for order. Then sent email stating I needed to collect {$500.00} from buyer and refund it to make my Zelle account authorized for Marketplace transaction. Buyer sent email stating {$500.00} was pending and to refund {$500.00} and provide screenshot of of my {$500.00} refund. Money was never pending into my Zelle account and Zelle sent my {$500.00} to XXXX. Buyer got nasty with me once I called out his scam and I sent a request for my {$500.00}. I immediately called my bank, XXXX to report this. XXXX saw I sent {$500.00} in Zelle and didnt see any pending deposits for my account. He told me to call back next day to file dispute XXXX the {$500.00} showed as a posted Zelle deduction from my account. I also contacted Zelle, I was directed to deal with my bank. I called XXXX next day when the {$500.00} was posted as coming out of my account. Case opened at XXXX. Meanwhile I forwarded emails to Zelle customer service, they requested me to call them. I did, I explained what happened and was told unfortunately I need to file dispute with bank as I already did. I forwarded the fake zelle email to XXXX on XX/XX/2022, the zelle customer support was able to tell me the money I sent did go into a XXXX  XXXX XXXX account. 
On XX/XX/2022 XXXX denied my case and said this was an authorized Zelle transaction. 

I am out {$500.00} and no company is helping me. Zelle, XXXX XXXX XXXX or XXXX bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Radius Global Solutions LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a payoff letter from Radius Global Solutions LLC. This is from a auto debt with creditor XXXX XXXX XXXX. The letter states that I have 30 days from the date listed on the letter to accept a payoff amount of XXXX. I spoke with a customer service rep named XXXX about the payoff amount and try to negotiate a lower amount. After several calls with her and her supervisor I made a payment with XXXX XXXX in the amount of XXXX and setup a payment arrangement for the balance of XXXX. This balance would be paid over 6 months in the amount of XXXX. I was told that an email would be sent with a confirmation of payment as well as the payment arrangement we setup. Unfortunately, after 72 hours I never received an email so I called back spoke with XXXX. He informed me that the payment arrangement made could not be honored per his supervisor and I had to pay full payoff amount. I stated to XXXX that we had a verbal contract the company 's pre-recorded conversation. Which legally bines them to the payment arrangement made between XXXX XXXX and I. As of XX/XX/XXXX this organization has report a balance of XXXX owe to the credit bureau. Please advise if you are able to assist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Its my understanding while purchasing a new car at the Dealership, the following inquiries should be count as " XXXX '' not " XXXX ''! I only gave permission for 'one ' credit inquiry. Please delete XXXX from the list below soonest : a ) XXXX XXXX XXXX XXXX XXXX, MI XXXX b ) XXXX XXXX XXXX XXXX, TX XXXX c ) XXXX XXXX XXXX XXXX, TX XXXX d ) XXXX XXXX XXXX, OH XXXX e ) XXXX XXXX  XXXX XXXX, TX 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 2017-07-19
Company: CCS Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a letter in the mail from credit collection services.. I requested a debt validation from this alleged company. The company has never responded back to the compliant that cfpb sent but the company. I received a phone call on X/XX/2017 from this company threatening me because I would not validate a debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Total Card, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Total Card issued by XXXX Bank I closed the account XXXX week ago XXXX balance confirmed with XXXX XXXX Account remained open and subsequently charged a monthly service fee Still have not closed the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Experian Information Solutions Inc.
State: MD
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:
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt In VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX 2017 JH Portfolio sent a letter stating they verified an account. However, they did not provide evidence validating the debt as I previously requested.I asked for competent evidence that I have any legal obligation to pay them for said debt. They were not able to provide proof and I requested this false debt be removed from all credit bureau reports. The debt is still present on all credit reports.

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 2018-09-17
Company: Regional Management Corporation
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Calling my work numerous times asking personal questions. Asked my hire date! Calls at least 3 times a week. Her name is XXXX XXXX, she is not the only one calling now ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
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:
Due to malpractice by your company I'm being taking advantage of completely ... ..according to the fcra... this has made my life stressful financially and this is also deformation to character... I've been unable to obtain any new credit because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Due to malpractice by your company I'm being taking advantage of completely ... ..according to the fcra... this has made my life stressful financially and this is also deformation to character... I've been unable to obtain any new credit because of this

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