BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-05
Company: EQUIFAX, 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:
Hi I am contacting you because I keep reaching out to the credit bureaus to update my balances and and remove the fraudulent credit inquiries off my reports as there should be none. This is all causing a tremendous amount of unnecessary stress and I am XXXX and so is my son so you can only imagine what this is doing to me and my child as I am trying to move and do to false information on my credit report is causing things to be even more difficult. Equifax is definitely doing illegal things to lower my score like deleting positive things off my report instead of fraudulent things and leaving things on my report like the fraudulent XXXX XXXX credit inquiry which I provided them with a police report and they still haven't removed it yet nor have they updated my balances. My information was in there data breach but they still refused to give me my points back that they found away to take back at this point if they don't stop reporting inaccurate information I will be pursuing a lawsuit because there actions are unfair to me and my XXXX child and we may end up homeless do to there false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My home equity loan under XXXX  XXXX went to a company called Select Portfolio Servicing , Inc. to manage per XXXX XXXX staff. They stated S.P.S. was only to manage. However, S.P.S. refused repeatedly to confirm who now owned my note and pressured me repeatedly, deceptively, and against past practice of XXXX XXXX for me to buy their insurance. XXXX XXXX had stated no escrow required for home equity loans. This loan had been with XXXX XXXX for many years. S.P.S. insisted on homeowner insurance purchased through them. I had my own homeowner insurance most of the loan period until recently. Nevertheless, I received false and misleading payoff information as well as harassment to buy their product even while I had homeowner insurance. I also asked for a copy of the note they had received as they claimed contrary to XXXX XXXX staff and contrary to XXXX XXXX billing that my note was not a home equity loan, but a mortgage that required escrow. 

Select Portfolio Servicing , Inc., has lawsuits against it from other consumers. I paid more on principal several times. I asked for a complete history of all payments which they have not done. 

*** My Final Payment in the amount of {$69.00} was written on a check which stated to apply to the principal. They did not! They put in " unapplied ''. They did not send my note showing paid, and state I owe insurance payments and continue to increase " escrow '' for their insurance product although note paid off. And continue to show principal remaining in the amount of {$69.00} Even Though They Received This Money. 

My debt has been paid and I need a printout of all payment and charge history to verify their accounting. The person who made the dishonest decision to not apply my final payment to principal should be penalized along with S.P.S. I should receive my note as paid and a statement from S.P.S. showing no balances. 

I will be referring this complaint to corporate within XXXX XXXX and S.P.S., their Board Members, and to appropriate Texas and federal officials over banking/finance as well as those who represent my district and state. ( I have to wonder if those who investigated XXXX XXXX should investigate S.P.S. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 AM A VICTIM OF IDENTITY THEFT AND I HAVE REACHED OUT TO CB 'S MANY TIMES FOR HELP WITH THIS ISSUE AND THEY REFUSE TO INVESTIGATE PROPERLY EVEN WITH PROOF OF IDENTITY THEFT AND ALL THE OTHER INFORMATION I PROVIDED.

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 2020-05-20
Company: EOS Holdings, Inc.
State: GA
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:
XX/XX/XXXX I received a notice from my mortgage broker that there was collection on my credit report from EOS CCA. They allege that I owe XXXX {$220.00} for an outstanding balance that I owed when I resided in XXXX in XXXX. I contacted the collection agency several times to resolve this matter. After never receiving any validation of this debt, I paid the alleged balance owed in order to resolve this matter. I was advised that this item would be removed from credit report after receiving payment from me. As of today, the item is still showing as a collection item on my report. I called several times and left messages to XXXX XXXX, the manager on this account. He has not returned my calls to resolve this matter. Also, I contacted XXXX at XXXX XXXX relations ( XXXX ) XXXX, who wanted to speak to him to have this account removed from my credit report. They have not spoken to him or returned his calls to correct this matter. I have been a long time loyal customer to XXXX for over 12 years. I pay over {$5000.00} a year for cell phone service, notwithstanding the previous services i have paid for when XXXX was my cable provider. Overall, this collection agency has not been cooperative to clearing my credit report event the support from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account name
CAPITAL ONE

