BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/2022 my account with XXXX was satisfied via XXXX XXXX XXXX XXXX. 

Current Creditor : XXXX XXXX XXXX XXXX, XXXX Client Account # : XXXX Our Account # : XXXX Original Creditor : XXXX XXXX XXXX XXXX This letter acknowledges the receipt of payment ( XXXX ) on the above mentioned account. This letter shall serve as evidence that the above referenced account has been resolved. 
Amount Paid : {$760.00} Date Resolved : 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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/2022 my account with XXXX was satisfied via XXXX XXXX XXXX XXXX. 

Current Creditor : XXXX XXXX XXXX XXXX, XXXX Client Account # : XXXX Our Account # : XXXX Original Creditor : XXXX XXXX XXXX XXXX This letter acknowledges the receipt of payment ( XXXX ) on the above mentioned account. This letter shall serve as evidence that the above referenced account has been resolved. 
Amount Paid : {$760.00} Date Resolved : 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 2018-03-08
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
They have called my job in numerous occasions and after hours. My manager pulled me aside with a warning about these phone calls.

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 2021-12-14
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
They constantly call from different numbers and when I dont answer they dont leave voice messages, the text me all types of morning and night trying to deceive me to clicking on a link via text. Someone by the name of XXXX emails me multiple times a day. Its really harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: CCF Intermediate Holdings LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company is sending threatening emails of Warrant for arrest in addition email contains all my personal information including my SSN, DOB This debt is from XXXX 2015 XXXX- The attached is a copy of the email- IT has formerly be 7 years. 
Texas and Federal Law Texas Constitution, Article 1, Section 18 This provision in the Texas Constitution ensures that no person shall ever be imprisoned for debt.

Texas Finance Code Chapter 392, Subchapter D These sections of Texas law outline deceptive, threatening, and abusive behavior that debt collectors and original creditors can not engage in. These behaviors include : falsely accusing you of a crime, using profane or obscene language, using a false name, misrepresenting that their communications are coming from an official government source.

Sections 1692d ( 1 ) and 1692d ( 2 ) in Title 15 of the U.S. Code Under the FDCPA, third-party debt collectors can not use profane or obscene language. They can not threaten you with violence or other criminal acts.

Section 1692e in Title 15 of the U.S. Code This section of the federal Fair Debt Collection Practices Act lists false or deceptive statements that a third-party debt collector is prohibited from using.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Macys does not mail me statements for my credit card. I have requested my statements monthly.

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 2018-10-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

Incorrect and inaccurate information is being furnished on my credit report. I do not XXXX XXXX nor do I have an outstanding balance with them. see attachment Document password - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Santander Consumer USA Holdings 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: Personal information incorrect

