BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-24
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX twice XXXX XXXX XXXX XXXX  attorney general XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same with the inquires all the accounts are not mine

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 2017-04-12
Company: Pinnacle Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was paid directly to XXXX, under a separate account and bill was sent to my home directly.i was told by XXXX that I could n't put XXXX in my home unless I made payments on the outstanding cell phone bill so for months I paid XXXX XXXX bills to satisfy this debt. I have called XXXX and pinnacle the company who has account and have gotten no where. I need this off my credit report as I do n't owe it. 
Thank you

Company response to consumer: Untimely response
Consumer complaint received 2017-04-13
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the past two years, I have over paid into my escrow account and have not been sent the overage amount. I have also over paid on a few payments do to late charges, yet the late charges have not been removed after processing the payment. For instance, if I double my payment and add the late charge, I still have {$120.00} unaccounted for. Although my insurance and taxes are the same, and I over paid into the escrow, my escrow payments went up almost {$30.00} a month. I have paid extra on a few payment only to have the monies diverted from the late fees. How can I make the full payment owed only to have the {$170.00} late fee ( Do n't know how they came up with this number ) added to my next statement as well, so when they get the extra monies, it will be added anywhere but to the late fees. I am tired of Ditech doing what they want with my fixed rate mortgage..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: Navient Solutions, LLC.
State: MI
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:
Navient XXXX, 2021 Listed 6 /90 day late Payments missed under the Cares act. 
It was my understanding that the student loan Payments were on pause. I quickly notified Navient when I seen the late payments. 
One loan, placed 6 times. 
During this time Iost my Daughter on XXXX day, I couldn't think straight for months. Finally looking into the student loans I got everything straightened out but it has put a black mark on my credit score. I never been late. I sent a letter to the credit agencies and disputed. They sent no proof. I then contacted Navient and they wanted a dispute letter. This is wrong during a national pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV Funding LLC is reporting 3 different Date Last Active. 

XXXX reports XXXX XXXX reports XXXX XXXX reports XXXX This is in Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been a victim of identity theft and I have XXXX fraudulent collection accounts that is on my trans union credit report. I filed a police report and submitted to the company as I was told to do once I found out about these accounts. I was told once they received the police report that the accounts would be deleted off of my credit report. I sent in my police report and then I called to check to see of they got it, now the supervisor is telling me the only thing they can do is redispute the account. The company are not sending documentation that these accounts are mine, they are only verifying through an electronic data which has my information. NO signed contract no agreement that these accounts are mine not anything. They are not holding up their end of the agreement and I am being accused of something I did not 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 2017-04-17
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
HUNTER WARFIELD DID NOT PROVIDE VALIDATING PAPER WORK STATING THAT THERE WAS A DEBT OWED ON MY BEHALF. THE INFORMATION THAT WAS SENT WAS A LEASE AND AN ITEMIZED STATEMENT OF CHARGES WITH NO RECEIPTS OR PICTURES TO PROVE THAT THAT THERE WAS A DEBT OWED TO ORIGINAL CREDITOR. ALSO THE PAPER WORK THAT THEY SENT DID NOT HAVE ANY VALIDATING SIGNATURES FROM ORIGINAL CREDITOR PLUS NO RECEIPTS AND NO PICTURES THAT WAS ORIGINALLY REQUESTED. HUNTER WARFIELD KEEPS REMOVING THE ACCOUNT AND REPLACING BACK ON MY CREDIT REPORT WITHOUT ANY VALIDATION PAPER WORK OR PROOF AND LEASE AND ITEMIZED STATEMENT IS NOT VALIDATING ANYTHING

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance $ XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/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 non-monetary relief
Consumer complaint received 2017-04-14
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I try to make sure that student loan account is current whether employed or not. I was not employed at one point encouraged to fill out for a forbearance period ( instead of a deferment so that I was not responsible for the interest accrued due to not having a job ). I was approved for the forebearance for 12 months. 3 months later I was contacted for a payment ( according to them I called but they refuse to let me hear the recording ) asking for a payment. I told them I could not afford to make a payment and was encouraged to make fill out for a IBR. They rep told me since it is income based and I have no income that I wouldnt have to make any payment. There was no mention that my account was still in forbearance which meant I didnt have to make a payment anyway. Turns out at the same time I was using forbearance time as well as under the IBR plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
My creditor is using abusive collection tactics. I told them I am in the process of filing a bankruptcy as recommended by a consumer credit counseling agency. The company then tried to demand payments and told me they would potentially refer me to their attorney for further collections. The lady I spoke to was very rude and very much not understanding of the situation. She made several threatening and intimidating statements during the call including that calls would possibly even continue while I am in bankruptcy and that they may conduct a review of my income and assets for dealing with further collection of this {$800.00} debt. I informed this person I barely had enough money to pay for my food and prescriptions and that my income had been greatly reduced. She kept pressuring me to make a payment. I told her my bankruptcy would be filed in the next two days and I did not have money and she just kept pressuring me to pay her. She really frightened me to the point where I was afraid she was going to keep calling during a time when she should n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: EQUIFAX, INC.
State: LA
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$6800.00} XXXX XXXX Balance {$780.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX Inquired on XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: Nationwide Recovery Systems, Ltd
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, a balance of {$1100.00} appeared on my credit score after being acquired by Nationwide Recovery Systems in XXXX, TX. This balance is for treatment I received from XXXX XXXX XXXX XXXX years ago after an injury while on the job as a XXXX XXXX for the XXXX XXXX XXXX Kentucky at XXXX XXXX XXXX XXXX in XXXX, KY. 

