BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: SUNRISE CREDIT SERVICES, INC
State: IN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I discovered the collection account that was opened from XXXX mobile and bought by Sunrise Credit Services, at the beginning of XXXX this year.They never sent me a letter or called me or anything to notify me ( probably because they didn't have my actual info since the only info they would've had has fraudulent and due to identity theft ). The collection account was opened back XXXX and the debt had been delinquent since XX/XX/2022 ( via XXXX dispute report ). I immediately had to look up a number for Sunrise because one had not been provided. Only my severely lowered credit score alerted me there was an issue. I called Sunrise Credit and they mentioned the account originated from the address XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, IN XXXX, a location I have never lived. They admitted it sounded like it could be fraud. I thought, bingo, and that they would do a proper investigation and get this off of my credit. Instead, the XXXX rep, who wouldn't give his name, wanted my credit card information in order to charge me {$1.00} to do an investigation. 
I pulled back saying that didn't sound right, he became slightly irritated and threatened me saying they couldn't help me otherwise. This was the only time I spoke with them. I have been disputing the collection via the credit bureaus since, filing police report and also with the FTC Identity Theft division.

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 2023-06-22
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2023-10-05
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
This is a situation that has gone from bad to horrific. A few years back I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This was not only physically devastating it was also financially devastating. Due to mounting debt we asked our mortgage provider ( freedom mortgage ) to grant us a deferment to regain our composure. The deferment was granted but when we were trying to reinstate our mortgage is where the true nightmare began. We were being passed around, lied to, and in my opinion purposefully misled for the benefit of the ability to seize or home. Though we experienced major financial impact due to XXXX we have a strong monthly income and resuming our monthly mortgage would not be an issue but they had started a avalanche of fees and missed payments that was impossible to recover from.

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 2022-09-14
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 my commercial loan consisting of 35 properties was transferred from XXXX to Fay Servicing. Within days of transferring, XXXX  requested proof of insurance for the 1 referencing property on this loan. My insurance agent complied and sent them proof for just the one property. What they actually wanted was proof of all 35 properties. Before he could send them, the loan was transferred to Fay Servicing. Also, XXXX force placed Insurance in the amount of $ XXXX. This totaled {$250000.00} ( 34 properties ). The loan came into Fay Servicing with an escrow deficit of {$250000.00}. 
I found this out mid XXXX of this year and since then have been spending days and days trying to resolve the issue. I was able to show proof to XXXX that I was covered for the time I had my loan with them. They have since credited my, now transferred, account. In that time I've communicated with many different reps over there. I documented all their names, email addresses and some phone numbers. XXXX and Fay Servicing both stated that they will not voluntarily communicate with each other. I have made it my mission to get this resolved. I sent Fay all the documentation I received from XXXX showing proof that the deficit has been credited. I also sent them names and emails of contacts I have communicated with, for this info. That was sent to Fay on XX/XX/XXXX. I also sent Fay all my insurance certificates for all 35 properties so they can do a new escrow analysis. I should be in the positive {$32000.00} in my escrow account on that 1 loan. They are still showing a deficit of {$220000.00}. 
I have called Fay many times since I have started this and nobody has any answers to why this isn't getting resolved. They just claim that there is no communication amongst all the different departments. ( escrow, commercial, insurance ). I'm worried because my insurance is due in 20 days and without receipt of the premium to my insurance company, I'm at risk of Fay force placing their own policy. Please let me know what I/we can do in order to resolve this issue. It shouldn't be this difficult to zero out a mistake. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: TX
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 a living human being, a natural person ;. I have rights under consumer law 15 USC 1681. Equifax is governed by 15 USC 1681 and have violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 ; I have the right to privacy. also, I have not given Equifax written consent nor permission to furnish these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Moved out of my college apartment early due to military orders. I have pictures of the conversation between the then property XXXX and I saying that all charges posted were to date in the payment portal, in addition to a copy of the receipt showing that I paid. 9 months later, XXXX XXXX randomly notifies me of a Derogatory Mark being placed on my account and I see my XXXX XXXX go down XXXX points for something I had no knowledge of due to poor communication from the apartment complex. After attempting to reason with the collection agency and work with the apartment complex, along with showing proof of my claims, nothing has been done. Also, after more communication with the apartment complex, its been discovered that they were reporting a false amount.

