BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-23
Company: The Receivable Management Services LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX i cancelled my auto insurance policy with XXXX XXXX via phone and email to XXXX XXXX with XXXX XXXX XXXX. XX/XX/XXXX a collection letter is sent to my rental property from The Receivable Management Services XXXX  ( not even to the address they have on file ) for {$71.00} for a late payment. XXXX XXXX was paid in full by my mortgage company, the policy was cancelled and insurance was provided through XXXX XXXX. Proof was sent several times and it seems like nobody is handling this the collection is still active. In reality they owe me a full year refund because my mortgage company paid XXXX XXXX while i paid XXXX XXXX after cancelling XXXX XXXX i did not receive a refund. I am less concerned about that but more concerned that the {$71.00} collection account will go on my credit report. I sent proof of insurance to all XXXX, XXXX XXXX XXXX and The Receivable Management Services, XXXX, it should not take this long to realize i do not owe this money. This is a false collection.

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 2018-10-23
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: Account status incorrect

Complaint:
I have disputed the late payments on ATTORNEY GENERAL-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX accounts for months. Equifax refused to reverse the late payment.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2023 US Bank sent a notice of default allowing me 30 days to either make partial payments for the past due interest of {$3600.00} or pay the whole sum. I made a {$470.00} payment XX/XX/2023. US Bank never applied this payment to my account. Debt collector XXXX sent a letter XX/XX/2023 requesting the full HELOC principal and interest of {$170000.00} be paid and stated the property my primary residence was being published in " Legal ledger '' on XXXX to be auctioned XX/XX/2023 by XXXX 
They postponed sale but now are auctioning themselves and not listed on XXXX for XX/XX/2023. 
Every time I call US Bank remote phone representatives working from home switch me from person to person for three hours logged on the phone. I've tried this more than four times over the past four months since XX/XX/2023. They are intentionally not sending the loss mitigation applications by mail or email. Dual tracking. 
One payment was missed in XX/XX/2023. 
In XXXX I explained the tripled monthly payment on the HELOC was supposed to have been fixed at the 3.25 % interest rate. Instead they increased it to 8 %. US Bank sold the copy of the note to a very aggressive debt collector who has home investors lined up to buy the property for just the amount of the HELOC third place loan {$170000.00} when property is worth {$460000.00}. 
XXXX XXXX created XXXX and XXXX XXXX, however he is operating the XXXX firm as a supposed trustee so he can foreclose and reap the equity in the house in a scandalous manner. He bought the copy of the note but not the mortgage for a few XXXX dollars from US Bank. US Bank has already charged it off on their accounting books. 
This HELOC was already sold into the market pooled as a heloc-backed security.

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 2017-06-19
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is a work number. They keep calling the reception desk and asking for me at work. Please make them stop!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Velocity Portfolio Group
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CKS PRIME INVESTMENTS LLC Account : for {$670.00}. In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 an account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I am not liable for this debt with CKS PRIME INVESTMENTS LLC and do not have a contract with CKS PRIME INVESTMENTS LLC They did not provide me with the original contract/application as I requested. This company has affected my lively hood with this derogatory reporting and has caused a hardship on my personal and professional life. I have submitted several disputes and CKS PRIME INVESTMENTS LLC continues to report negative information on my credit report. Please remove these accounts as soon as possible. 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 2023-03-28
Company: OneMain Finance Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
Information showing on my credit report I did not authorize. I am requesting that company provide verification that I in fact applied. I would like item removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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:
HARD INQUIRIES : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXXXXXX XXXX  Address XXXX XXXX XXXX XXXX, NY XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

I want these hard inquiries REMOVED!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: BEXIL AMERICAN MORTGAGE INC.
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
While I was XXXX, I had contacted a new Home Insurance provider due to better coverage at a lower rate. I had contacted the Company in question ( the loan servicing company ) XXXX ( Castle mortgage ) to see if I could pay the escrow covering my insurance so that they could issue a payment to the new insurance company. They explained to me that they had in internal process to re-issue a insurance payment, I asked them if I paid the amount directly into escrow if that would avoid the issue. They said that it should n't be a problem. I paid {$2000.00} on XXXX XXXX via their online system directly to the escrow Meanwhile, with my new insurance provider, they had not received the payment, and could not get in touch with me. They cancelled the policy in XXXX XXXX. The loan company then in XXXX XXXX sent the new check to the insurance company, who then immediately issued me a refund since they had already cancelled the policy. I opened the check, which was signed XXXX XXXX, late last week ( Friday XXXX XXXX ) to which I called the insurance company and head they had already cancelled the policy, prior to the Mortgage company not remitting payment in time. I had to get a NEW policy, covering a 64 day gap, which will cost me roughly an additional $ XXXX XXXXearly, and am worried the mortgage company will not remit payment in time from the escrow again.
***Additionally, I have been receiving loan services from this company, and believe that they are grossly overcharging me in escrow payments. I refinanced a couple of years ago to go from a rate of 5 % to 3.25 %, my payements according to the good faith esimate ( from XXXX XXXX ) said my new payments would be around {$1100.00} per month. Once the servicor ( who this complaint is about ) took over, they said that there was a " miscalculation '' in the escrow and now my payments have been over {$1500.00}, which is more than at the old interest rate.
Something does n't add up, and I did a minor calculation on what the escrow should be and came in much lower ( $ 449 monthly ) than the {$640.00} escrow payment they say I should be paying.
I believe my escrow has/is being grossly mishandled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter out on XX/XX/2022 to XXXX, XXXX, and XXXX. Here is my Tacking number # XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back with proof of a wet signature etc. This is not making any sense. 

In accordance with the Fair Credit Reporting act XXXX  Accounts : -National Credit Adjusters, L.L.C # XXXX -XXXX & XXXX XXXX XXXX XXXX -XXXX XXXX Account # XXXX -XXXX  # XXXX XXXX XXXX XXXX, XXXX # 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.

If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Receivables Management Partners, LLC
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:
There ar e two n ew items appearing on my credit report that have refused to do a federal consumer item verify. The items are years ago and the company 's are not able to verify or refuse to acknowledge the identity theft on my credit report.     AI would like to have these items removed from all credit reporting agencies due to the refusal of the institution to provide adequate infomation : ite m 1. Ac count  # 1 { $750.00} Balance  XXXX   XXXX  Original Creditor {$750.00} High Balance  XX/XX/XXXX  Opened Date  XX/XX/XXXX  Last Reported Individual Account.    Responsibility Medic  al  Remarks irem  2. A ccount  # 2 { $64.00} Balance  XXXX   XXXX  Original Creditor {$64.00} High Balanc ee   XX/XX/XXXX   Opened Date    XX/XX/XXXX    Last Reported Individual Account.   Responsibility Medical Remarks Note

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Professional Finance Company, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my XXXX credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I bank with Bank of America ; I started with {$2200.00}. On XX/XX/2021, the mortgage company withdrew {$2200.00}. By the end of XX/XX/2021, my account still had {$42.00} ; According to Bank of America, to combat a pending transaction of {$57.00} that didn't post until XX/XX/2021, they decided to charge me an overdraft fee even though I had an available balance of {$42.00}. My available balance on XX/XX/2021 ( Friday ) was {$1300.00}, and they pulled a pending transaction of {$57.00} ; they also drew a {$35.00} overdraft fee on XX/XX/2021. Even though there were available funds, and my account didn't have a negative balance, they informed me that it isn't possible to take off the overdraft fee. I spoke with XXXX and XXXX, Manager ID XXXX. Them charging me an overdraft fee for a pending transaction is by far the craziest banking issue I have ever run into and is just another way for banks to capitalize on hard-working American people.

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 2019-01-19
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
My credit card payment is due on the first i usually pay it the day before or on the first. I paid both my credit cards on XX/XX/XXXX. My XXXX XXXX card with barclay did not post my payment i got charged {$25.00} late fee and {$16.00} interest. I have requested that they please refund those charges. update their system and do not report this against my XXXX credit score. I am awaiting their response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX # XXXX XXXX  # XXXX XXXX  # XXXX has violated my rights. 

15 U S C 1681 section 604. A States I have the right to privacy 15 U S C 1681 section 604. Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U S C 1681 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years 15 U S C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Today I was contacted by XXXX XXXX from the subsidiary company Wells Fargo hired out to cheat victims of WF criminal schemes. During this call he indicated he was mad that I had filed with the CFPB. He again refused to allow me to provide evidence of the illegal and abusive actions of WF. He stated repeatedly that he would decide and it was clear his animosity would result in no reparations in spite of the rightfulness of my claim. He was dismissive, rude, uncaring and abusive and indicated I am a liar. He refused to listen or discuss my case. It is very clear he is only marshaling facts to support denial of rightful restitution to my family. 

I am formally requesting that WF get a unbiased decision maker who is not abusive, not smug pedantic, patronizing or grossly biased. 

I further am complaining that WF are the ADMITTED bad actors AND YET THEY ARE IN CONTROL AND CONTINUING THEIR UNETHICAL BUSINESS AS USUAL ignore, abuse, steal from their own clients, I want an unbiased person who is not abusive, who cares and as XXXX XXXX promised will make whole all us victims. 

He also screamed at me when he thought I might be recording him. He stated only he could record me. He is wrong. But he was very concerned there would be a record of his unethical treatment of me. Further, he only ever called me he admitted because of my complaint, This is a new concern given XXXX 's demonstrated biased and abusive behavior, he has demonstrated personal amimus against me personally, refuses to allow me ANY input or to testify or present evidence ( that I have in audio and emails TO WF agents ) has essentially called me a liar, screamed at me for filing a complaint, lied about who he works for, and stated he made final decision already but couldnt " tell me ''. I again begged to have input with the recordings, emails and previous CFPB detailed complaints I made at the time proving illegal dual trackingand other egregious abuses, XXXX XXXX clearly only has ine objective ; to deny as many reparation claims as possible and he marshals or creates anything to support this conclusion. Otherwise he would be happy to accept and utilize my testimony and proof.

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 2017-05-06
Company: EQUIFAX, INC.
State: IL
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 reported to equifax several times that the car judgement on my report is incorrect I also submitted the complaint to consumer finance which exeter finance responded and said they would have it corrected in 45 days but it took well over 45 days for them to correct it so it should be removed but now they stated it has been corrected however the account is still being reported as a charge off when it should be settled however equifax is still reporting it incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-26
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation