BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My XXXX card was closed by XXXX on XX/XX/2020 because of inactivity of credit card.I went on transunion site to get free copy of report and i cant.Transunion doesnt make it easy to navigate on there home page to get report for free.

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: Porsche Financial Services, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
thanks for the opportunity to have this matter discuss my name is XXXX XXXX my current situation is with : Porsche financial serve Porsche account XXXX I started a lease on XXXX XXXX for personal reason I stop making payments on XX/XX/XXXX when I got the car I down pay 7000 usd I was making payments of XXXX usd for a situation back in XXXX I stop making payments my wife got pregnant and at the same time I lost my job I understand that XXXX what we agree but i can say i really try to make this up till the las moment i try to make the payments but when out of my hands the concern i have is the i been told that the car been sold and i even have gap insurance and they steel reporting my every month on my credit report negative from then i got it on XXXX of XXXX the are keeping my life impossible with my credit my family got bigger I'm no able to buy a house i been staggering very bad with this situation on my credit XXXX of the major bureaus are reporting this information Wich are ( XXXX & XXXX XXXX the comment on my credit show as charged off account they been reporting on my credit even after the sold the car and got pay true the gap insurance I try contacting talking to then but there no way they can reconsider removing the information they are been posting from more the XXXX years since I don't have the vehicle on my possession I been doing things right at this point I just want be able to offer my family a decent place to live if there anything you can do to help me XXXX XXXX XXXX you the contact information from Porsche is : XXXX my name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Halsted Financial Services, LLC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Halsted Financial services, only contacted me using a text that contained a link and said action will be taken if I dont pay. I tried to contact them because I refuse to click a unknown link that I randomly get on my phone. I told them I wanted a written noticed and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Atlanticus Services Corporation
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 was notified by my employer of my wages being garnished for a debt in the amount close to $ XXXXThis is a previously approved credit card of {$6000.00} 15 years ago? The Company is VISA ASPIRE. Never have I been in the presence of this approved credit at 20 years old. No credit history no full time job but my social security was hacked into and used to be approved for something I never had access to. There are unknown records of delinquency in XXXX and payments made towards this in XXXX. I called to locate this application and to ask for the proof of approval but they could not locate this account. Furthermore could not prove I have an account there. My " account '' was place with a collection agency XXXX XXXX XXXX which I have been sued for something I have no direct connection too. Please help stop this fraud and please relinquish this debt from my social security as it is damaging to my livelihood! I am doing my part on filing a claim and a police report to help my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Called Bloomingdales Credit Card on XXXX XXXX to start a claim for XXXX fraudulent charges that were made from XXXX XXXX totaling XXXX {$1200.00}. It took Bloomingdales two months to mail a Statement of Fraud for me to sign and return. I mailed the signed Statement of Fraud to Bloomingdales which was received on XXXX XXXX per USPS tracking. It is now XXXX XXXX, approximately 4 months since the claim was opened, and there has been no communication by Bloomingdales to me. I have called numerous times for updates. Only response I have been given is to continue to call back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-25
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am trying to payoff my loan. I am told the only way to pay off the loan early is to pay a XXXX $ penalty/fee. The lender will not let me pay the required extra principal to pay off the loan because the lender limits the amount of extra principal that can be paid within a 50 day period, on-line, and by phone. I have a choice of making one extra payment every 50 days ( would take 4 months ) or pay the penalty/fee for paying off the loan early and getting the lender to provide the paperwork. When I told lender I was going to report this, all I got was the representative indicated she did not consent to being recorded and I could not use the information she provided against the company or her.

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 2016-02-23
Company: Avant Credit Corporation
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Avant credit has been wrongly applying the extra payments I make every month to interest instead of principal. 

I am obligated to pay {$360.00} and have been paying {$100.00} a week instead. To date I have paid {$5800.00}. 
Avant has only applied {$2200.00} to principal. To further test their wrongful allocation of monies I am paying them from online bill pay through XXXX XXXX XXXX, I sent in a {$5.00} payment and in the comments put " principal only '' - they added this payment to interest XXXX % along with the next payment of {$210.00}. The {$5.00} payment was made on XXXX and the {$210.00} payment was made on XX/XX/XXXX 

The facts are simple. They agreed over the phone around XX/XX/XXXX ( they record all calls and the calls can be subpoenaed ) that any extra payments would be applied to principal. They are treating my principal reduction payments as though they are advance payments which they are not. There are no prepayment penalties. 