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 2023-09-20
Company: Frost-Arnett Company
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company provided the itemized bill and said the debt was validated, but they did not have records of the payments and did not accept our bank records showing the payments were made. 

In XXXX of 2021 I had blood work done, in XXXX of 2021 I received a bill from XXXX XXXX XXXX. I entered a payment arrangement with them and made {$25.00} payments in XXXX, XXXX, XXXX, XXXX, XXXX, and then in XXXX they took a little over {$13.00} in the automatic payment and then discontinued the payment plan. To me that means it was paid off. I didnt cancel the payments and I fulfilled my end of the agreement to pay {$25.00} a month until the balance was paid off. 

A few months ago we got a notice in the mail that the account had gone to collections and stating no payments had been made on the account. I disputed it, requested verification of all payments, sent bank statements showing two of the payments, and notified them of the violation to the FCRA in that XXXX XXXX XXXX sent the balance to collections without first notifying us there was an issue with their billing. 

From a consumer protections standpoint this appears to be fraud, as we made regular payments and they are claiming no payments were made. 

They sent an itemized bill on XX/XX/XXXX and said the debt was valid and they would continue collection attempts. I called them and asked about the payments we made, they said they didnt have any record. I asked them to pull up my dispute, they verified they had records of two payments but refused to continue the dispute, stop collection attempts, or request additional information from the original creditor unless we sent a record of all payments that were made. 

This is a third party with protected health information that was illegally sent by XXXX XXXX XXXX without a release of health information signed by me in violation of HIPAA, they have evidence that the debt is incorrect, even if just the balance is incorrect due to billing errors by XXXX XXXX XXXX in administering the payment arrangement and recording payments, and they are refusing to cease collection attempts or investigate the payments made. If there was a billing error on the part of XXXX XXXX XXXX, they should have contacted me to correct the error prior to going to collections. This cavalier treatment of my credit report is in violation of my rights under the FCRA. 

The fact that my payments were not recorded is evidence of gross negligence on the part of XXXX XXXX XXXX in the treatment of my financial information. Where did my money go? Did they apply it to another account? Did they likewise lose any of my protected health information that they so readily shared with a third party who couldnt even provide a phone number for XXXX XXXX XXXX? 

Please investigate these companies and help us with this illegal collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the FAIR CREDIT REPORTING ACT, Equifax has violated my rights. 
15 U.S.C 1581 Section 602 A states I have the right to privacy.

15 U.S.C Section 604 A Section 2, It also states a customer reporting agency can not furnish an account without my written instructions. 

I have disputed with Equifax the following incorrect Personal Information ( addresses ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX ALTAMONTE XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX placed on my credit Report, and Equifax has verified as accurate. 

These addresses are not correct and are reflecting negatively on my credit report as they are not deliverable to me by the USPS. The only and correct address I reside in and deliverable to me by the XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Experian Information Solutions 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, XXXX XXXX account # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Trans Union / XXXX XXXX has failed to provide verification of this. I don't even have a account number of this said debt. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2023-09-18
Company: DISCOVER BANK
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/ I sent discover Bank a letter asking for proof of contract provide me with a certified copy of an authenticated original contract with my signature. They have not done so under the frca all unverified accounts must be promptly deleted. By discover Bank publishing this inaccurate and unverified item on my credit report they are damaging my reputation and creditworthiness.

