BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-29
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX, 2015Walmart/Synchrony BankXXXX, GA XXXXRe : Credit Card ending in XXXXTo Whom It May Concern : This letter is in reference to an account held with your financial institution that has become delinquent due to financial distress and external factors. 

The purpose of this communication is to provide you, the creditor, with some insight as to the reasons why my account has been late. During the latter part of XXXX I became unemployed due to non-renewal of contract. Thus, my sources of reliable income diminished. Ultimately, this situation impacted my ability to pay my bills on time. 
As you review my payment records, you could certainly verify that I have tried to maintain a consistent payment history. It is very hard to work, be a student and a head of household of XXXX. 

Thinking about ways to solve my issues, I applied for unemployment benefits. Attached you will find a letter from the Virginia Department of Labor describing my ineligibility for benefits due to tax exemption regulation ( employer ). Obviously, this is something that I was unaware which indirectly affected my opportunities of solvency. Hence, the only source of relief had overtly disappeared. 

I tried to communicate with your institution via email, however this method was not accessible to me ( account had been locked/closed ). I am enclosing a payment for the current month. Perhaps there might be other alternatives to maintain a good standing with your financial institution. My ultimate desire is to get this matter resolved. I know my credit has been hurt by these situations. I hope we can make reasonable arrangements, for instance : remove all finance fees and late fees in order to move forward. 

Lastly, I would like to thank you for your time and attention. I look forward to your response. 

Regards, XXXX XXXXCc : File

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-24
Company: Quality Loan Service Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
FORECLOSURE FRAUD against our HOME!!! PLEASE HELP!!! 
... .QUALITY Loan Service Corp XXXX the subject of CFPB Case File # XXXX - complaint against FORGED Foreclosure Instruments that led to the recordation of Notice of Default on XX/XX/2015 ... with a DEFAULTED Debt Validation Request dated XX/XX/2015 respecting the alleged debt on the Notice of DEFAULT.. 
NOW RECORDS a TRUSTEE SALE on XX/XX/2015.. -- -FORGED INSTRUMENTS, and ALLEGED DEBT that they FAILED to Validate pursuant to Federal and State Statutes. 
Snapshot of unlawfully recorded Notice of Trustee Sale, that is hinged upon a Notice of Default without legal or factual foundation : Document # XXXX XXXX/XXXX/2015 XXXX NOTICE TRUSTEE SALE XXXX, XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2015 XXXX NOTICE OF DEFAULT XXXX, XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: CHECK INTO CASH INC.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS ACCOUNT SHOWED UP ON MY CREDIT REPORT APPROX, 5 MONTHS AGO. I HAVE CONTACTED THEM REPEATEADLY TO PLEASE SEND ME COPIES OF THE PAPERWORK. I NEVER KNEW THIS ACCOUNT EXISTED. IT'S BEEN SIX WEEKS AND NOTHING FROM THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
State: MD
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:
I sent in a letter on XX/XX/XXXX due to the fact there was inaccurate and unverified information on my report. I have XXXX  the FCRA and it states that the company reporting my information has to report accurate information. These erroneous errors reporting on my credit report is hindering me from getting a job. These errors are blatant mistake and should be corrected asap. Your company is violating my rights and want these issures fix now. It has been way over 30 days thats I have disputed. Today mark 60 days and the law states these items need to be deleted. I never gave permission to report inaccurate information on my credit 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 non-monetary relief
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 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-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
This is an on-going problem affecting thousands of students that are now XXXX. The XXXX offers grant money to students who want to be XXXX in XXXX, but the loan servicer responsible for managing this grant ( FedLoan Servicing ) is rampantly abusing this program and wrongly converting thousands of grants into loans for their own profit to benefit scholarships for students in Pennsylvania. They are converting 80 % of grants into unsubsidized loans, and they are doing this intentionally. There has even been a XXXX investigation about this. There have been several articles written about this situation, XXXX of which include information about my specific case : Article 1 : XXXX XXXX XXXX 2 : XXXX XXXX XXXX 3 : XXXX XXXX A simple web search will also show you numerous XXXX / students complaining about being ripped off by this program with no relief. 