Avant 's deceptive allocation of principal payments have made it next to impossible for me to payoff my loan early as a responsible consumer. They have not clearly outlined in writing how a consumer can make principal only payments and by creating this breakage model, are effectively creating a prepayment penalty which the contract I signed expressly indicates that there is no prepayment penalty. Their deceptive payment allocation practices amount to constructively blocking a person 's ability to pay out their loan early thereby saving them interest as evidenced by the fact that even a payment labeled " principal only '' was put 100 % to interest. 

When you divide the interest applied ( {$3500.00} ) from the total amount paid ( {$5500.00} ) the effective interest rate I have paid is 60.9 %. My contract states that my APR is 35.94 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On Friday XX/XX/XXXX received XXXX letters from Resurgent Capital Service company intent to collect money. My name is very common, just looking for XXXX XXXX and intent collect money, they don't verify before sending this XXXX. That collection is not mine, it's not my deb. I XXXX with prove documents sign and the last XXXX digits of my social security number. I never use the XXXX XXXX XXXX service. I called the company, but they are asking for your social number I'm not going to provide that information to them, on the contrary they have to prove that this debt is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17
Company: EQUIFAX, INC.
State: SC
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 reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent XXXX XXXX a copy of my police report, ID Thief Affidavit, ID, my social security card, and my XXXX document showing that at the time these items were opened I was XXXX. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a XXXX credit card on my credit report for the amount of XXXX that was opened in XX/XX/2012. I have never had a XXXX Card/ I have recently tried to obtain credit and was made aware this is debt that owed by me. I disputed all three bureaus and I am showing the card listed on my report as XXXX XXXX charged off and XXXX XXXX both collecting on the same amount. Both are trying to collect a debt that I never applied for. This account is showing as being had payments, but I have NEVER made a payment on this card or ever done business with either. I called and asked about the address and the address given was a XXXX, NC, which is not my address or have I ever lived at that address. I disputed with all three bureaus XXXX, XXXX, and XXXX, and they have it listed as verified. This is fraud, and I would like an investigation to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: AES/PHEAA
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: Account status incorrect

Complaint:
I 've been on the Income Driven Repayment Plan for 3 consecutive years. I had re-submitted my annual documents in a timely manner for the Income Driven Repayment plan, so I can remain enrolled. However, XXXX XXXX XXXX DID NOT process my renewal properly, and as a result my credit score declined 100 plus points. I 've contacted XXXX XXXX XXXX   about this issue. They have only assigned my Account as current, yet, they have not removed the PAST DUE dings on my credit. I now have 10 student loan accounts they have negative markings, resulting in a lower credit score.
Please help me with this matter. Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
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: Was not notified of investigation status or results

Complaint:
I am requesting that my credit report dispute be reviewed. This is the 4th attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.

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 2019-11-25
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:
These accounts are likely fraud as I don not recognize them this information is wrong please remove from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called Convergent Outsourcing popped up and appeared on my XXXX credit profile and posted a debt XX/XX/XXXX. They never previously sent me any mail as an attempt to collect a debt. I never had any contract with them. They state on my XXXX report that XXXX is the Original Creditor which automatically makes Convergent Outsourcing a 3rd party Debt Collector. I owe no debit to them. There is no contract. 

I sent them and Affidavit OF Truth on XXXX XXXX XXXX and got it notorized at a local XXXX XXXX Bank by a Banker. Convergent sent me a copy of a bill statement, no contract and or rebuttal to my Affidavit. I am providing the Affidavit in the attachment i sent to Convergent, before XXXX XXXX notorized it because i forgot to make a copy after i got it done. 

My Affidavit stands as truth in a court of law. This is an illegal practice. This company violated my right to privacy according to the Privacy Act Of 1974. This company is hurting my ability to get loans, a car and credit cards at fair low interest rates which is oppressing to me and highly stressful. Them remaining on my Consumer Report is constant harassment.

15 U.S. Code 1692d - Harassment or abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of 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 2016-10-05
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Delinquent account

Complaint:
Capital one and XXXX XXXX sold my account to a debt collection and their still reporting to the bureaus

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: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Have not received my 1098 for 2021 - loan was sold by lender to XXXX XXXX in XX/XX/2021. I have XXXX 1098 but never received the LoanDepot.com 1098. 
Called 2 weeks ago to request duplicate. Was told by customer service rep it would be sent out same day. Still have not received anything. Can no longer login as once loan was sold they removed my ID from their online system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: LA
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:
There are 6 late payments being reported by DEPT OF EDUCATIONXXXX ( 1 late payment for 6 different loans ). That information is false. My student loans should have been deferred due to a natural disaster in Louisiana that I was affected by. I had spoken with a representative with XXXX & they advised since I was displaced from my home, payments would be deferred for 12 months. 

