BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-09
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:
I was a resident of an XXXX owned property for alleged monies owed in regard to a rental apartment. I was sued by XXXX XXXX these monies in XXXX XXXX XXXX and on XXXX XXXX, XXXX a Stipulation and Order for Payment with Judgment to Be Entered Upon Default was entered into between myself and XXXX XXXX. This matter was never turned over to a collection agency nor was any attempt to collect these monies ever made prior to the filing of this litigation. XXXX PROPERTIES ( a separate and unrelated entity from XXXX XXXX XXXX is incorrectly reporting this matter on my credit. According to the lawsuit filed, I do not owe money to XXXX PROPERTIES. In addition, this matter is being reported as a revolving collection account which is more than 180 days delinquent. The payments made on this account have been made in compliance with the XXXX 's XXXX attached hereto and have NEVER been late or delinquent, nor have I defaulted on any such payment. Neither XXXX XXXX or XXXX PROPERTIES have corrected this information. I have also disputed this matter with all three credit bureaus who have also failed to correct this information. I do not owe monies to XXXX PROPERTIES. This account was NEVER past due, delinquent or defaulted upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I requested this company to CEASE ALL ORAL communication and only contact me VIA snail mail or email ... They continue to call and violate my rights repeatedly by harassing me via Telephone calls to myself and family and friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Fay Servicing, LLC
State: AP
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Fay Servicing has engaged in unfair and improper lending practices by scheduling foreclosure on our property but has refused to provide the specific dollar amount needed to cure the default, thereby making it impossible for owner to make settlement to avoid foreclosure. 

Fay Servicing has also made no good faith effort to investigate owner 's contention that original loan was improperly transferred by XXXX XXXX XXXX ) since it was XXXX of the loans that was part of the National Mortgage Settlement between XXXX and the XXXX XXXX XXXX. 

Fay Servicing has engaged in false and misleading practices by failing to fully disclose all costs expenses and charges included in proposed trial modification, as well as full terms and conditions of permanent loan modification. Fay Servicing also failed to disclose that proposed loan modification would create a negative equity situation for the owner. 

Fay Servicing failed to fairly and properly evaluate owner 's eligibility for XXXX programs established to assist distressed borrowers, and instead insisted that lender 's proprietary loan was the only option available.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
IN REGARDS TO : CONNS CREDIT CORP : XXXX XXXX XXXX XXXX, TEXAS XXXX ; I SENT A CERTIFIED LETTER RECEIVED XXXX XXXX 2017 BY AGENT XXXX XXXX THROUGH USPS. I REQUESTED THE VALIDITY OF THE 2 ACCOUNT DEBTS THAT APPEAR AS DUPLICATE ACCOUNTS. I KNOW NOTHING OF AS THEY ARE REPORTING. INFORMED THEM THAT IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY THEIR COMPANY DURING THE IVESTAGATION OF VALIDATION WOULD BE A VIOLATION OF THE FAIR REDIT REPORTING ACT. IN WHICH THEY REPORTED A FEW DAYS AFTER RECEIVING MY REQUEST OF VALIDATION TO VERIFY MY PROOF OF BURDEN. I HAVE NOT RECEIVED ANY CORRESONDENCE LETTERS FROM CONNS CREDIT CORP YET. I 'VE GROWN TIRED AND VERY ANGRY WITH THE WAY I 'VE HAVE BEEN TREATED BY CONNS CREDIT CORP. THEY HAVE VIOLATED ALL FAIR CREDIT REPORTING PRACTICES. MY NEXT STEP IS TO FILE WITH BBB, FTC, ATTORNEY GENERALS OFFICE, TEXAS COMPTROLLERS OFFICES AND SO UNTIL THE MATTER IS RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have that much information because it is at the beginning stage. I received a call from XXXX XXXX XXXX. Stating that i had an unpaid credit card from XXXX XXXX XXXX, and now it is in the collections stage. They said it was opened in 2015 on XXXX XXXX. This was the only information i received from them. After stating i was not going to confirm or deny any of my personal information over the phone they stated they would remove my number from the account. After I got off the phone i contacted the bank directly. I had them look up any information associate with my name and they could not find any such information. This company had my social information, but incorrect birth date and incorrect address. I looked at my credit report and no such charge was stated or occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX - XXXX XXXX. 
XXXX charged {$11000.00} for XXXX classes when I enrolled in the XXXX program Within a month, the recruiter was no longer with XXXX and I continue trying to earn good grades. I dropped out when they tried to hitch me to another {$10000.00} loan. I never seen XXXX dime. I was told, they split that loan into XXXX private lenders. Since then, a XXXX loan has turned into XXXX and I 've been SCAMMED over and over with callers from Nevada and California claiming I could settle this XXXX payments of {$330.00}. In XXXX XXXX I sent Alumni Aid Assistance {$330.00} and documents and emails I sent to XXXX regarding their unfair practice. XXXX what happened after I sent them the money, their phones are no longer in service. XXXX - http : //XXXX/. I thought this was a good company. A man named XXXX XXXX gave me his cell phone number and even that has been disconnected. 

