BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-04
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is an extension of my latest complaint against Resurgent. In their response to the CFPB complaint " XXXX '' ( no last name ) from their compliance department left the " compliance contact '' phone number XXXX. I called the number and was then informed that " this is an attempt to collect a debt ''. No, that is totally inappropriate. I am calling a compliance department to discuss a violation. Anyway, the automated system then attempted to trick me into pressing various numbers that would falsely allow them to claim that the purpose of the call was to make a payment. When I finally get to speak to a rep, the rep says she needs to ask questions for security verification. Two of the security verification questions are variations of " do we have permission to contact you. '' So they are lying on the face of it again attempting to entrap me and then misrepresent the conversation in court later... totally inappropriate .... I decline, and then she refuses to speak to me unless I lift the cease and desist order. I give up. The next day I call again. Same bad faith response from resurgent. This time I speak with 3 seperate reps. I am informed that my case is " not being handled by compliance '' and they refuse to transfer me or tell me who XXXX is. They will not listen to anything I have to say unless I lift the cease and desist order, which they violated anyway, which is the purpose of the call. This is completely ridiculous and there is no way this is legal or moral in any society... I want to sue them. They have been illegally harassing me for months to pay a debt that I do not owe. Even the written response to the government complaint is in bad faith. This is so flagrant. Someone needs to go to prison over this .... They better not delete the voice recordings before the court gets to listen ... and who the XXXX is " XXXX ''?!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: TX
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$21000.00} ; PXXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Braviant Holdings, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was in the process of switching phone carriers and I recieved a call from my husband saying a debt collector called him and was very persistent i then got my phone on the same day and my friend XXXX called me and told me that they called her to that day then my mom called and they had also called her and ask for information and they repeatedly tried to harrass my friends and family with calls within 24 hours. I spoke with them this morning, they had no reasoning to be calling everyone in reguards to my debt and it has become embarrassing and upsetting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have contacted Synchrony Bank about having closed my account in late XXXX. They mailed me a check with the incorrect address information on it despite I received my card with the correct information at the same address. They told me multiple times they were sending another check and yet they confirmed they have only ever sent one check. XXXX XXXX is doing this purposefully to keep my money as a free loan. Knowing their reputation should make holding them accountable easier

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-06-04
Company: General Motors Financial Company, Inc.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NOTICE OF DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX years of imprisonment, in addition to civil liability. 

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission or without permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C. 1618b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. supp 2d711 ( S.D Ind.2003 ) I have not initiated any transaction with XXXX XXXX XXXX XXXX XXXX furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Americredit XXXX for review for collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than XXXX years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via certified funds to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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: Reporting company used your report improperly

Complaint:
I was sent a letter from the XXXX XXXX of  Bankruptcy stating they never share information to any credit bureaus. When filing any bankruptcies through their court system. Unfortunately, the credit bureaus have this information.

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 2023-02-27
Company: Fairway Independent Mortgage Corporation
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested to have the escrow for taxes ( the only escrowed item ) removed from my account in XXXX, XXXX. I received the attached letter stating my request was not approved due to the original appraised value and my current LTV not being 80 % or less. Which is blatantly false. The original appraised value of my home at time of purchase was {>= $1,000,000}, making my current loan balance of {$890000.00} an LTV of 72.5 %. Fairway originated my mortgage so they have the original appraisal on file. The current appraised value ( valuation completed by Fairway to remove PMI ) is {>= $1,000,000}, bringing the current LTV to 71 %. I emailed Fairway about this to dispute the validity of the reason for requiring escrow and have to-date never received a reply. I have called twice, most recently on XX/XX/XXXX, and was told both times it is not possible to speak to a person in their escrow department who handles these requests and that my only option is to communicate via email. I emailed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To-date, I have not received a response or a valid explanation as to why escrow for taxes is required. 

Where I live, the taxes will go up every year so the escrow account will ALWAYS have a shortage and be in arrears. The current taxes are almost $ XXXX and there is no reason why I should be forced to spread this amount out monthly to pay into an account that I earn no interest on when I can better manage my money myself, and should I decide to do my own escrow I can earn almost 4 % return in a high yield savings account. Additionally, the approximately {$500.00} extra per month required for this escrow reports on my credit report and affects my t

otal DTI, which affects my ability to apply for other financing, etc. I do not want or need escrow for taxes. I do not escrow insurance or the HOA payment. There is no reason that I can see under federal or Wyoming law that Fairway can require this escrow account given my perfect payment history and low LTV.
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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: Information belongs to someone else

Complaint:
I submitted a letter to them but I never receive any response or notification on what happen on the investigation they were suppose to do regarding the accounts I mentioned on the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2023-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
Portfolio Recovery is reporting inaccurate information to the credit bureau, Portfolio Recovery has reported 2 accounts in the amounts of {$540.00} and {$630.00} for accounts dated XX/XX/XXXX and XX/XX/XXXX, the amounts are incorrect and the account status reported as open is also incorrect, I have disputed the information with a direct dispute with XXXX XXXX and the solution reported that the accounts were accurate, no documentation or proof has been provided to me regarding these accounts, the information reported is inaccurate and affecting my credit in a negative way