Complaint:
I entered into a lease with Chrysler Capital after the appropriate process was completed at my local XXXX  XXXX, XXXX dealer. They informed me that I would not owe anything for the first month or two. The dealership, despite having my license, telephone # and address filled out correctly BY ME, supplied the 1. Wrong phone number to Chrysler Capital 2. The Wrong Address, and 3. Supplied them with NO EMAIL. I tried to log into Chrysler Capital after not receiving any correspondence fro leasor but was unable to do so as I did not even have my account number. I was notified of a credit change and immediately called Chrysler Capital and they NOTED it was their mistakes that led to this delinquent reporting as they verified NO correspondence was sent to me via email, phone, or mail. They told me I had to contact the credit bureau 's to rectify, which I did, but this still remains as an adverse event that was not of my fault. I am current on ALL payments with every institution I am involved with. This adverse event is unjustified as I had done my due diligence in filling out correct information MULTIPLE times at dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/XXXX, I saw an entry on my credit report from Ad Astra Recovery for a loan they alleged I took out in XX/XX/XXXX. I sent a request for information proving the debt was indeed mine because I am certain I have never had any business dealings with this company. The first response was a generic response with just my personal information such as date of birth and last four of my social. ( which can be obtained through public records ) See attachment. I then submitted a dispute through the XXXX credit bureaus because according to XXXX what they provided was not proper validation so I requested that the information be removed from my credit file. The debt came back as " verified ''. In XX/XX/XXXX, Ad Astra sent me a settlement offer stating that I can make bi-weekly payments of {$220.00} to settle the debt however I refuse to settle a debt that has not been proven to be mine. See Attachment. I reached out to Ad Astra in XX/XX/XXXX, again requesting proper validation according to FCRA and Texas Finance Code, This time they responded with a " contract ''. I combed through all pages of documents NONE of which had my signature agreeing to the terms of this alleged contract with the original company nor did it include any documentation agreeing to a contract of terms of payment in which I have defaulted with Ad Astra. I believe this company is trying to take advantage of me as a consumer as if I do not know my rights. They have ignored my multiple request to validate this debt according to federal and Texas state law. So far what I have received in generic documentation that can not be used to conclude I indeed owe this debt. Again I do not have a contract with Ad Astra and the documentation showing a contract with the original company does not include my signature. It is obviously a typed fill in the blank contract. I want this removed from all XXXX bureaus immediately and all collection attempts ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Every month Since XX/XX/2021 I have disputed inaccurate public record information and transunion either ignored my disputes or lied regarding the validity. Never providing the inquired investigation proof by law I am entitled to. By federally law an investigation of any alleged accounts must be a personal investigation, neighbors, family and/or friends. Congress never said you can buy bundled data electronically and that makes it accurate. Transunion never investigated the data they placed on my personal report thats completely harmed and hindered my well being and my childrens well being. So, I did their job for them. I investigated and attached is proof that Transunion has violated me for years and Congress states I am owed damages. No courts disclose 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 2017-04-11
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is the 2nd complaint that I have submitted on this issue. The 3rd step is going to be me taking CBE group and XXXX to court for harassment regarding a bill that I do not owe. I created case # XXXX, I received a response that CBE would cease collections and has sent in a withdrawal to the XXXX credit bureaus to remove the debt from the report. Now I have received yet another letter from CBE requesting the same funds again in which I will NEVER pay. I have provided all of the documents including a letter from the leasing agency proving that I relocated and left the premises XX/XX/XXXX. XXXX XXXX XXXX and the CBE group are attempting to collect {$350.00} from me stating that the disconnect date was XX/XX/XXXX. I called CBE group, they advised for me to get proof that I had moved, I got proof from the leasing property management that shows the date I moved ( XX/XX/XXXX ) and sent it in. I was then advised by CBE that XXXX has advised them that they do not accept proof of customers relocating and to keep it as a valid debt. My next action was to come to consumer financial protection bureau for assistance, I created the case mentioned above and got the response of the CBE group has ceased collections. I now have another letter dated XX/XX/XXXX with them attempting to still collect funds that I am not responsible for. I have asked for XXXX to pull the records of my disconnect call and was refused, even with proof that I relocated they are still continuing to harass me. I do not owe this debt and it will not ever be paid by me. You can not collect funds or attempt to scam someone whom has proof of moving.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have a security freeze on my credit reports, i tried to go online and lift my security freeze with Equafax and i fill on the information and submit it online as they say you can sign in and do it onlne, when i tried it it tells me the request can not be processed and l need send in copy of my ID plus other things, they make it very very very hard to do anything online.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has not complied my request to provide documents that their company has on file to verify the accounts that I have disputed. It is past the 30 day mark, and Experian have not been verified these accounts properly, under 611 ( 5 ) ( A ) FCRA they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this issue as soon as possible thank 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 explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: KY
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX services.  I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2017-04-15
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was approved for XXXX private loans between XX/XX/XXXX and XX/XX/XXXX. The loans totaled just under {$50000.00}. I now owe almost {$100000.00} on for them despite having made almost continual payments since my college graduation in XX/XX/XXXX. These loans were serviced first by XXXX XXXX and then by Navient from XX/XX/XXXX to XX/XX/XXXX, at which point I was able to consolidate them with a move reasonable company. During those 9 years, the loan servicers were incredibly unforgiving of any personal or financial hardship I experienced. During my mother 's illness and death I was unable to work as I was caring for my mother. XXXX XXXX was unable to put me on any sort of payment plan other than the full amount, which forced me to defer my loans which increased the total amount owed significantly. Following that, they were unwilling to enroll me in any possible payment plans, frequently telling me there were no plans available for my loans. The debt of these private loans has prohibited me from buying a home, traveling, and experiencing other typical life events, despite working XXXX-XXXX jobs at all times to pay them back. I currently pay more in student loan payments each month than I do in rent in XXXX. 

