BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-20
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX sold my XXXX mortgage to Nationstar Mortgage XXXX XXXX. I continued to pay on time every month, but on XXXX XXXX, XXXX I inadvertently discovered that Nationstar had increased my payment by 50 % without notifying me. I learned this when I went to my homeowners insurance website to pay my quarterly bill and discovered that my insurance was paid in full for one year. I then went to the Nationstar website and discovered that they had paid it ( unrequested and without authorization by me ), plus they are now requiring a {$540.00} " cushion '' in my escrow, plus there was an increase in property taxes for XXXX ( the last I was expecting but not the other XXXX amounts ). They averaged this total over only 8 months, increasing my payment from approx {$800.00} to more than {$1200.00} and never notified me, at all, ever. After XXXX reps who were clueless, I spoke with a supervisor in Nationstar escrow dept who kindly requested that this amount be spread over XXXX months, which would increase my payment by " only '' 25 % instead of 50 %. I was told I would receive documentation of our conversation which I have NOT received ; I called back on XXXX/XXXX/XXXX and was told I 'd have an answer by XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I made a payment for the additional funds that would be required for the XXXX % amount so that my account would be current already when the request is approved. I called again today, XXXX/XXXX/XXXX and was told I 'd have an answer in " a day or XXXX. '' Also today XXXX, I discovered a XXXX/XXXX/XXXX message to me on their website saying they are holding my on-time XXXX payment in suspense because it is not a full payment. This is raising red flags all over the place for me and I wonder if they are trying to get rid of XXXX mortgages for some reason. I understand how escrow works but particularly with the shady and seemingly arbitrary undertakings and no notice to me, I am fearful that Nationstar is trying to create an untenable situation and endanger my homeownership of 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: McCarthy, Burgess & Wolff, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Received cell phone call from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX on Wed, XXXX XXXX 2016. 

Call went as follows : Me : Hello? 
Caller : Hi, is XXXX there? 
Me : Who is calling? 
Caller : XXXX or XXXX? from ( inaudible ) - said while covering his mouth Me : From where? 
Caller : XXXX XXXX and XXXX Call was terminated at this point. 

The caller had very obviously covered his mouth with his hand to purposely obscure the name of the business so that the source of the call could n't be identified. 

That bears repeating. To ensure that I could n't hear who was calling, the caller covered his mouth when asked to identify from where he was calling. Nor did he mention that he was a debt collector. I had to come about that information by searching the name of the organization on the internet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are negative items listed on my credit report that are false. I do not owe these companies ( XXXX, XXXX ) any money. I want the negative items removed immediately. I have disputed this information with Trans Union several times, and they have not removed the false information. They also would not let place a statement on my credit report refuting these lies. Why are credit reporting agencies allowed to lie, and I have no recourse against them?

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 2021-04-21
Company: Bread Financial Holdings, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a agreement with Comenity credit XXXX XXXX credit card ) for a final amount to pay and close the account. Next month they add a fee and late fees on top of the unknown fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-28
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

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 2022-04-12
Company: Collection Bureau of the Hudson Valley, Inc.
State: FL
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 have received a letter from CBHV stating that I owe XXXX in an XXXX bill. I never in my life lived at the address I dont live in XXXX and never took out service in XXXX XXXX I take this matter very seriously and need this resolved ASAP. Also show me proof that I opened this account I have never in my life did any business with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
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 a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied for my annual credit report online through the FTC official website at  XXXX  and the  XXXX  credit reporting agencies I request a free credit report from refused to give me the opportunity to dispute an existing problem with over-char ges by two  institutions for a subsidize and unsubsidize di rect loan, perkins loans   plus there suppose to be in deferment status and TransUnion is reporting or posting the wrong information on my credit report. I tried to request a dispute and their webpage refused to meet my request. In addition, my complaint involv es two financi al institutions that serviced the student loans  XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX . I believe a direct loan check was cashed in my identification and I 'm being billed for the over-payment.

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 2016-09-21
Company: Bridgecrest Acceptance Corporation
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I looked up deferred payment on the wed site of Bridgecrest and call as asked for one. I was told they do not have a deferred payment plan at this time. I asked to be transferred to a supervisor and she told me I had to provide documentation before deferred payment could be provided. If a company has a deferred payment plan it should not require consumer to provide proof before even considered. Deferred payment only moves one payment to the rear and should not be hard to do when the consumer payment record shows no late payments or missed payments. I am a XXXX veteran and to see a company not provide services to consumers is unacceptable.

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 2016-07-10
Company: ZWICKER & ASSOCIATES
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collection firm, Zwicker & Associates, PC called at my place of business at odd hours, harassing me about an alleged debt. 

I spoke with XXXX XXXX XXXX XXXX who claimed to work for Zwicker & Associates and I had asked him to provide me with the proof of the alleged debt from XXXX XXXX to be sent to me by XXXX, which was never received. 

On XXXX XXXX, 2016 I responded to a message left with my answering service and called the number XXXX and asked to speak with XXXX XXXX. 

The company switchboard answered and did not recognize his named I am concerned about the harassment from this debt collector and their communication tactics as well as their misrepresentation about an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In Accordance with the Fair Credit Reporting Act XXXX 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 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C- States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit in the beginning of XX/XX/XXXX. I noticed a debt of {$1000.00}. ARS resolution trying to collect. On XX/XX/XXXX, I sent a letter to ARS account Resolution asking them to validate this debt by providing contract bearing my personal signature as well as procedures of service provided. On XX/XX/XXXX ARS resolution sent a letter that state the debt owe with no validation. On XX/XX/XXXX, I sent another letter : Failure to validate the debt- I receive a copy of the same previous letter. ARS resolution failed to validate the debt. 

I am asking for Validation, not Verification

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 2020-04-20
Company: Experian Information Solutions 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2017-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Every month captial one keeps charging me  XXXX  late fee because my dates are not on time. My min. payment is  XXXX . I called and asked whats the problem I closed the account and told them I 'm tired of fees that are more than min. I pay any where form  XXXX  to  XXXX  payments month ranging from $  XXXX  {$20.00} week so I pay more than min every month so they say the problem is I 'm  XXXX  due because the late fees keep adding up they have charged me almost {$200.00} late fees and have n't used the card in last 2 months so my balance just keeps going up. So this is my thought your saying i could pay consistent every month but because I do n't pay on time this company can just keep charging. So I did math lets say I keep paying the same amount every month that means every year they add {$420.00} to my account and If I never use the card they can do this. This is not right this is n't justice this is n't looking out for customers, but they could continue to profit for the next 2 years if I'am going to let them. The system does n't work it set up for the rich to profit off the poor to keep people down.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: TRINITY HOPE ASSOCIATES
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection Agency has reported invalid debt to credit bureaus. 
I contact the collection agency to determine what this debt was for and told it was for XXXX XXXX XXXX XXXX, a doctors office I had prior services from. I contacted XXXX XXXX XXXX ( XXXX XXXX ) and was told that they billed through XXXX XXXX Hospital and did n't have a record of this debt. I then contacted XXXX Billing Office ( XXXX ) who I have a monthly payment for over {$1500.00} of medical bills and I was told that although I did have open accounts with XXXX XXXX XXXX XXXX, none were for the {$28.00} being reported and that they had n't reported any of these debts as they were in good standing. I again contact the collection agency and asked for validation of debt. They never sent me anything. Definitely not a valid debt. Will also be contacting NY State Attorney General about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took a check and go loan out several years ago and was not able to repay. Around XXXX - XXXX I got to a point in my life where I was able to repay it. 

Fast forward to today. My mother received a call from someone claiming to be from XXXX XXXX Ohio courts, according to my mom, and asking for my information stating they are trying to serve me. She refused and forwarded me their info. I called in a panic believing they were with the courthouse. I do not live in that county. 

I called the phone number my mother gave me XXXX, and spoke with a different rep who advised me I had a debt from check and go for an unspecified amount, they would not specify the date, but said it was years ago. I advise I already paid this last year. They said they were trying to serve me to sue me in court over 3 allegations of unpaid debts. They wouldnt give me a real company name, the name I received was National. I assume they used this name to confuse people into thinking they are a government entity. They kept hanging up on me when I told them it was already paid and they will have to take me to court. I will be calling back tomorrow to get an address. I verified on my latest credit report I have a collection that was paid around XXXX of XXXX. 

There has been no contact by mail no notification of debt owed prior to this conversation. They jumped the gun and threatened with suing me without correct process of sending me some notification of attempt to collect debt. As well they have no business telling me mother theyre trying to serve me. They are trying to scare not only me but my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My credit acceptance account says late XXXX payments. That is not true. It was 6 months then there was a payment arrangement made with this creditor For XXXX per month from XXXX thru when the account was caught up. There was never a re written document to show with this payment arrangement I would be considered late for XXXX payments.

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 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have review my credit report to check accuracy and found out that a lot of account that I had no knowledge about are destroying my credit reputation and causing a lot of damage to my ability to obtain credit, these account are fraudulent and should not be in my credit, I what to request that these account be block from my credit immediately. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Unethical business practice. Unethical company. 
I had a few cards issues by Synchrony bank, the most recent just in XX/XX/2023. They are now closing all my cards with them, and the letter cited " not paying down my mortgage enough ''. My mortgage is current, every payment not only on time, but EACH payment included extra principle payment. I paid it down more than was scheduled, but this is the reason they gave for closing my cards. I can not pay them off on line now, but must call to make these payments so I don't default on them. 
Now they've harmed my credit rating, even though I was current with them. They damaged my credit and adversely affected my entire life, even though I WAS CURRENT WITH THEM. 
I hadn't defaulted on any of these cards, they were all current, but they closed them out and I don't have a valid reason for it.

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 2017-05-23
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried to fix my problems. I was under a high-interest rate that affected my ability to pay when I lost my job. I qualified for several loan modifications all denied because I did not make enough money to repay the loan modification and the repayment plan which was never accepted by the company. they made so hard to get the modification I eventually had to file for chapter  XXXX . I want the difference of interest rate repaid to me. and the outstanding amount that I became in the rears w ith of 35,000 while   waiting for help with my high-interest loan. the company messed up my credit and my financial situation in the long run.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: NJ
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:
On XXXX/XXXX/2022, I wrote Equifax and told them my father, and I have the same name and attached a copy of my ID and social security card to support the request that my name ONLY show on the report as XXXX XXXX XXXX. Here is the report sent to me where they asked me for the information already provided. I have very little confidence in their taking my concerns seriously! If my dad and I have the same name, what steps did they take to ensure that the inquiries were mine and not his? My guess is about as much effort as they put into seeing that I had already included the exact information they asked for and used not having it as justification to keep my report inaccurate and mix up my data with someone else 's.

Company response to consumer: Closed with explanation