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i have contacted XXXX XXXX in regard to the inaccurate payment history they have furnished to credit agencies. a charge off was reported in the payment history to XXXX  but in the same month it was reported on time to XXXX this a violation of 15 usc 1681s ( a ) ( 1 ) ( A ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
As of XX/XX/2023 I am in discussion by e-mail with Seedfi. about closing an account that I have with them. They are telling me that when they close my account it could negatively effect my credit rating. I never borrowed money from them, they are holding my money in what I thought was a savings account linked to my XXXX debit account- but it's actually some type locked savings account, for the purpose of building credit. The account was too easy to set up via cell phone, and gave the appearance that it was just another XXXX account - a savings account to be exact. I've figured out over the last few months that its not a part of XXXX and the funds are not accessible. I want my money returned with no penalty. But I'm being told that my credit report could be impacted negatively, as if a threat to keep me from closing my account. They have no control over this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Atlanticus Services Corporation
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I opened up a credit protection claim for my account with aspire credit card. 

I received confirmation on XX/XX/XXXX that my documents were considered under review. 
On this date Also I learned of missing claim document that needed to be turned in, that I never received. 

XX/XX/XXXX I contacted aspire as to why the claim was still just pending and let them know I never received the extra document. 

And in between XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX I consistently reached out to aspire on this document that was missing and tried to receive via email but only received the same email back every single time. 

" Thank you for the opportunity to serve you. This email is in response to your recent inquiry. 

We understand your concern. In order to better assist you with your request, please contact our credit protection team at XXXX. Their hours of operation are XXXXXXXX XXXX XXXX  XXXXXXXX XXXX EST from Monday to Sunday. 

We appreciate and value your business. Please let us know if you have any further questions regarding your account. '' On or around XX/XX/XXXX I called and was able to speak with someone on the phone with aspire that told me they couldn't process my credit protection claim because " i was so far behind on my payments ''. 

But on XX/XX/XXXX I actually received notification that my credit protection claim was now denied because of the document they didn't receive nor did I receive from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was current on my mortgage when I was impacted by COVID. I raise my hand to get on a CARES ACT Forbearance. At the end of 2022, I raised my hand to advised the hardship was over and could not reinstate but I could afford the current payment going forward. It is now almost XX/XX/XXXX with no word on my status. I have had to call in for updates because I am so worried. I am trying to do the right thing. I even escalated to a manager, they advised they have 72 hours to call back but I wait 5 days and called again because no call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I wrote a check to XXXX XXXX XXXX for {$250.00}. That check plus two others were stolen from the outdoor mailbox at the Post office at XXXX XXXX and XXXX XXXX, XXXX, Ohio. Two of the three checks were altered, including the one made out to XXXX XXXX XXXX. The amount was altered from XXXX to {$9300.00}. That check was incorrectly honored by Huntington despite an obvious handwriting mismatch and other indicators of fraud. {$9300.00} was withdrawn from my account. The second check was altered to {$4100.00}, but was not honored by Huntington and funds were not withdrawn. 

On XX/XX/XXXX, I was notified by Huntington about the fraudulent check clearing and reported the fraud the next day. I filled out a statement of fact with Huntington, as well as a police report ( report # XXXX with XXXX XXXX, pct : XXXX ). I also filled out a statement of fraud with altered check claim, including a copy of the checkbook register, with Huntington.

I have been working with Huntington to resolve this issue, however it has been 11 months since the fraud occurred and the issue has not been resolved, nor the funds returned. Additionally Huntington has denied me any extensions of credit to cover my losses, despite my relationship with Huntington for 50+ years.

Not only was the check on its face so obviously fraudulent as to indicate incompetence in Huntingtons fraud detection department, their inability to timely resolve the issue or help me cover my bills in light of their own mistake feels like a form of elder abuse perpetuated by the bank ( I am XXXX XXXX XXXX ). 

Huntington keeps claiming that XXXX XXXX  is at fault because they are the depositing institution, and they keep trying to send me there, but every time I contact XXXX XXXX  they tell me they can not help me because I am not a XXXX XXXX  customer. 

The actions on the part of Huntington and XXXX XXXX  are Unfair in that I am unable to avoid harm, the harm is material, and I have no options for remedy outside the banks actions. They are also deceptive considering how much they advertise fraud protection but were unable to detect an amateur and obviously fraudulent washed check. I feel like they are just running out the statute of limitations as a way to continue further harm to me without having to reimburse me the amount stolen from me due to their incompetence and negligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-20
Company: EdFinancial Services
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I refinanced my Federal Student Loan in XX/XX/2022. The original loan serviced was Edfinancial. In XXXX of 2022 I submitted a refund request for {$28000.00} and the person I spoke to said it would be processed and sent to XXXX. A few months later I received a call from Edfinancial saying my refund couldnt be submitted because it was paid by a third party. The person I originally spoke to said there was no approval process and that ALL payments made during Covid-19 are eligible for a refund.

Company response to consumer: Closed with explanation