BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-17
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have asked Vanderbelt mortgage company to assist me in a hardship since mine and my husband 's health has deteriorated in the past year we can not pay our mortgage in full. I have submitted hardship paperwork showing that I need help in refinancing our loan with a lower rate this bank is taking almost 11 % due to our credit being poor. They refused to help us. We have searched other banks and because our credit is not perfect no one will help us. Me and my husband are XXXX my husband is retired military XXXX and I have had XXXX due to a severe accident. We have XXXX children and are afraid of losing our home. With all these new government programs out there that are supposed to help with lowering your interest-rate no one can seem to help us because of our credit. If Our credit was perfect we would not need the help ... these programs should be designed to help people with poor credit. We have had our home for a year now and Vanderbilt Mortgage Who works with home first Who works with home first House insurance has raised our payment twice in one year by almost {$400.00}. Please we need some help in refinancing to a lower rate in fear of losing our home and this bank is ripping XXXX people off. This bank in particular is the only one that takes people with poor credit and charges a high interest-rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am exercising my rights under the Fair Credit Reporting Act and seeking a validation of debt of an account that is currently been reported on my credit report. The XXXX  XXXX XXXX account that is been reported on my credit report is what I am speaking of. The account number for that account is XXXX. I am seeking documentary evidence that this account belongs to me. I am also seeking documentary evidence showing the payment history on this account and the amount paid each time on this account. 
If you are unable to provide me with this information then under the Fair Credit Reporting Act then this account should be deleted from my credit profile 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 2020-01-13
Company: Bread Financial Holdings, Inc.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have told comenity bank to quit calling me numerous times the last being XX/XX/XXXX at XXXX XXXX. They have called numberous times from several different numbers and have left messages that if I do not call back they will seek legal action. they have also tracked down my ex wifes number ( never on the loan or account ) and supplied her with financial information. this bank never sent me an account number, credit card, or even statements to pay. I have attempted to contact them back multiple times to reach a settlement and I am always transferred to a " automated voice messaging system ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Freedom Mortgage Company
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I make partial payments to my mortgage company. Freedom mortgage 's automatic system does n't allow you to make partial payments. You have to make a full payment. Also, when that payment is made on the automatic system, you have to pay a {$10.00} fee. When attempting to pay with a representative, you can make a partial payment, but there 's a {$15.00} fee for them to process it. You also can not make a partial payment online either. When paying online or on the phone, you can not provide a credit/debit card #, you have to provide a routing/account #. I was furloughed and not able to make payments. I applied for their mitigation loss program. I allowed the 30 day period to review my documents. They denied it because i had n't had XXXX mos of payments. I 've had the loan since XX/XX/XXXX, but refinanced XX/XX/XXXX. I have never applied for the mitigation loss package, but apparently needed a payment reduction. They never called or submitted a letter or notification of the results of the mitigation. I called to receive that information. When I spoke with a rep about the denial, she provided other options that would all cause the payment to be accrued once I returned to work and would need to pay a double payment each month or close to a double payment, within a XXXX month period to become current and or apply for a loan modification again once, I reach my XXXX month period to do a loan modification. I would like to also mention, the refinance only allowed a {$30.00} reduction in payment. Freedom mortgage does n't offer any sort of beneficial help to the consumer and especially in a financial hardship.

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 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$8.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$520.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2022-06-17
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a bedroom set from Ashley furniture on or about XX/XX/2020. The purchase price was {$3100.00}. The set was brand new. Over the course of the past year or so I had issues with receiving a damage free headboard for the set. The headboard was approximately {$350.00}. I've had 4 headboards delivered, each one had noticeable damage. I was told after the first delivery that they usually try two deliveries, I've had 4. I had to identify the damage, the companies delivery team never did. I worked with the company each time a damaged headboard was deliver. Each head board had touch up paint on it after they were damage, the company knew they were damaged but still tried to deliver the pieces to me each time. The current headboard I have is the last damaged one they delivered. I asked that the matter be escalated to a manager, eventually the company stopped returning my calls. At that point I disputed the amount for the headboard with the credit card company Synchrony XXXX. Their response was, " It is the cardholders responsibility to work in good faith with the merchant to resolve the problem. The merchant has attempted to work with you in order to reach a resolution. Please contact them at ( XXXX ) XXXX, so they can help resolve your issue. '' This is not true, I made a good faith effort to resolve the issue with the company. Delivering damaged headboard after headboard is not a good faith attempt to work with me. My time is valuable, I didn't sign up for this when purchasing the furniture. I've attached a few pictures of the damage headboards, there were others that were taken by the delivery team.

