BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-28
Company: GUARANTEED RATE INC.
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX we received our monthly statement along with the Escrow shortage statement from Guranteed XXXX. Our payment was at {$1600.00} last year so when we received the shortage statement of {$330.00} we paid that with our payment on XX/XX/XXXX. It noted on the receipt the payment was received and the {$330.00} would be credited to the escrow account. We received XXXX 's statement which did not reflect the Escrow shortage amount we had paid and had gone up to {$1600.00}. XX/XX/XXXX I called the lender but no answer, I called again XX/XX/XXXX and again no answer. I called again XX/XX/XXXX and again no answer. I paid our payment late at this point because I could not get a hold of anyone. I called again XX/XX/XXXX and a guy finally answered but said they were having IT issues and could not help me, I called again XX/XX/XXXX and spoke with a woman who said she would get the issue fixed but wait until XX/XX/XXXX to make the payment. On XX/XX/XXXX we received a new mortgage payment of a shocking {$1700.00}. The payment increased it did not decrease like it should have. I am suspecting they subtracted our escrow payment twice or more. On top of which the payment went from {$1600.00} in XXXX to {$1600.00} in XXXX which does not make sense to begin with. Even with the escrow shortage the payment should have only increased to {$1600.00} a month not up to {$1600.00}. But again no one can give me an answer on anything. As a consumer I need to get this fixed as this is an annual occurrence of which we fight every year. Last year it took 3 months to get fixed and the following year it took 9 months to get fixed. This is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: ACIMA CREDIT, LLC
State: CT
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:
XXXX XXXX Name XXXX XXXX XXXX XXXX ___XXXX XXXX XXXXXXXX Town XXXX State, and Zip Date XXXX XXXX XX/XX/XXXX XXXX To : _____Whom It XXXX Concern _____________ RE : Notice to Correct Credit Report Dear ___Sir/Madam_______________ Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Acima XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX  XXXX XXXX XXXX XXXX XXXX __________ XXXX ______XXXX XXXX XXXXXXXX Town XXXX XXXX and Zip XXXX Social Security No XXXX Date of Birth

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi Equifax has enter a secure loan if mines twice. The company name is XXXX XXXX and XXXX XXXX XXXX. This is one acct, not two loans. I tried to solve it but didn't get any where.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
While at work on XX/XX/ a person approached my apartment unit while I was not there. An air conditioner installer heard a knock on the door and assumed it was me answered the door. The person who knocked on the door asked if the air conditioner installer if he was me and the person installing the air conditioner said no! Why? I was later told that the person at the door said because you owe this debt and proceeded to show the air conditioner installer documents with my personal information and a dollar amount! The air conditioner installer said that he was not me and left. 

When I got home from work I found these documents laying out as is! 

I am currently responding to this summons and filing this complaint at the same time. Its embarrassing and humiliating what unprofessionalism can do. I am not sure how many people on my floor saw my personal information. 