Facts in my case : 1. I perfectly fulfilled ALL the terms of my XXXX Grant, completing XXXX ( XXXX ) years in a qualifying subject area and a qualifying XXXX. 
2. FedLoan Servicing converted my XXXX Grant into a loan based on a mere technicality when they received my annual certification paperwork a couple of days late, despite the fact I had met all conditions required for this grant. 
3. FedLoan Servicing acknowledged in the XXXX Office investigation document XXXX XXXX pages XXXX ) that they did NOT provide the full 30 days required by law because they started the count from the time they dated the letter rather than from the time it was mailed or received by me. I received your letter two weeks after it was dated. 
4. They summarily denied my appeals in this matter with no explanation and would not tell me who conducted the reviews for these appeals or how they were conducted. 
5. In good faith, I repeatedly called and talked to a wide range of people and got nothing but the runaround and gruff treatment from their representatives. ( There are myriad stories posted online about people who experienced the same. ) After being assigned an ombudsman to help resolve this problem, the ombudsman did nothing to help and failed to return any of my phone calls. 
6. I believe they are deliberately converting XXXX Grants for profit and have no intention of honoring the spirit or intent of the XXXX Grant program. I believe they are committing fraud and theft under the thinnest veneer of legality. 

I have contacted my XXXX and a XXXX, and no one has been willing or able to help. There is something truly sinister happening with this. I am currently working to create a class action lawsuit about this. Please do n't dismiss this ... if the CPFB exists for any higher purpose, THIS is something you will find to be worth your time for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have several accounts on my credit in which I have asked the creditors to " validate '' their information. Validate if I was ever late, details when, validate if a debt was mine- I just keep on getting same response : nothing. my rights under FCRA have been seriously violated. law says if a creditor can not validate/prove in 30 days of my dispute, they must remove. I am writing to you about XXXX, XXXX, XXXX, XXXX, synchrony amazon, synchrony care and XXXX. I will give account numbers upon request.

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 2021-07-29
Company: Payday America Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Someone from payday loan agency is threatening me and harassing me saying they will come to my house and employment. 1st of all I'm unemployed 2nd they assume that I live in XXXX Texas. 3rd I never took out a loan. 4th I don't have time for fake people to be harassing me.

They have called me twice in one month XXXX They won't leave me alone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
XXXX, TransUnion, XXXX, Have not been updating my credit reporting every 30 to 45 days I do believe this is retaliation from me filing a complaint against all three credit book bureaus and I like this problem to be fixed immediately it is preventing me as a XXXX on business from receiving funds for my business. Someone has gone in and changed all my personal information on my credit report and continues to do it in the credit bureaus are failing to report it to the consumer that this is happening to such as myself. From months I have been trying to build up my credit score and the credit bureaus were fused to report my good payment history.

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 2016-10-06
Company: Equidata, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had recieved medical care and my insurance covered 100 %. Medical center radiology at XXXX hospital claim I owe them {$38.00}. They will not tell me what for and have malaciously put the false information on my credit report dropping it from XXXX to XXXX. I called the collection company EQUIDATA, and they wont give me an answer and claim i must pay it. Nothing in a hospital costs only {$38.00} and they cant explain where this charge came from. I think they do this to everyone to scam money. I called my health insurance and they said the entire claim had been paid and there were no additional charges submitted and are sending me an itemized statement. They are committing a crime and its affecting my credit reputation. It needs to be removed asap or im seeking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: TFS FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I would like for CFPB to publish my complaint, so that others in in my position would not have to incur the frustration and stress that I 've had to endure. My complaint is with Third Federal Bank. I am a XXXX XXXX year old women, with COPD. I 've have been trying to work with Third Federal Bank work with me to modify my mortgage. I was denied because I no longer bring the same income as I did when I was working. 
My first modification my mother was allow to assist me with money per month to add to to help with my income. But when my mother took ill her self, I went back into the hospital. I attempted to get another modification based on my income alone, seeing as though my mortgage was over have of my monthly income. I gave them all the information, they asked for and told them my mother was willing to to help me still monthly. I was told no, I did n't make enough money and that I needed, to just let my home go and look into a XXXX XXXX place. I have owned my home and have tried everything to hold on to it, for 14 years. I fear I 'm being pushed out of my home, I was told it was too late to too late to save it because. it went into foreclosure XXXX, XXXX 2016. Now I have no place to go, with XXXX 24hrs. a day, on a fixed income. Please Help ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: LEXISNEXIS
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:
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX DOB XX/XX/XXXX SS XXXX The following SS # is not mine XXXX please delete it! 
The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, KY XXXX I am currently XXXX  XXXX. Please remove the following employers : XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: EQUIFAX, INC.
State: NV
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 pulled my equifax credit report, and they have 3 collection accounts in my file, with absolutely, no creditor contact information, how do they get away with screwing the consumer like this. either i owe nobody, or i owe everybody, cant tell by looking at my report. i wrote them asking to remove these 3 accounts, # XXXX, # XXXX, and # XXXX to date they have refused, can anyone please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: VIRTUOSO SOURCING GROUP, LLC.
State: KS
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:
I am presently on XXXX and stationed at XXXX XXXX XXXX. In XX/XX/XXXX I came under XXXX to the state of XXXX. I then notified my apartment my non renewal of lease due for XX/XX/XXXX. I also call XXXX ( XXXX ) for cancellation of my utility, as i was moving my family from the state of XXXX to XXXX. Months later I began to receive collection letters, and harassing phone call from Virtuoso Sourcing group. A collection company based out from XXXX Colorado. 
I in turn reached back to both XXXX and XXXX and turned in all backing documents to show fraudulent billing. I sent them my hotel bills showing me and my family stay pending the readiness of my lease. I also sent them my XXXX on reporting date to XXXX. All this have been proved abortive and I am still been harassed everyday. The worst situation I am confronted with is their constant negative report on my credit. I am confronted with a situation of fraudulent billing and destruction of my credit worthiness.