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 2016-09-13
Company: Avant Credit Corporation
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I was closing on the sael of a home and I requested a payoff balance for the account as part of the deal for the mortgage loan. The title company will process the sale and buy of the new home and cut me XXXX check to pay my debtors XXXX XXXX, XXXX bank, XXXX and Avant. Apprently I committed to an electronic debit on the full payoff amount ( which i do n't recall ). After the closing on XXXX XXXX I recived the check, these were mail on Saturday XXXX XXXX at XXXX XXXX. Avant has already cevied the check that XXXX XXXX title company made and cash it. On XXXX XXXX 2016 I noticed that the electronic debit was posted to my account for the payoff amount requested, I called XXXX to ask them to reverse an electronic transaction since the check was cash already and they claim they have no evidence of the check being cash and they cant reverse the electronic transaction because it was already committed for payment ( the money is not on the account it was on the check cash ). They only could offer a request for a refund ... 10 days process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PHOENIX FINANCIAL SERVICE / XXXX XXXX XXXX THIS WAS NOT MINE ( I HAD TO PUT FRAUD PROTECTION ON MY ACCOUNT ) this was removed from all 3 of my credit Bureau 's back in XXXX it took me several yrs to get this removed because this was never mine in the 1st place. This was just put back on all 3 of my credit reports XX/XX/XXXX and it was even just updated to being new as of XXXX  XXXX, XXXX I contacted all 3 Credit Bureau 's I asked them to remove this, because it was never mine, I tried to tell them that this is not mine and that it was removed/ deleted off my credit report back in XXXX and it just put back on in XX/XX/XXXX ( UPDATED TO NEW AS OF XX/XX/XXXX ) I fought for the last 7 yrs or more to get this off my credit report and they finally took it off because it was not mine then PHOENIX FINANCIAL SERVICE bought it in XX/XX/XXXX put it back on my credit report then just updated it as new on XX/XX/XXXX just 3 days ago as new ( IT IS NOT MINE ) i FAUGHT FOR 7 YRS TO GET THIS REMOVED XXXX  XXXX XXXX  and XXXX  will not listen to me I TOLD THEM GO BACK AND LOOK THAT IT WAS REMOVED in XXXX HONESTLY I have been trying to get them removed it again for the 2nd time, I was told once it is removed or deleted, they can not be put back on But it was put back on once again and just update to brand new on XXXX XXXX XXXX I worked so so hard over the past several yrs to get this removed for PHOENIX FINANCIAL SERVICE to buy it update it and put it back on PLEASE CAN YOU PLEASE HELP ME TO GET THESE REMOVED it was REMOVED BACK IN XXXX IT WAS 1ST PUT ON MY CREDIT REPORT BACK XXXX When I said back then it was not mine so all 3 credit bureaus removed it in XXXX and PHOENIX FINANCIAL SERVICE / XXXX XXXX XXXX Bought it said it was new updated it as a new account and it is not LOOK AT MY REPORT IT WILL SHOW THAT IT WAS REMOVED BACK IN XXXX AND IT WILL ALSO SHOW I PAY ALL MY BILLS ON TIME AND THAT I OWE NO MEDICAL BILLS THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Patient Account Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2017, {$700.00}, XXXX XXXX, Which My Medicare Insurance Company Said I Do Not Owe To XXXX XXXX. I Have Asked Them Not To Call Me Again. They Have Called Me And Harassed Me 5 Times About This Claim. I Have Also Contacted A Law Firm That Specializes In Debt Collection Harassment.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and found the following unauthorized credit inquiries reflecting on my recent credit report. I did not personally apply for any of the banks and lenders below. Please Delete the listed inquiries from my credit report promptly. Thank You. 