I asked security if anyone checked in to gain access to our secure building and was told no one signed in for my apartment or me on that day and access to the elevator is done with a key fob. ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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 hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX Account Number : XXXX It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20
Company: Bonneville Billing and Collections
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a bill in the mail for {$120.00} from XXXX XXXX Account number XXXX. I called to pay the debt. They told me there was another debt of {$550.00} attached that i was going to be served on. 
I called back to speak with XXXX, she informed me that even though I had not yet been served I would now need to pay {$1000.00} for legal fees and filing fees. 
I called back on payday to pay the debt ... I STILL HAD NOT BEEN SERVED. XXXX, whom I spoke with said the total owing was {$550.00}. I asked her if I needed to pay the {$1000.00}. She asked me if I had been served. I told her no. 
She then told me I would only need to pay {$550.00} to settle the debt. That is exactly what I did. 
I received a call XX/XX/2018 from XXXX, who was extremely rude and said I still owed the remaining balance. I informed her that I have yet to be served and XXXX told me I did not need to pay the difference {$1000.00} minus the {$550.00} because I had not yet been served. She could go back and listen to the recorded phone call because I specifically asked if that needed to be paid, I had the money in hand and she told me no. 
XXXX, said she would go back and listen to the call but I was still liable for the debt. I want to know my rights and if this is true?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Commercial Acceptance Company
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-04-14
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Opened on XX/XX/2021, The amount of {$220.00} others is the charge.I have already disputed this and it was removed and they continued putting it back on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-08
Company: Ridge & Valley Realty, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account name XXXX XXXX XXXX XXXX XXXX OF THE XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/2013 This is a medical bill that I was unaware of and went to collection. I have written the company, but received no response. Every month they add amounts to this debt. I have contested this, but have gotten no resolution. This is not an interest bearing account and insurance should had paid this. Regardless, I will pay the original {$330.00} once I have the companies agreement that this is the amount and the account will be taken off my credit report. I have never received anything from the company or the original company that insurance did not pay this. I only learned after it was reported through pulling my credit report and the amount increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Experian Information Solutions Inc.
State: OH
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:
looking at my credit report noticed it contained some errors relating to my addresses and file accuracy I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please delete/remove the following Addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX PLEASE OBTAIN VALID ADDRESS XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX XXXX, OH 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 2020-02-19
Company: BTH Management
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2020, my sister had messaged me saying that she had received a phone call from a lawyer looking for me and that I was a suspect in a crime. My sister called me and we spoke about this also. She said that the woman said her name was XXXX and she was looking for me because my name was put down as a suspect for a crime committed. I called the number that called my sister and immediately I was asked to verify the last four of my social. I do not even know who I am speaking to, I told the woman. She stated her name and said she was a debt collector and was calling about my debt, which is wrong in amount, to XXXX. I told her the amount was incorrect during this phone call and she did not seem to care. I filed a complaint with XXXX, also. I explained to her my circumstances and I explained to her also that XXXX promised to reduce my owed debt to my original debt of {$1000.00}. She did not care. I also asked why she was calling my family and lying about who she is claiming that she is a lawyer and I am a suspect in a crime. She did not have much to say to this. This violates Section 807 of the Fair Debt Collection Practices Act. She also never informed me, like every debt collector has to, that I have 30 days to dispute the debt. After speaking with her and getting nowhere after telling her my circumstances, my dad calls me and tells me the same thing. That a lawyer called looking for me because I am a suspect to a crime. Then my grandmother had said that the woman called her also, claiming to be a lawyer on the voicemail and said she needed me or my lawyer to contact her to settle the matter. This is in total violation of the FDCPA. This woman was rude, and she has harassed my family and lied about who she is and what she is calling for. If this woman making false representation does not get taken seriously, I will be taking further action also. XXXX sees all and knows all.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company violated FCCPA n FDCPA by listing a medical debt on my XXXX  credit bureau without sending myself the legally mandated notice of assignment giving myself the 30 day right of dispute period. 
My address has been updated with all credit bureaus for over a year. Also, i have had medical insurance since XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: TX
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:
15 U.S. Code 1681i A 1a 15 U.S. Code 1681i A 4 15 U.S. Code 1681e - b 15 U.S. Code 1681 - 1 15 U.S. Code 1681 - 2 15 U.S. Code 1681 - 4 On XX/XX/XXXX I disputed a negative item directly through XXXX and Equifax that was furnished to my consumer reports by XXXX XXXX on behalf of my former employer/landlord XXXX XXXX XXXX XXXX Apartments on XX/XX/XXXX. 

In my dispute I provided proof that the debt did not exist and should have never been in hands of XXXX because XXXX actually owed me money even after this negative item was furnished to my consumer reports. 

On XX/XX/XXXX, This item was deemed as accurate and was simply updated. There is no way a proper investigation could have been done by either party because the whole account is inaccurate I showed that as an employee, my rent was deducted from my paychecks. My last date of employment was XX/XX/XXXX. I was scheduled to receive my final paycheck XX/XX/XXXX. On that date I received a check for {$0.00}. Even though I was owed money for my PTO. 

I was told they were holding onto my funds for the same alleged debt they assigned to Pro-collect. They sent my account to collections while still owing me money making the debt invalid. 

Upon discovering this Item I reached out to both lumacorp and pro collect to fix the matter and have it removed, and to get the money I was owed. 

On XX/XX/XXXX, XXXX sent me my final paycheck further proving I didn't owe them anything and this account should not exist and violating my rights in so many different ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 CBNA ( Citibank N.A. ) Pulled a hard inquiry on my credit report without my authorization. Once I noticed the hard inquiry, I went ahead and put a credit freeze on XXXX XXXX with XXXX, XXXX, and XXXX. Since the freeze Ive been in contact with Citibank and the credit bureaus. I called Citibank @ ( XXXX ) XXXX and XXXX @ ( XXXX ) XXXX multiple times. Talked with numerous of representatives. It seemed like they knew exactly what the other party would say. Citibank representatives said to contact the credit bureaus and dispute with them. Credit bureaus would say contact the lender since they are the ones who pulled the hard inquiry. Same story & script. Both fraud departments couldnt help me at all. Majority of the Citibank representatives said there is no open/closed account nor an application in their system under my name/info. So this is why they all referred me/transferred my call to XXXX fraud department which didnt solve my issue.

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 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Since XX/XX/2019, TransUnion and XXXX  stop allowed to operate his dispute center They are controlling life-changing information, and they clearly have no interest in fixing this issue avoiding customers dispute wrong accounts in reports which is illegal. Every customer by law have the right to review their account and dispute any wrong statements. By email they never receive the documents they state always please resend it never arrive. No one is doing anything to find a solution. XXXX  is running a similar scam, where their site is always down for disputes, you have to send things in the mail, they get lost, etc. I have submitted multiple disputes for erroneous reporting and have gotten a resolution expected when I tried to re submit did not allow. I hope CFBP will help doing something about this scam by this companies in which mos of the time get money from third parties to continue operating 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 2023-07-25
Company: EQUIFAX, INC.
State: FL
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:
Violation Violations This is total fraud and a violation under FCRA 623 on my credit report the two accounts doesnt belong to me also I notice the dates on the accounts are off if the accounts were charged off why are there different updates on the payment history every month after the charge off under FRCA 623 this is an violation they never investigated the accounts being reported inaccurately please Delete the Two accounts this an violations under FCRA Delete Account : XXXX XXXX  XXXX Account number : XXXX the credit bureau didnt changed the dates last reported so that means they didnt do any investigations on the two accounts so how were they able to verify the two accounts being reported inaccurate the credit bureau didnt respond within the required 30 Days under FRCA thats an violation Delete the accounts for inaccurate activity being reported after accounts was charged off thats also another violation under the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a purchase was made from XXXX XXXX XXXX in the amount of {$XXXX}. 

I filed XXXX complaints XXXX I clicked to escalate the case and everything disappeared initially. The from what the lady said that I talked said on the recorded call she reopened the case who goes by the name of " XXXX XXXX XXXX said that she reopened the case because a complaint was filed here? 

The purchase was made using the PayPal account and as such is COVERED BY THE PAYPAL BUYERS  WARRANTY. 

She sent a copy of the shipping confirmation to the WRONG ADDRESS as we are on XXXX and XXXX XXXX. 

In addition XXXX XXXX is in the same area and there is no XXXX XXXX that lives on XXXX XXXX. 

On top of that the delivery confirmation that she sent me has been determined to be FRAUDULENT. 

I AM DEMANDING NOW A FULL REFUND OF THE PURCHASE PRICE as is agreed to in the buyer protection program.

Company response to consumer: Closed with explanation