My complaint is twofold. Firstly, I have attempted to contact XXXX XXXX XXXX at the email address XXXX, which is listed on the " Contact Us '' page of their website, for a debt verification letter. I sent this address a message asking for the debt verification letter on three separate occasions, once on XX/XX/2021, again on XX/XX/2021, and a final time on XX/XX/2021, and each time these messages were met without response. Failure to send me this letter would be in violation of the Fair Debt Collection Practices Act. 

Secondly, in the event that this debt is valid, it should still fall under Workers ' Compensation as I was working for the XXXX XXXX of Kentucky during my time of injury, and thus, not be my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Experian Information Solutions Inc.
State: MI
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:
Following a complaint, XXXX XXXX XXXX agreed, in writing, to remove a charge off notation on my credit report files ( letter attached. ) It has corrected with two of the agencies, but Experian has not removed the notation. 

I attempted to dispute online and was unable and have had no success with calling Experian.

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 2017-04-14
Company: TD BANK US HOLDING COMPANY
State: HI
Product: Credit card
Issue: Payoff process

Complaint:
My target credit Redcard was a few days past due so they turned it into their collection agency which is only open during certain hours and days. I live in Hawaii and I called at XXXX on XX/XX/XXXX. after being on hold for a while with Target customer service I finally got through to an agent because using the automated pay system was n't working after I tried three different times. I finally got a hold of a customer service agent and they told me I had to speak to a different department in collections. I was placed on hold and waited for another five minutes with hold music but no one came to the phone. Then I was disconnected. I called back again and waited again another XXXX minutes to speak to a customer service agent and I explained what happened. they said that the collections department had closed at XXXX Central time and they will not be open tomorrow because it 's a holiday - XXXX. I asked for a supevisor thinking that they could access my account but no change in attitude. She ( manager ) said they would be open again on Saturday and that I would have to call back during business hours on Saturday. I told them that I was ready to make the payment and could they please accept my over the phone payment or online payment and they said no because my account information was no accessible. I could not find anywhere in the Target Card Agreement where I was restricted on paying off a late invoice to Target unless through collections. I had been traveling in XXXX and overlooked that months payment so I usually have a good credit history. I felt this was unfair treatment for a consumer to deny receipt of payment! Consumers ought to have the right to pay online or by phone to pay their credit cards, especially if they are behind and do n't want to accrue additional fees or interest. Please address consumers rights on this matter so this does n't happen to others in a similar situation. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ORGANIZATIONS LISTED IN MY ATTACHMENT BELOW DID NOT RECEIVE WRITTEN PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT FROM ME. REPORTING LATE PAYMENTS, CHARGE OFFS, AND ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND WHICH IS FRAUD ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). THESE ORGANIZATIONS HAD NO PERMISSIBLE PURPOSE TO PULL NOR FURNISH MY CREDIT REPORT. I DID NOT GIVE MY WRITTEN CONSENT WHICH IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.

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 2021-06-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
FOR THE TIME BEING, THE ONLY INCOME I AM GETTING IS UNEMPLOYMENT BENEFITS AND I HAVE SENT SELECT PORTFOLIO DOCUMENTS OF THE PAYMENTS I GET AND WILL GET UNTIL XX/XX/XXXX. THEY HAVE REFUSED TO ACCEPT THESE DOCUMENTS AND PROCEED WITH ASSISTANCE IN THIS HORRIBLE TIME INSISTING THAT THE ONLY DOCUMENT THEY WILL ACCEPT IS AN AWARD LETTER FROM ILLINOIS DEPARTMENT OF EMPLOYMENT SECURITY. I HAVE TRIED TO EXPLAIN TO THEM THAT IDES EITHER NEVER SENT SUCH A LETTER THIS YEAR OR SENT IT BUT PROBABLY TO THE ADDRESS OF WHERE I RESIDE RATHER THAN MY POB THAT I USED WHEN I FIRST FILED FOR UNEMPLOYMENT BENEFITS XX/XX/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 2020-06-21
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing at this time to once again request that you address a complaint regarding my mortgage company, Specialized Loan Servicing, LLC ( SLS ) that I initially brought to your attention on XX/XX/XXXX. The case number for that complaint is XXXX-XXXX. I provided you with extensive documentation to support my complaint that you appeared to completely ignore. When you contacted my mortgage company, it responded by tossing-up a smoke screen full of irrelevant information that you readily accepted, and then closed my case. I responded to my mortgage company 's response, which made absolutely no difference to CFPB because nothing was done. When I again contacted CFPB to request that you address my complaint and the mountain of information that I provided, I was told that my initial case could not be reopened, but that I was welcomed to open a new complaint. Therefore, I am doing exactly as CFPB suggested and submitting yet another complaint. 

If you read my initial complaint, you will see that I filed the complaint because Specialized Loan Servicing purchased a hazard insurance policy for my home without my permission, although I have repeatedly informed the company that I have a policy. SLS also created an escrow account for the hazard insurance that it purchased, again without my permission, and has attached it to my mortgage. I refuse to pay XXXX XXXX  for the policy that Specialized Loan Servicing purchased because as I have repeatedly stated, I have my own policy. 

As I stated in my original complaint, I have provided Specialized Loan Servicing with the Declaration Page for my hazard insurance on multiple occasions and I should not have to continue to do so because of its poor record keeping. However, to bring this matter to a close, I am providing you with the Declaration Pages for my hazard insurance policy from XXXX to the present, which my insurance company readily provided to me upon my request. My hazard insurance provider would have done the same for Specialized Loan Servicing, if it had ever bothered to do its job and simply requested the documents. As you can clearly see, I currently have a policy and I HAVE ALWAYS MAINTAINED A POLICY. Contrary to Specialized Loan Servicing 's repeated lies, my policy has NEVER BEEN CANCELLED.

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 2017-04-11
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I applied for a banana republic credit card when I went to XXXX to buy some clothes several months ago. As I and my colleges remember, I apply for the credit card just because we can get a discount ( like 15 % discount ). We did n't really make payment through the credit card because we made payment by using other cards, not to mention the banana republic card has not been issued on spot. 

Surprisingly, after several months, the staff of Synchrony Bank called me for several times and also send me emails to remind me that I have to make a payment for their credit card. At first, I did n't pay attention to these emails and calls, and I suppose they just made a mistake and it has nothing to do with me since I have neither received the banana credit card nor use the credit card to make a payment. Then, I received email again, and out of caution, I call them back to figure out what has happened. The staff told me that I have to pay for XXXX dollars or so. Actually, I did n't hear them very clearly, but to avoid any possible trouble ( It 's the first time I come to America and I really do n't want to be involved in any trouble ), I just made a payment on Synchrony Bank 's website using my XXXX card. Also, the staff told me that all I need to do is to pay for XXXX dollars, and they will not call me again. 

Recently, the Synchrony Bank 's staff called me again to ask for a payment ( XXXX dollars or so ), and I 'm really unhappy and fear that they just keep an eye on me and try to extract as more money as possible. I ask them why they call me again since I have n't received the card, I never used the card, and I have paid to them several months ago ( as I have said above ). Again, to my surprise, the staff told me that I have to pay them XXXX $ per month, and I even did n't know this rule! Also, they have never told me that I have to pay for XXXX $ per month. Otherwise, I would never apply for their credit card when I go to outlets! It 's totally unreasonable and unfair. So, I think the banana republic credit card and the Synchrony Bank 's behavior is something like financial fraud. In this case, I decide to file a financial complaint online. I will try to demonstrate that I have paid them XXXX dollars out of no reason, and I will not pay XXXX $ to them again because they really deceived me on this issue. Furthermore, I am not sure if any other residents in America have been involved in the troubles triggered by the Banana Republic credit card and the Synchrony Bank. So, please help me and make it clear why they can unreasonably charge for XXXX $ per month just for the annual fee or something like that. If possibly, I also want them to give back XXXX dollars to me. 

I am a newcomer in XXXX, and my XXXX is poor. If you have trouble reading this complaint letter, please understand me and give me some support. Thank you very much!

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 monetary relief
Consumer complaint received 2021-12-12
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: Information belongs to someone else

Complaint:
Pursuant 15 USC 1681b ( 2 ) - permissible purposes of a consumer report, I never gave any consumer reporting agency any written consent to report XXXX XXXX or XXXX XXXX on my consumer report. No consent is identity theft. Both XXXX and Equifax are in violation of my consumer rights according to the FCRA.

Company response to consumer: Closed with explanation