Company response to consumer: Closed
Consumer complaint received 2016-12-03
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a bill from Ad Astra a couple of months ago, I called them and told them it was not my bill, I was told it was a XXXX taken online. I filled a police report, sent information to Ad Astra and XXXX XXXX that this was not me. Made several calls to each of them, filed info online with government agencies, etc. I 've never taken a XXXX. This is reflecting on my report. What can I do, someone took this in my name, it was not me. Ca n't they trace where the money went, obviously it did not go into my banking accounts. How can I get this cleared. Any help is so appreciated. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
My parents are in the process of organizing their estate and this spring they found 6 CDs that they forgot about. One was for my brother, sister and me and the last three were for them. They have matured and are quite old. I realize the bank ( TCF Bank ) is supposed to keep them for 7 years all the while trying to contact the owners of the CDs. Not one of us was ever contacted. I have been with the bank just about my entire life and my name has not changed, so there is no way they couldn't find me. 

My siblings and I have been to different TCF branches and have all hit walls. They say they have no record and there's nothing they can do about it. Clearly, we need to change banks. I asked TCF if they could tell me who escheated these or who is a part of that department and they continually transferred me to the wrong departments, even sending me to a collection agency. I have looked into the state ( Minnesota ) to see if they have it, but there's no record of any of these 6 CDs. I've looked at Missing Money and unclaimed property. I do this every two years for the past 20 years. Our last name never comes up with either of these sites. 

CD # 1 : {$500.00}, 12 % interest, matured XXXX CD # 2 : {$500.00}, 12 % interest, matured XXXX CD # 3 : {$500.00}, 12 % interest, matured XXXX CD # 4 : {$17000.00}, 15.319 %, matured XXXX CD # 5 : {$16000.00}, 11.767 %, matured XXXX XXXX # 6 : {$17000.00}, 8.665 %, matured XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Associates ( PRA ) has paid out millions in the past for violation against consumer 's on the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This is a fact that can be backed up by going into www.ftc.org website. Portfolio Recovery Associates ( PRA ) is in violation of my rights under both law as well. They are reporting a debt that they claim was acquired from XXXX XXXX Account # XXXX. XXXX XXXX stated in XXXX XXXX credit bureaus that the account was sold to Portfolio Recovery Associates, however there was never a legal notice of transfer by assignment rights of the debt, a strict requirement under FTC guidelines, FTC v. Portfolio Recovery Associates ( XXXX ). XXXX XXXX admitted that the initial first late payment was XXXX XXXX. Accordingly, XXXX XXXX, based upon the 7-year rule FCRA has deleted the above referenced account. Portfolio Recovery Associates ( PRA ) by extension from XXXX XXXX has without question the very same timeline on removal of the debt. The debt is no longer enforceable under collection guidelines within the state of New Hampshire. The evidence that Portfolio Recovery Associates does request has already been submitted, showing the legal timeline for removal, the connection to XXXX, and the deletion of all XXXX XXXX accounts across the board with all pertinent credit reporting agencies. XXXX did through its own internal investigation remove all XXXX XXXX accounts and the collection of PRA. Portfolio Recovery Associates ( PRA ) sent to me copies of invoices dating back to XXXX, and this was a major waste of time. The reported timeline on my credit reports by XXXX XXXX is the only item necessary to validate the removal date of the original account and any extension to a collection agency. PRA compliance people need to go back to school to fully understand the meaning of the term 7-year rule on the elimination of obsolete negative information. I demand my file purged and that the Federal Trade Commission through the Consumer Financial Protection Bureau sanction PRA for trying to re-age a debt already proven obsolete by XXXX XXXX and XXXX major credit bureau, XXXX. PRA needs once again be penalized for ongoing violations of FCRA and FDCPA against American consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company says they are Portfolio Recovery and calling me at work about a debt I am not familiar with. Continues to call after I requested they not call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent letters to Equifax Credit Bureau on the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : ( Original Creditor : Medical ) XXXXBalance : {$170.00} ( Original Creditor : Medical ) XXXXBalance : {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS.

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