BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-29
Company: Navient Solutions, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I went to University of XXXX in XXXX California from XX/XX/XXXX to XX/XX/XXXX. The location closed. My original loan was through Sallie Mae, then Navient and now Department of Education. I am now an income-based repayment plan which is been very low or zero and so Ive now I have accrued over {$20000.00} in interest in the last nine years. I didnt start making more than my loan until XX/XX/XXXX! 

Even the Department of Education is giving awesome repayment plans but it just keeps the interest stacking up. So I have got to pay it for 20 plus+ years before I get forgiveness unless I work for a nonprofit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: PREFERRED CREDIT INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Diversified Adjustment Service, Inc.
State: CA
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:
XXXX  has been non-compliant with removing the unverified account DIVERSIFIED ADJUSTMENTS which has been deleted by XXXX  and XXXX. XXXX   and XXXX have both completed their research and determined that DIVERSIFIED ADJUSTMENTS was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1. XXXX XXXX XXXX XXXX as Trustee for the Bebefit of the XXXX XXXX Asset Backed certificates, Series XXXX1 2. Specialized Loan Servicing 3. XXXX XXXX XXXX 4. XXXX 5. XXXX County Clerks Office 6. New York State Court,  XXXX New York 7. New York Bankruptcy Court, XXXX, New York I have been in a 12 year battle against mortgage fraud. I am facing an illegal foreclosure. 
The above entities along with their attorneys have relentlessly pursued me to illegally gain possesion of my home. Attached you will find evidence and facts.

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 2022-06-13
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Third party company has tried to take me to court about debt that I do not owe. In the beginning of XXXX, XXXX an invoice was sent out to LVNV Funding LLC in regards to violations. They responded by sending me documents of debt they claim I owed. On or about XXXX XXXX a debt violation, cease to desist letter, an affidavit of truth, and an invoice was mailed to the company certified with a green return receipt. I am giving them 30days to respond and do what I have asked them to do to clear this debt they claim I owe. The invoice was for {$35000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-24
Company: EQUIFAX, 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:
It's been well over 100 days since my first attempt and we'll past 30 days since my most recent to get this account verified. They said they would send me put my initial paper work in the mail and I haven't got anything. They 100 % have my correct address as well because I I everything I could to get this resolved and told them this. I've sent letters including some to the credit buros directly recently and I'm done waiting. SHOW ME MY SIGNATURE WITH ALL DATES SND AMOUNTS OR LEGALLY REMOVE IT. You already took it off my transunion report months ago because you agreed you couldn't verify it, you didn't take the time to do the other 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had several issues with this account. It is a store credit card for Victoria 's Secret. I spoke to their customer service team numerous times about an unrelated issue that ended with me requesting my account be closed in XXXX XXXX. I had one final balance due on the card which I paid for on XXXX XXXX, XXXX for {$60.00}. I then got a bill in XXXX which said I owed a late fee of {$28.00}. I was XXXX, but I paid that as well on XXXX/XXXX/XXXX. I was then charged XXXX for Account XXXX, as well as {$1.00} minimum charge on XXXX/XXXX/XXXX. I disputed this via secure message on my account site, as this account was supposed to be closed. I was then told that this was charge due to " purchases made outside a grace period ''. I have n't made a purchase on the card since XXXX XXXX so it made no sense. I again disputed this via secure message and did NOT pay the bill. I was then charged again for the same thing plus a late fee on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. My account was supposed to be closed, I should not be charged any fee or minimum amounts or late fees. This is ridiculous! I now carry a balance of {$3.00} on an account that should have been closed months ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-22
Company: EQUIFAX, INC.
State: CA
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:
Today XX/XX/19 I was notified by my loan officer that there is an account that is preventing me from getting approved for the home loan I want because it is in negative standing. I did some investigating because I have never opened an account with that company and I discovered that this account was opened by someone else without my permission. I never authorized anyone to open any type of account on my behalf nor do I know how he/she got ahold of my personal information but I have already filed a police report. I am not affiliated with this company in any way and I never allowed them to run or access my credit information. I did not benefit in any way from this suspicious account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Senex Services Corp.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have always been covered by XXXX XXXX XXXX   XXXX. The bill should have been billed to XXXX  instead of me. Ive called the company to try and get proper involve on how to get the bill to them and they have been unhelpful

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX the credit reporting companies. Calling them " bureaus '' only elevates their status to an institution, which they are not and should never be. 