I have a late payment reporting for DEPT OF EDUCATION/XXXX, Acct XXXX, Balance on XX/XX/2022 is {$2900.00}, Original loan amount is {$2000.00} DEPT OF EDUCATIONXXXX XXXX Acct XXXX, Balance on XX/XX/2022 is {$4100.00}, Original loan amount {$3800.00} DEPT OF EDUCATION/XXXX, Acct XXXX XXXX Balance on XX/XX/2022 is {$3200.00}, Original loan amount is {$2600.00} DEPT OF EDUCATION/XXXX, Acct XXXX , Balance on XX/XX/2022 is {$7900.00}, Original loan amount is {$6500.00} DEPT OF EDUCATIONXXXX, Acct XXXX, Balance on XX/XX/2022 is {$8700.00}, Original loan amount is {$7500.00} DEPT OF EDUCATION/XXXX, Acct XXXX, Balance on XX/XX/2022 {$3600.00}, Original loan amount is {$3500.00} In accordance with the Fair Credit Reporting act these accounts have violated my rights.

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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received numerous collection letters from Midland Credit Management. I responded several time with debt validation requests. I have certified proof that they received my letters. They have yet to provide me with information that i have requested from them. Instead they continue to send me the same letters asking me to provide them with a written explanation and documentation demonstrating any errors on my credit report. According to the law, if a debt can not be properly verified it must be removed. The burden of proof is on them. I demand they either send me contract with my name and signature or delete this entry from the bureaus immediately. I am aware of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have a 30-year conventional mortgage with FreedomMortgage. Like many other Americans, we have been hit with higher expenses due to the COVID-19 crisis and are having difficulty meeting all of our financial commitments. We became aware of the 6-12 month forbearance program as part of the CARES act and contacted FreedomMortgage by telephone in early XXXX to inquire about this option. I was told by a representative at FreedomMortgage to complete a COVID-19 forbearance request form and email this to them, which we did on XX/XX/2020. I followed up with FreedomMortgage by telephone on XX/XX/2020 to confirm their receipt of our forbearance request and was told they had nothing on file. I was placed on hold for over an hour while the representative presumably researched our request. At that time, I needed to disconnect the call to return to work. To this date, we have received no confirmation of receipt of our request for forbearance, nor approval of the same and FreedomMortgage is sending us dunning notices with threats of late fees.

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 2016-12-12
Company: Freedom Mortgage Company
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello. 
I recently contacted my mortgage company - Freedom Mortgage - regarding requesting removal of PMI from my mortgage. In the letter XXXX SEE ATTACHMENT ), I advised that my current outstanding principal on my loan is {$210000.00} ( As of XX/XX/XXXX, the loan balance is : {$210000.00} ) ( SEE ATTACHMENT ), and that the 2016 value of my residence, as determined by XXXX office, and that which I pay taxes on, is {$270000.00} ( SEE ATTACHMENT ). I provided the attachments as proof. I showed that {$270000.00} x 80 % = {$220000.00}, and therefore I had over XXXX % equity in my home, based upon the loan to value ratio of the home. {$220000.00} ( 80 % ) & gt ; {$210000.00} XXXX Amount owed on my mortgage ). The figure was based fully upon assessor appraisals and includes XXXX done to the home. 
I received a letter ( SEE ATTACHMENT ) back from Freedom Mortgage that advised that if the home loan was between XXXX and XXXX years, which mine is, I had to have a Loan-to-Current-Value ratio of 75 %. I am not a high risk lender, and I have never missed or been late on a payment on my mortgage. I even pay early and every XXXX weeks. I am also just over 3 years into my current mortgage. 
I do n't know why they are telling me I need XXXX % home to value ratio, when everything says I can request cancellation at XXXX %? I feel as if I am being taken advantage of by Freedom Mortgage. In addition, Freedom Mortgage indicated they only accept appraisals from one vendor - XXXX. I do n't understand how the mortgage company 's XXXX vendor can be unbiased when conducting an appraisal? 
Thank you for your time.

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