Account number
XXXX  Date opened : XXXX XXXX XXXX  Balance: XXXX  
THIS ACCOUNT WAS OPENED FRAUDULENT AND SHOULD BE REMOVE FROM MY CREDIT REPORT BY LAW .
PLEASE INVESTIGATE OR DELETE THIS ACCOUNT FROM MY CREDIT REPORT .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off the loan on XX/XX/XXXX. At that time I called the company and they had indicated that I had overpaid by {$94.00} and that I would get that balance in the form of a check within 30 days. 30 days passed and I received an email stating that my next payment was due on XX/XX/XXXX. I contacted them on XX/XX/XXXX and the representative I spoke with stated that the payment message was a mistake. On XX/XX/XXXX I tried to use my bank card and was denied because there was a pending ACH hold on my bank account from Net Credit. I will contact them again today when they open and ask them to erase my bank account information. Also, when i call they state that all calls are recorded for QC purposes. Also, I can not get a paper statement or a pay off notice from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Dear who this may concern I refinance my car with navy federal and request to the person I was in contact with, that I would want Gap insurance on my auto loan. My vehicle end up being declared a total loss by XXXX and called the bank about it. The bank refuse give gap, because it was not put into the loan as I requested. The bank I clearly not capable of being trusted with a yes or no answer and would like some explanation and some accountability. 

I looked forward to getting a response

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 2020-05-20
Company: ATG Credit, LLC
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: Investigation took more than 30 days

Complaint:
ATG CREDIT LLC is a collection agency collecting for XXXX XXXX XXXX  in the amount of {$4300.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and XXXX to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: JDJ Investments, INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting illegal information on my credit report I contacted them 30 days ago and serveral other times and got no response.also under the hipaa Privacy act they can't have access to my personal medical records that's against the law and they can't provide me with information about this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: AES/PHEAA
State: NJ
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:
I made at least 5 payments of over 200 dollars to XXXX  and then paid the smaller amount for 2 years. I never missed a payment. This was supposed to last for 10 years. My income went down and randomly they decided to make my payment 150 times more than it was supposed to be. I couldn't afford it and they put my loans in default as well as gave me no credit for anything that I had paid towards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My initial loan was sold to Loancare LLC. I refinanced with XXXX XXXX. XXXX required escrow to cover my winter taxes, I informed them that Loancare had all the funds already to pay my winter taxes. I was assured by XXXX I would be receiving my escrow monies back from Loancare within 60 days. When I did not receive my monies, I contacted Loancare and determined they also sent a check to my township that has been sitting in their treasuries office for over 2 months. I contacted my township treasurer who stated a simple fax or email from Loancare stating the check could be released to me for the double payment of my winter taxes. I contacted Loancare and after multiple attempts they still have not completed this small task. They refuse to simply cancel the check and send me out new check. I am concerned that if my township sends the check back to Loancare, they will say they never received it and I will be continuing this fight for a long long time to get my escrow refunded to me. 
PLEASE HELP!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI 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 2017-08-10
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Professional Placement Services LLC dated XX/XX/XXXX stating I owed them money for a medical debt. I checked my credit report and did not see any debt collection on it and believe it is not mine so I sent them a debt validation letter per FDCPA law 15 USC 1692g Sec. 809 ( b ) on XX/XX/XXXX. I also informed them in the letter that under the FDCPA and FCRA laws it is a violation if they report this inaccurate account to any of the credit bureaus. On XX/XX/XXXX I received and email alert from XXXX XXXX that new information was just added to my credit report. I signed in and saw that Professional Placement Services LLC added a negative collection account to my credit report. They still have not responded to my debt validation letter and they illegally placed this account onto my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I took a look at my credit and notice there is a bankruptcy reporting to my credit that is not mine. I have never filed for bankruptcy and ask that you have this incorrect information removed from my credit 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 2020-05-23
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX while preparing to move out of state from my address of XXXX XXXX XXXX. XXXX XXXX XXXX, CO XXXX I went to return my XXXX Equipment as required by my contract. I went to XXXX XXXX XXXX XXXX XXXX. 
XXXX, CO XXXX XXXX XXXX stars out of XXXX XXXX rating to return my equipment. I waited patiently for over a hour for service. When it was clear that the process was going to take more than a few hours of additional waiting, a service representative at the retail location suggested that we place the equipment on the counter and assured us that he would check it in, so we could leave, since we had been there for such a long time for a basic service. Which we did. We followed the service representative 's instructions and placed our equipment on the counter giving him our name and account information and left. 