I tried freezing my credit with TransUnion & XXXX, something I should n't have to worry about in the first place. Both online and automated phone systems are down, and TransUnion has begun obfuscating their freeze function in order to hock their XXXX security product, taking advantage of consumers. 

How the XXXX did this happen ... 

Step up you game, CFPB. I do n't seem many consumers being protected. Quite the opposite in fact. 

Please read the following to understand what hundreds of thousands of americans are currently experiencing : 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 2017-09-13
Company: EQUIFAX, INC.
State: WA
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:
Due to the security breach at Equifax and the amount of accounts that they have admitted have been compromised, it is mathematically guaranteed that my credit report history has been stolen. I feel that Equifax did not properly secure important information pertaining to my financial well being and also did not attempt to contact me about the security breach despite obviously having all of my information. In an attempt to secure myself against identity theft which I am currently assuming will happen, I have requested my credit reports from each credit reporting company before placing a freeze on my credit. I have not been successful in getting any report from either of the three companies ( Equifax, XXXX  and XXXX ). None of these companies have taken steps to further secure my financial security but rather have tried to ply me with further services that cost an additional amount including trying to charge me to place a credit freeze on my account without a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ENCLOSED IS A COPY OF MY IDENTITY THEFT REPORT SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTIONS 605B 615 ( F ) AND 623 ( A ) ( 6 ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE IDENTITY THEFT REPORT I AM PROVIDING

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 2019-09-03
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2016, XXXX XXXX XXXX reported a medical balance in the amount of {$2800.00} to all credit reporting bureaus through their collection agency R.S. Clark and Associates. 
This happened after repeated attempts by me to contact them about a procedure that was botched by the doctor. R.S. Clark and Associate sent several letters to me threatening to report it to the credit bureaus if not paid in full, which they did. 
I went in to XXXX XXXX office for one XXXX  on my knee and was talked into having 5 procedures on my XXXX  ( as a medical necessity according to XXXX XXXX ). He was paid over {$11000.00} for these procedures and during the last procedure ( which happened to be the only one I asked for ), he failed to completely numb the location or remove the XXXX XXXX ( which was XXXX ). I went back and told them and was ignored. I have before and after pictures showing no change, just bruising. I am not going to pay for a failed result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Identity theft. Fraudulent accounts. These lines of credit are the same account sold off to different debt collectors who are both collecting on the original bogus account. My credit rating and limits have been negatively affected by these accounts. My FICO dropped from XXXX to XXXX. I repeatedly contacted the original creditor who told me that the debt had been written off, and sold to a collection agency. LVNV Funding promised to remove the derogatory account off my credit report the moment I paid off the debt. I repeatedly called and contacted LVNV Funding at XXXX, and XXXX XXXX at ( XXXX ) XXXX, stating that these accounts were fraudulent and that they belonged to an identity thief who stole my information, and used my name to open up a line of credit without my knowledge or consent. These shady and unprofessional debt collectors still are demanding full payment on a fraudulent charge. Please investigate and intervene. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ENCLOSED IS A COPY OF MY IDENTITY THEFT REPORT SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTIONS 605B 615 ( F ) AND 623 ( A ) ( 6 ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE IDENTITY THEFT REPORT I AM PROVIDING

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2017-10-17
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was admitted to the emergency room back in XX/XX/XXXX and was treated for an illness and was released. I was sent a bill for the charges later on, however, due to my financial status the fees were waived after submission of my tax return, as I qualified for a waiver due to my income level. 
However, I was contacted by an individual, claiming that I owed {$490.00}, and was rudely instructed to make a payment before XXXX to receive a 30 % discount. When I explained that, it was waived due to my financial status at the time and I was told that physicians bills does not fall into the charity category, which I believe was a rude remark, when I never visited such a physician rather went directly to the emergency. I was never informed of such a debt for the past XXXX years and was never contacted by any physician 's office or the hospital for any claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
today, XX/XX/XXXX, I spoke with XXXX/ XXXX  about my forbearance and incorrect credit agency reporting. Asked them to correct the situation and was told they did not provide the information. 

During my forbearance my loan was reported as late for XXXX, XXXX and XX/XX/2020, when I made these payments in full. 

I have wrote to them today providing proof that my payments were reported as late for 3 months. 

I also cancelled my forbearance as I am unable to refinance my loan while on forbearance. 

Have requested my credit report so I can dispute this information but that will take 30 days. Unable to start credit union complaint online! unable to speak with anyone at Trans Union or XXXX. XXXX   requested proof of identity and would not start complaint. The questions they use for screening would require me to have my credit report in order to answer them. I have a XXXX XXXX  that has affected my memory.

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 2022-06-13
Company: Genesys National Recovery, Inc.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Hi. Im contacting you guys because a company is harassing me on phone and calling my Mom, about a GYM membership that i had and because of my injuries I cant go. They are calling me at work and got a warning and last week on Tuesday they call me XXXX times on my work shift and got suspended until my boss make a decision about that. I told them that. I want you to help me with. They even called my Mom and threatening her she is not even a co-signer. 

I will post all the phone call i got on my work hours

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: CONDOR CAPITAL CORP
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XXXX, I was made aware that Condor Capital had been forced to close their offices in XXXX due to predatory loaning practices. I then received a bill from Condor Securitization Trust, and was told to make my payments to them. In XXXX I began to suffer financial hardship as I found myself homeless due to unforeseen circumstances and began falling behind on payments. In XXXX I decided to move out of state and voluntary-surrendered my vehicle and this is where all of the frustrations began. After surrendering my car on XX/XX/XXXX, the company could not tell me the status of my vehicle. I requested further information on the location of my vehicle and never got one. They could never provide me with further information and every time I called I was n't given proper information. My car was auctioned off and I did not receive a notice of sale until after the sale was made in the amount of {$2500.00}, leaving me with a balance of about {$11000.00}. After covering the repossession fees only {$1500.00} of the sale was put toward my loan. I finally found work and wanted to begin making payments toward my loan. Since I had n't heard from the company I decided to reach out to them to try and work out a payment arrangement that was less than {$380.00} as I 've just started working and took a reasonable pay cut because of the area I moved to. They proceeded to tell me there was nothing they could do. I asked to be transferred to a legal department or collections department and was told they could n't do that. I was told I could make payments online and that my account was fine. When I went online, and tried to make a payment the site said I could not make a payment with a credit or debit card and needed to call them back. So I immediately call them right back and was transferred to this woman who claimed that my account had miraculously been transferred to the escalation department ( in the matter of 10 mins. ) and that i could only make payments via XXXX XXXX or XXXX XXXX. Then as I reviewed my account it says that my last statement created was inXX/XX/XXXX, but they claim they 've tried to get a hold of me to make payments, but I updated my account information with them when I moved and never received anything from them. Then the website says the last payment made on the account was onXX/XX/XXXX, but they claim I am 108 days late on making a payment. I am frustrated and feel as though something sketchy or unfair is taking place because the company can never give me a straight answer.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: VA
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 applied for a loan and these two credit cards showed up and I have never applied for these cards. XXXX XXXX {$840.00} and a XXXX XXXX for {$740.00}. I never had or used these cards and would like for them off my record. I do n't read well or use a computer. Got a relative to try and get this mess straight for me because Im old and do not use credit cards or order items. I m XXXX and XXXX XXXX XXXX XXXX completely. Not making excuses but I trying to get my point across.

Company response to consumer: Closed with non-monetary relief