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence. Engelhard vs. Gravens ( MO ) 281 SW 715, 719,1 may presume that no proof of the alleged debt for therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX XXXX XXXX  sold me a vehicle. They went out of business XXXX days later. They failed to register the vehicle in my name. I have no plates. The company was taken over by a debt collection company Westlake portfolio management. I have been contacting them for XXXX days straight. I have been given XXXX different email addresses XXXX not being valid they have come back as can not send. Every time you get them on the phone they have a different story. They sent me a fake power of attorney to try and get another temporary tag. XXXX does not except that as valid form. I tried to tell XXXX this. They have had me send emails and transferred me to departments that dont exist. The title department told me in writing that they did not have my title. I can not register the car. I can XXXX XXXX the car with no plates. They have taken over XXXX of my money and I cant XXXX XXXX the car. I have contacted the better business bureau, the head of XXXX and the local senate. No one can help me. I dont know what to do.

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 2023-07-29
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2023 I received a Denial letter from Navy Federal informing me that I was denied my refinance based on " Property use does not meet occupancy requirements ''. I am requesting a further Investigation on this matter due to a conversation that I had with my loan officer. When I requested a change of person to take care of my loan, I got some resistance. I feel my documents & evidence were not fully disclosed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
IKEA promoted a deferred interest plan on the Comenity VISA card. I purchased over {$1000.00} of IKEA merchandise in order to make use of their 12 months deferred interest promotion, as advertised on their website and throughout the store. When applying for the card, the promotion was again mentioned. When I received my first statement in XXXX, I was charged interest. I immediately contacted the company and opened a dispute. Over THREE MONTHS later, I received a physical letter stating that they did not believe the promotion is valid. Since they refuse to honor the promotional terms, I demand they remove the interest charged ( {$89.00} ) from my statement. I will pay the remaining balance and close the card. I was instructed to call into their customer service line and ask for a supervisor, who refused to remove the interest. I have also filed a complaint with the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-14
Company: EQUIFAX, 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:
XX/XX/2023 XXXX XXXX violation of my rights by reporting to all the credit bureau of my credit account and inquiring, were they are shown also XXXX XXXX  has sold my information to a three party customer service company for pennies on the dollar. They have also reported to all three major credit bureaus as a charge off on my credit report. Which they have filed a 1099a & 1099c from in received payment of {$600.00} dollars + interest wages. Which states my debt is paid in full. I will like the charge off removed from all three credit bureaus immediately with a 30 day period immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent the collection agency XXXX XXXX a cease and Desist letter which included the law ( 15usc 1692c ) on XX/XX/2023. I received communication back that they received the communication on XX/XX/2023. But yet I am still receiving communication from XXXX XXXX. I spoke to a representative on today at XX/XX/2023 at XXXX XXXX  who verified they received the communication on XX/XX/2023. Also she updated the system. I also spoke with the original owner of this account lvnv Funding regarding this matter and they supposedly submitted a complaint up stated this action is unacceptable. I spoke to 2 nice representative regarding this unacceptable matter. They texted on XXXX XXXX, XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; and XX/XX/XXXX XXXX via text. Also XX/XX/XXXX via email. This is willful non compliance ( 15 usc 1681n ). They are harassing me and I'm stressed out this is causing emotional stress. This is real ridiculous and inconsiderate of this company and I think this needs to be handled accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
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:
On or about XX/XX/23 at XXXX am, I was notified by XXXX that CIT Bank made an attempt to access my XXXX credit report. The attempt failed because I keep my XXXX credit report frozen. 

I attempted to contact CIT Bank and they state they never made any attempt to pull my credit report. They suggested I contact 1st Citizens Bank. I contacted 1st Citizens Bank and they also stated they never attempted to pull my XXXX credit report. 

Either CIT Bank and / or 1st Citizens Bank are lying. XXXX told me that there is no doubt whatsoever that an inquiry from CIT Bank was attempted. 

Since I never applied for credit from either CIT Bank or 1st Citizens Bank and I never gave them permission to pull my credit report, they acted illegally and attempted to access my credit report without permissible purpose, in violation of the FCRA. The fact that they lie and claim never to have attempted to access my credit file makes it even worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023 Equifax started report me and countless other users as deceased. 
I feel that Equifax should be shut down as it has proven time and time again that it is unable to operate in the best interest of consumers.

Company response to consumer: Closed with explanation