Shortly after this event I received a XXXX bill for {$150.00} for equipment. I called and spoke to a representative which refused my version of events. when I received another bill, I called again and got no where. I have refuted this charge on all of my credit reports since they have listed a derogatory comment. Today I called the collection agency and complained.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: IA
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 contacted Equifax several times reguarding this. I have an open auto loan with a local lender. The account was a removed from my report incorrectly effecting the credit dramatically. It dropped my score by 60 points! Ive contacted the dealer who informed me that they are still reporting to equifax and that everything on there end is correct. They also informed me that they have tried to contact equifax them selfs to see what the problem is but were told because its not there credit file that they can not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
WE, XXXX AND XXXX XXXX WERE SCAMMED BY A COMPANY CALLED XXXX FROM DELAWARE. WE PAID THEM {$3500.00} CHK # XXXX ON XXXX-2016 AND ANOTHER {$5000.00} IN 2016 USING THE SAME CHECKING ACCOUNT XXXX XXXX XXXX WHICH IS NOW PROSPERITY BANK. THEY TOOK ADVANTAGE OF US AND THIS IS SENIOR CITIZEN ABUSE. THEY DID NOTHING AT ALL FOR US. WE TRIED TO CONTACT THEM @ XXXX AND THE PHONE # IS NOT IN SERVICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
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: Information belongs to someone else

Complaint:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : Account # : Date Open : Balance : Company : XXXX XXXX XXXX Account # XXXX Date XXXX Balance : {$4100.00} Company : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Balance : {$1500.00} Company : XXXX Account # XXXX Date XXXX Balance : {$3700.00} Company : XXXX XXXX Account # XXXX Date XXXX Balance : {$16000.00} Company : XXXX XXXX XXXX Account # XXXX Date XXXX Balance : {$960.00} Company : XXXX XXXX Account XXXX XXXX Date XXXX Balance : {$4100.00} Company : XXXX XXXX XXXX Account # : XXXX Date XXXX Balance : {$5200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02
Company: ENCORE CAPITAL GROUP INC.
State: MI
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:
Midland Credit Management agreed to remove an account from my credit reports in XX/XX/2020. The old XXXX tradeline has yet to be removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX  XXXX XXXX is a collection agency collecting for XXXX University in the amount of {$4100.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and XXXX to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Do to my dispute with TransUnion credit report they refuse to provide me with copy of all fraudulent activity that was on my credit report an due my understanding supposed been reimbursed me need a copy of that old credit report XXXXXXXX XXXX XXXX XXXXXXXX XXXX was on there holding back cause me file civil action lawsuits

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 2019-10-07
Company: BlueChip Financial
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have asked to please stretch out my payments for a longer period.they said no can do. {$800.00} loan for 10 months at payments off {$260.00} ea.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : Account # : Date Open : Balance : Company : XXXX XXXX XXXX Account # :XXXX Date Open:XXXX Balance : {$4100.00} Company : XXXX XXXX XXXXXXXX Account # :XXXX Date Open:XXXX Balance : {$1500.00} Company : XXXX Account # :XXXX Date Open:XXXX Balance : {$3700.00} Company : XXXX XXXX Account # :XXXX Date Open:XXXX Balance : {$16000.00} Company : XXXX XXXX XXXX Account # :XXXX Date Open:XXXX Balance : {$960.00} Company : XXXX XXXX Account # :XXXX Date Open:XXXX Balance : {$4100.00} Company : XXXX XXXX XXXX XXXX # : XXXX Date Open:XXXX Balance : {$5200.00}

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 2020-07-08
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt was reported on my credit report without written notice. ot verification of the debt. They said they would close out my case due to fraud but never did. and I still have this collection listed on my credit report.

Company response to consumer: Closed with explanation