What 's more 3 years ago, another company said they could not take cash or check so I went and got a XXXX XXXX and sent them almost {$3000.00} dollars but my loan balance with Navient is getting higher and not lower. All I wanted to do is get a XXXX with XXXX and pay off this debt. Now, I want to file a law suit with XXXX and Navient. A loan this old does not sound like XXXX to me. I need your help CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: EQUIFAX, INC.
State: NC
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:
XXXX, XXXX, Equifax, continue to report an inaccurate account on my report per the attached letter please assist in removing immediately as stated per FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
All Credit Bureau reporting companies including Transunion, XXXX and XXXX are not doing the public fair service. They make up false statements about a persons ability to pay back the unsecured loans. The Banks offer all kinds of credit when you dont have anything borrowed and then squeeze the door shut and blame it on the Credit Unions. If you know anything about the Mortgage Backed Securities fraud during XX/XX/XXXX-XX/XX/XXXX Financial crisis the CREDIT AGENCIES FALSLEY RATED THESE SECURITIES. So the same thing is happening to consumers and I want an thourogh investigation into this practice. XXXX XXXX XXXX is responsible for some of my anger and have opened up an investigation of their own underwriting practices # XXXX where I tell them that I have a $ XXXX/ month income with a current Credit Card debt with payments of approxiamately $ XXXX/ Month and when asking for a credit limit they come back with false excuses on how they can not even temporialy raise my credit limit. 

This in itself is FRAUDULENT and UNETHICAL. 

Please call them on my behalf.

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 2017-10-09
Company: EQUIFAX, 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:
I have tried XXXX times through the dispute option on all my credit reports to remove XXXX XXXX x XXXX XXXX late reports from XXXX, the Ed/Gov funding for college loans from my reports. On my credit report under derogetory information it shows late payments XXXX late payments for each account. XXXX been on loan deferment since XXXX. On my list of accounts in good standings it shows never been late. I need these deleted so I can find a new apartment and get phone service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was told that forbearance would stop my interest from accruing, which Navient told me upon setting up forbearance, in return my loans have gone up thousands of dollars since I have entered forbearance as well as deferment. No one ever discussed options for repayment including IBR. I am getting no where with Navient except threats that now I will be forced in default is I can not make the required {$500.00} payments and I am currently unemployed to boot. I am considering bankruptcy at this point my loans are {$49000.00} for an XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the third complaint I have had to file with the CFPB against Flagstar Mortgage Company. Two late fees in the amount of {$90.00} were assessed and were reversed. Flagstar agreed to reverse the late fees due to their error in placing a stop payment on funds they withheld from me from my insurance company to cover costs of major water damage. However, when I refinanced and Flagstar calculated my payoff, Flagstar applied the two late fees once again and charged me {$180.00}.

Due to the interest Flagstar charged me for my loan, the interest calculated at the same interest rate from withholding the {$39000.00} for six months should be reimbursed to me. Attached is a calculation of {$440.00}. 

The funds in my escrow account as of XX/XX/2021, at the time the loan was paid off was {$3000.00}. This needs to be refunded to me immediately. Flagstar is currently involved in a class action lawsuit regarding interest on escrow, further demonstrating the fraudulent practices of their company. 
http : //www.flagstar-interest-on-escrow-class-action.com

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 2021-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I noticed on XX/XX/2021 that unauthorized charges were appearing on my transaction list and I called my credit card company and advised them. We identified transactions between the XXXX and XXXX that I did not do. During those dates I made one transaction in which I informed them of. About 45 days later I was sent a letter stating my dispute was denied. I then appealed the dispute and received another denial stating it was denied because I was either with the person who used it and or my pin was entered in which I have never used a pin for my credit card. This is definitely a valid fraud case that has not been investigated correctly. They day of me appealing the customer rep advise me because I had the card on my phones digital wallet they were not able to determine if the phone made the transaction or the physical card. The bulk of the charges show coming from another side of town that I dont live or go to.