The most alarming part is that I should never have been given these loans in the first place. I had no established credit at the time. Now, as an adult, I do n't understand how I was even allowed to be given these loans. I make a lot more money and have significantly better credit now and can not receive a loan of that size. I understand that the CFPB is sueing Navient and cases such as mine have been included. Would my loans fall under this lawsuit as well?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have continued to request for verification and validation of the alleged debt but to no avail. This debt is not mine. I do not owe the amount requested and they continue to switch collection agencies and therefore making it impossible to get the validation. They filed a bogus item on my credit files

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
On XXXX we closed our home loan with Cornerstone mortgage. We paid our mortgage monthly with no issue. On XXXX we received an escrow statement stating our payments were going from XXXX monthly to {$3300.00} due to an mistake in not collecting the appropriate amount of escrow. This was absolutely an amount we could not afford. So when we received our XXXX statement, I began to pursue options with the mortgage company and completed the required application. I heard back in XXXX that the account was placed on a trial modification and the first payment would be due on XXXX. We completed all of the trial period payments. However, during the trial period received a notice that our loan had been sold to XXXX, and the servicing would remain with Cornerstone. In XXXX we also received confirmation that our modification had been approved, so we completed the paperwork, had it notarized, and returned it in the shipping envelope provided. I believe it was in XXXX we received a notice that the servicing of our loan was also transferred to XXXX. I was able to register on their website and have been logging on to the account at XXXX and speaking to their representatives ... according to them they have not received the final processed paperwork from Cornerstone. Something about Cornerstone would have sent it to XXXX for processing and XXXX would have returned it to Cornerstone, and then Cornerstone would have to send it to them. It is now XXXX. My loan was tanked by a Cornerstone Escrow error, and now it has been sold to a sub-prime lender who can not finalize my account because according to them they do n't have the appropriate paperwork from Cornerstone. I contacted cornerstone by email on XXXX and received a response to contact their modification department. I did so, and was told I needed to submit a request in writing to the research department. I told the young lady that it was a request in writing that directed me to contact the modification department. She then said she could escalate it to a supervisor but it would take 24-48 hours. I asked to speak to the supervisor she said sure, then transferred me to an extension that rang and disconnected the call. This whole situation has been not only unfair but at no time has Cornerstone admitted to making these mistakes that have essentially cost my credit score and financial stability. I would like this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Upon the of sale our home in the state of XXXX and intent to move and purchase another home in the state of XXXX. We asked our lender at the time, Flagstar Bank, to help us with this new purchase since they were 1 ) servicing our current mortgage in XXXX and 2 ) approved us for a re-finance in XXXX. I believed it would be an easy process seeing that they had all of my financial information in their system. XXXX XXXX XXXX, a Loan Originator at Flagstar, did prepare a pre-approval letter for my new home purchase in XXXX on XX/XX/21. On XX/XX/21 I began the search for a home in XXXX On XX/XX/21 I wrote an offer on a home and that offer was accepted on XX/XX/21. The offer was accepted based on the proof of funds from the sale of my home in XXXX, 1 % earnest deposit of {$4800.00} and updated pre-approval letter dated XX/XX/21. The updated pre-approval letter was provided by XXXX XXXX with a new loan amount from Flagstar that reflected the purchase price of the new home. Escrow was opened on XX/XX/21 and XXXX XXXX XXXX, Loan Processor at Flagstar began to ask for financial documents and for me to prove my legal citizenship and other personal documents from my son also due to his student loan. XXXX XXXX continued to ask for these types of documents and letters of explanation throughout the entire time, leading me to believe I was going to secure a loan. I was the Realtor representing myself and my husband in the transaction and was observant of the contingency time lines, as contingencies are set in place to protect the buyer 's best interest during the transaction. I did my best to communicate with XXXX XXXX and XXXX XXXX of Flagstar and continually provided them with the personal and financial documents they requested. This led me to believe that we would be able to secure this loan. They did not inform me that our loan with Flagstar had been denied on XX/XX/21. The last date to withdrawal my offer due to a loan contingency and not lose my earnest deposit of {$4800.00} was on XX/XX/21. I was finally informed that I was not able to secure a loan from Flagstar on XX/XX/21, the day before we were to close on the purchase and well past the loan contingency date. This then resulted in a direct violation of the contract and I was forced to forfeit my earnest deposit of {$4800.00} to the seller solely due to Flagstar 's negligence and failure to inform me to withdraw my offer. Flagstar had 13 days to inform me that our loan was denied. I believe that Flagstar is responsible for giving mw my earnest deposit that I lost in the amount of {$4800.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This is not the first time and I am sure will not be the last time that the additional funds I have requested be made to principal are held by Wells Fargo in an Unapplied Funds Balance Account rather than being applied to my mortgage and thus allows them to charge fraudulent interest. I want them fined for this consistent effort to refuse my additional principal payments so that they may charge more interest for their own business interests. Per the attached documents, it will show how my payment was {$1000.00} and they only applied {$850.00} to my payments which is a significant difference ; this has been going on for the past 3 months accounting for {$550.00} in paid principal that they are charging me compounded interest on! This is not my first complaint with CFPB and I hope this time you actually protect the consumer rather than allowing a company that has been fined and lost court battles over their fraudulent business practices to continue covering up their fraudulent actions without consequence.

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