Inquiries Creditor Name Date of XXXX XXXX XXXXu XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX CIS XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CREDIT XXXX BANK NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXXXXXX TransUnion XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX FACTUAL DATA XX/XX/XXXX TransUnion FACTUAL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-02-21
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To avoid admission of its intended deception, fraud, XXXX XXXX XXXX XX/XX/XXXX responded to CFPB XXXX : " XXXX XXXX XXXX XXXX is in receipt of the complaint. Due to the nature of the debt, the consumer must provide written authorization to speak with a third party. This letter can be mailed to XXXX XXXX XXXX, XXXX, PA XXXX. Please be advised we can not discuss any details with a third party without the consumer 's written consent. '' The requested fair resolution to this issue was : " Email XXXX all evidence of validity of this debt; including but certainly not limited to, all copies of ALL billings to XXXX XXXX, all insurance billings, all medical records of all alleged service ( XXXX ), all insurance denials and the name and address of XXXX you have used. '' One fact specifically requested was XX/XX/XXXX billing to manufactured insurer XXXX XXXX to match against XXXX XXXX XXXX 's XX/XX/XXXX provision of this false bill.

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 2017-07-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/XXXX USAA restricted my online access to all my accounts including my auto loan. At the time I was signed up for online billing, however after my online access was restricted I requested physical statements be sent to me immediately, as my auto loan was auto paid from my usaa checking account which USAA subsequently closed. I was told by agents of USAA they would send me the statements over 12 different times. However, as of XX/XX/XXXX over two months later I have yet to receive a single statement. Furthermore, I am unable to access the statements online, thus have no documentation showing what I owe, where and when to send the payment. Most recently I spoke with XXXX from the CEO 's office who informed me I would not be charged a late fee, and nothing negative would be reported as long as it did not go 30 days past due. The loan is already 15 days past due and I still have not received any statements. Even if the statement were to be sent out today there would be no grace period between when I receive the bill and when it is due as required by the fair billing practices act. For some reason USAA has refused to provide me with billing statements for this auto loan, and has refused to allow me access to it online. Furthermore, I get calls every day at XXXX XXXX now telling me it is past due and needs to be paid immediately as it 's past due. Yet they are unable to send a statement.

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 2015-10-13
Company: Financial Business and Consumer Solutions.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX is attempting to collect a debt. They call me during work hours and I have told them XXXX orally that I am in a HIPAA controlled environment and I am not allowed to take calls not pertaining to work. I have on three occasions told them a proper time to contact me is during my lunch at XXXX. They have never attempted to contact me during that time and continue to call outside of that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: TX
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 have reached out to them many times informing them that they had the incorrect information and to remove these incorrect addresses and accounts from my report. I have advised them to sent me original contracts with my name and signature on them but they have failed to do so

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 2022-02-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and found the following unauthorized credit inquiries reflecting on my recent credit report. I did not personally apply for any of the banks and lenders below. Please Delete the listed inquiries from my credit report promptly. Thank You. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account 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 2022-12-15
Company: EQUIFAX, INC.
State: SC
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:
I received a letter from these companies stating they will not remove this unverifiable account from my consumer report. I have been requesting validation of this account and I have not received anything in regards to it. According to 15 USC 1681e ( b ) Accuracy of report, no one assured maximum possible accuracy of this alleged information. Also, 15 USC 1681b permissible purpose of a consumer report, I never gave anyone written instructions to report anything on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Bread Financial 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: Account status incorrect

Complaint:
T

he CARES Act and Credit Reports states ......

If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the COVID-19 national emergency ends.

****In XX/XX/XXXX XXXX/COMENITY/XXXX  is reporting a late payment to my credit report however I had follow all steps of making a valid payment arrangement via the cares act with this company during the XXXX XXXX XXXX however the company is still reporting inaccurately to all 3 of the national credit agencies I was current before and after that time also.

you are current on payments and make special arrangements, creditors must report the account as current.

Late and missed payments CAN NOT be reported if you have already made arrangements.

Company response to consumer: Closed with monetary relief