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 2021-08-29
Company: Experian Information Solutions Inc.
State: MT
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:
Experian credit company won't delete a Bankruptcy that is on my report. It has been removed from my other two credit reports and they agreed to remove it from this report and haven't. Its holding my credit score down and costing me more money in credit due to this problem. Can we please have them erase this Bankruptcy on my Experian report. 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 2017-10-09
Company: Collection Bureau of Kansas, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My Complaint is against the Collection Bureau of Kansas who also goes by the possible alias? of XXXX XXXX XXXX Attorney at Law. I have been having trouble with that office for years ie complaints to XXXX, BBB, local courts and now have taken a step to contact the Missouri Attorney General as well as the Kansas Attorney General. The complaints are from a-z ie continuous and overwhelming phone calls from that office a few years ago to now having a judgement on my credit that has now effected my opportunity to get a lease on a townhome. I decided I would submit another complaint through here in hopes to help other families that he has had a negative impact on and to hopefully draw in an investigation on what goes on in his office. I have been in communication with his office too and have had very poor Customer Service as well as dishonesty and a hint of corruption. His office says they do not buy debt but XXXX XXXX XXXX ( XXXX ) who is now XXXX XXXX ( XXXX ) says he bought the debt when the hospital was bought out and it is out of their hands to help. I would like to see an investigation into this company and its practices. There are so many details I could share via documents, notes from conversations and emails that point to an office that is causing more questions than answers. His office has now garnished more than the original amount owed too. Is there not something that CPB can do to change how Medical Debt is handled and how collection agencies like the Collection Bureau of Kansas aka XXXX XXXX XXXX operates or if he can even legally operate in this way?

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 2017-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery continues to call for three months now trying to locate someone that does not live here. They continue to call. I block one number and they switch to another number to continue calling. I do not owe them or anyone associated with them any debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09
Company: GREAT LAKES
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I 've been receiving calls from : XXXX XXXX XXXX https : //XXXX Direct Line : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Processing Dept : XXXXXXXXXXXX Customer Service : XXXXXXXXXXXX Customer Service : ( XXXX ) XXXX She attempted 4 times to reset my FSA ID and requested me to give her my password and login information, when I told her I felt uncomfortable giving this information, she said " I have no desire to steal your identity '' ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding LLC at XXXX XXXX  XXXX XXXX, SC XXXX has been sending me collection notices in the amount of {$920.00}. This collection has been reported as past due. I do not know this company nor have I ever done any business with them. LVNV Funding LLC does not have a contract with my signature and I do not owe them a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX / ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
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 disputed the alleged debt with XXXX XXXX XXXX on my credit report with Transunion on the following dates : XX/XX/XXXX2017 ; XX/XX/XXXX2017 ; XXXX XXXX, 2017. Each time, I requested that under the Fair Credit Reporting Act, 14 U.S. Code 1681g, Transunion or XXXX XXXX XXXX disclose to me all of the documentation that retained in the file at the time of my request concerning the account listed don my credit report. Several months have gone by and XXXX XXXX continues to report inaccurate information on my credit report without sending proper documentation that the account is in fact my debt. This is a direct violation of section 609 and 611 of the FCRA. In addition, Transunion has failed to protect me as a consumer and has not followed the proper guidelines to verify debt on my credit report. My last letter specifically addressed to XXXX XXXX, requested full validation of the debt, and I was not provided information pursuant to my request. This account must be removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: North American Credit Services
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have gone to the hospital and advised them that this is not my bill I have never been to there hospital and definitely have no reason to visit hospital. Now I have this collection agency attempting to collect from me for an emergency room visit I did not do, however I have called my insurance XXXX XXXX to advise them that they paid on a bill that I did not incur my purse was stolen at XXXX Mall approx. XXXX week prior to this visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coin base is holding almost {$4000.00} of my money. Multiple times Ive tried to access my account and their website is not functioning properly in order for me to be able to do so. Ive contacted their support to bring this issue up with them and theyve only advised methods in which I do not have access to. Ive contacted support multiple times to address this concern considering the circumstances, with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: CL Holdings 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:
This account was a XXXX account that I opened, paid and closed all more than seven ( 7 ) years ago. I have disputed this item for years, and it will not go away, even though now it is timed out. 

The dates listed are incorrect. This account was opened, closed and ( falsely ) labeled delinquent more than seven ( 7 ) years ago.

If this complaint fails to resolve the issue, I will be forced to file suit to have it removed, and will do so. 

I appreciate any help you can provide. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief