BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-06
Company: DeWitt Mortgage Services and Property Management, LLC
State: AZ
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:
Creditor Contact Details PROPERTY MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX This company fraudulently reports I opened an account with them XXXX XXXX. I have no idea what company this is, they can provide me with no information confirming i opened an account with them. I have tried on several occasions to have them correct their error to no avail.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-05
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed this account several times before. It always comes back as accurate. 
Midland Management is reporting 3 different date last active. 

XXXX XXXX XXXX XXXX Experian XXXX A proper investigation was Never done according to the FCRA. 
The term nvestigative consumer report '' means information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom is aquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more. 

In accordance with the FCRA, Everything has to be 100 % accurate on my credit report. 

Midland Credit Management has concluded the information is accurate. 

How can this be when their reporting 3 DIFFERENT YEARS last active?

This is grounds for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: VA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: NEW YORK COMMUNITY BANK
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A fixed rate XXXX XXXX XXXX ) was refinanced in XXXX for XXXX loan. The servicer of the loan is also expected to make the home owners insurance and property tax payment and it is New York Community Bank, headquartered in XXXX, New York. Servicer address is XXXX XXXX. The servicer increases the monthly balance due using an annual mailing entitled, loan analysis, without providing adequate justification. Specifically, The property taxes have remained between XXXX annual since the inception of the loan and the home owners insurance has increased from approximately $ XXXX XXXX per year, the monthly payments has increased using the annual analysis from approximately XXXX per month to the most recent XXXX during this period. The bank does not provide the requested details showing the method it uses to determine the amount of shortage. The annual increase in monthly payment amounts for the most recent year is XXXX and it exceeds the payments due for the noted variables of insurance and taxes. Accounting for the life of the loan, the accumulated amount would approximately equal ( XXXX X XXXX years= XXXX ) Upon inquiry, I have received a letter dated XXXX/XXXX/XXXX, explaining that as of XXXX XXXX, the loan servicing organization would be XXXX XXXX customer service, with the XXXX XXXX XXXX in XXXX XXXX XXXX XXXX Would you please offer a response that would allow me to address this issue if in your opinion there is matter for me to pursue, including the need for investigation or legal services if necessary. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
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've disputed the following accounts due to many facts but more specifically the accounts belong to someone, one inwhom used my identity without my knowledge nor consent. These accounts must not have been properly investigated by the 3 major credit bureaus but yet the 3 major credit bureaus constantly reporting these unauthorized accounts. Either bureau shall relay on electronic verification as proof. Either provide me with physical proven documentation or as my consumer rights I'm demanding that these accounts be blocked immediately. 

1 ) XXXX XXXX XXXX {$4000.00} 2 ) XXXX XXXX XXXX {$570.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX {$85.00} 5 ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was to be paid by worker 's compensation. The company didn't process the correct papers.They send a bill amount without the medical diagnosis and process that took place. I called XXXX XXXX and explained that I got hurt on the job and XXXX XXXX XXXX XXXX of Louisiana was responsible for paying this account. Than I called XXXX XXXX my case manager and explained. SHE explained that they never should have reported it on your credit report, because it's a government issues and they're waiting on the correct papers to be processed. Than I called XXXX XXXX again to check the status if the correct papers were send. The person said no, I asked why, I was put on hold. He stated I don't know. I asked for a supervisor. I explained to her and she was rude and stated it's my responsible to get the correct papers to work 's compensation office and not there office. I said this is the frist of my hearing. And I haven't heard anything until now its back on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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:
My name is XXXX XXXX, I have been a long time card holder of XXXX XXXX ( Last four ending XXXX ). On my credit report there is a 30 Day Late Payment for XXXX XXXX. Back in XX/XX/XXXX there was a bank error and a payment that I thought I had made did not go through. I had placed overdraft protection onto my checking account. And I actually made a payment on XX/XX/XXXX and the payment should had gone through. We no longer bank with XXXX XXXX. But I was able to get a copy of our statement from XX/XX/XXXX. 

My wife and I actually reached out back to XXXX XXXX in XXXX for this same issues and you guys fixed it, kind of. Back in XXXX I wrote in to you guys and I had asked for a goodwill adjustment. You guys did agreed to the goodwill adjustment given my outstanding track record and account history. Shortly afterwards the holiday season came and then XXXX shut the whole world down. So this account has been out of slight out of mind. 

The reason Im writing you today is after reviewing my report recently, I noticed that only XXXX updated. Both XXXX and Experian still show a 30 day late payment for XX/XX/XXXX on my credit reports. My credit card account with XXXX XXXX has been in great standings since I opened it, other then this one 30 day late. A late payment that is now nearly 5 years old. My account is set up for automatic bill pay. And I enjoy having and using the card. I am asking to have XXXX and Experian updated to remove the 30 day 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 2018-01-04
Company: M&T BANK CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
M & T mortgage finalized my request for mortgage modification XX/2016. 
I recently applied for credit and I was denied because of the incorrect mortgage pay history that consist of my mortgage payment amount, mortgage balance, and open date of the mortgage that is being reported by M & T Bank on my XXXX, XXXX, & XXXX credit report. My mortgage balance and payment history is being reported incorrectly. Also M & T did n't report the terms of the mortgage modification agreement that is now my current deed. M & T Bank did n't remove the delinquent mortgage history after the mortgage modification was finalized.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 are third party medical collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act : XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02
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:
the account DP OF EDUC XXXX is reported three times on my Equifax credit report. Same with DPEDXXXX XXXX. This is a total misunderstanding. I have a student loan which was granted DPEDXXXX XXXX. My loan holder granted forbearance, payments were reduced and it is not for collection. It shouldn't appear on my credit report in the first place because this is a government funded loan. Please remove it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Was not notified of investigation status or results

Complaint:
There is an account that appeared in XXXX from USAA on my XXXX report. Just XXXX. I originally disputed it with them. It came back as verified as mine. I contacted USAA they couldnt find this account or ANY account in my name and Social Security in their records. They said " we cant send you anything that says this isn't yours since we are not reporting anything under your identifiers '' you will need to dispute this with the bureau again. I did. It was then removed. It remained off for months. Then reappeared. I once again disputed this with XXXX and was told its been verified as yours. How? Where is the proof. They have to provide me a copy of the lease/loan agreement with my signature, or credit app something! Nothing. Neither them or USAA has ever done so. They just keep making this account reappear at will. It costs me XXXX XXXX points each time this appears. Its causing me financial devastation since I have NEVER had a late payment in my life or a collection account. Just this account that isn't mine appear and disappear. This has to be removed in full by XX/XX/XXXX at that point the debt is 7 years past the time whoever had this would be out of the statute of limitations. I shouldn't have to wait 3 more months for this to happen naturally since its NOT MINE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I recieved my student in XXXX, the sum of XXXX. I paid my student loan off in XX/XX/XXXX, my final payment was XXXX. 
In XX/XX/XXXX, I started getting calls and letters that I need to pay almost XXXX, they were claiming that there was never a payment made in the XXXX yrs it took to pay it off. I have spoke to XXXX, XXXX XXXX, Navient multiple times, I have sent my XXXX XXXX XXXX that I paid the loan off. I have maintained that my record show it was paid, but I did tell then that I if they did some research and proved I owed XXXX, the. I would pay it, but all my record show i paid the loan off in XX/XX/XXXX. And they claim that that XXXX payment is the only payment they know of. So, over the years while u have been fighting with them since XXXX, I keep demanding a forbearance and tell them to do the research and go over the proof I have sent them. They never do, and I just received another letter staying i still owe XXXX. This has been going on since XXXX, I have provided my burden of proof that it was paid, and they still refuse to go through everything, still stating i owe XXXX. Every year I demand a year long forbearance, I inform them that I refuse to pay them another dime and to do their jobs and get the XXXX together. I am constantly harassed by them and it becomes very stressful and it has ruined my credit. I refuse to pay a loan that I already paid off. They say they will look into it, but they never do. Also for years they would take my federal tax refund, but yet still claim they have not received payments, those refunds total a couple XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This complaint is to inform you that transunion has failed to respond to my inquiry dispute letter that I have sent certified mail on XXXX XXXX, 2017. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, transunion received my Dispute letter on XXXX XXXX, 2017.

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 2021-05-16
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$190.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions 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 received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

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 2017-10-06
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I had my car financed with Santander XXXX XXXX. I had no choice with the loan company the dealership ( XXXX ) went with, I owed more than the car was worth.The interest rate is so high XXXX XXXX and whenever I have contacted them, the customer service is not helpful and also very rude. I do n't like that they wo n't refinance at a lower rate. I feel like I 'm being ripped off by this company. I have paid for this car twice from the looks of it I still owe XXXX plus on this car as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-04-24
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX I signed a contract with Credit Acceptance Corp Account # XXXX to finance the purchase a XXXX XXXX XXXX   XXXX  useing auto pay from my bank. From XX/XX/XXXX to XX/XX/XXXX all payments were on auto pay until I stopped payment because I became unemployed in XX/XX/XXXX and direct deposit stopped. 

Being unemployed I still managed to make all payments up to this month working for myself to survive. Paid {$380.00} on XXXX and Paid {$200.00} on XXXX. On XX/XX/XXXX I called and ask Credit Acceptance could they lower my interest rate and refinance the vehicle to a lower rate because I was unemployed and working for myself. They replied No. I also ask can lower my interest rate, that answer was also no.

When I bought the car my credit was bad because of some past problems. If you look at my credit score when I bought the car and look at it now its a big difference. Im getting calls from the lender almost every day, asking when can we expect the next payment. With this Corona Virus affecting thousand of people Im doing the best I can getting the money to pay my bills. Even my cell carrier XXXX is giving more talk, text and more during this virus situation. 

If you can help me, I need them to stop the horasing calls and try to get them to refinance the car or lower the interest rate I would be more than happy. I dont want to ruin my credit, I will pay them but its hard to get work now and they wont accept a hundred dollars from me to apply on the account. If you need to contact me my info is below. Thanking you in advance for your support ... 

XXXX XXXX XXXX E-mail : XXXX Cell : 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 explanation
Consumer complaint received 2017-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My dispute is with capital one nd their redicilous fees and increase interests rate I always pay before the due date this month do to my unusually stress I thought I allready made the payment When I called the customer service I noticed high minimum due increase So noticed that I did forgot to make a payment Now is this ok for me to get punished this suvirly Capital one took very stiff harsh unnessadery action by increasing my minimum due and increasing my interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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