BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-09
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I wrote all three credit bureaus requesting that Midland Credit Management , Inc validate the debt on my credit files. The credit bureaus said the accounts were verified, but never provided how they verified the accounts with documentation which I requested in my letter to them with in 30 days. I received correspondence from Midland Credit Management on XX/XX/XXXX, in response to the XX/XX/XXXX, letter to the credit bureaus. They mailed an itemized print out of charges that are not familiar to me. They didn't provide the original contract or anything with my signature, no copy of their license to show me that they are license to collect money in the state of MD. Then they requested information from me regarding my dispute and stated that if its in error provide documentation. So in other words they want me to do what I asked them to do which is validate the debt. Also, an itemized statement does not prove nor validate the debt on my credit file. 

15USC 1692c ( a ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- 15USC1692f states that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was with XXXX XXXX XXXX. XXXX XXXX XXXX previously modified my mortgage but in 2016 they adjusted the payment higher which caused me to miss two payments. XXXX XXXX XXXX then transferred my mortgage to Ditech who agreed to modify my mortgage again and bring the payments back to where they were before XXXX XXXX XXXX 's increase. The problem is that after Ditech modified my mortgage, they never updated the mortgage to current. Even though Ditech never reported on my credit report, they serviced my mortgage as if the modification ( with the exception of the payment ) was never completed and as a result, when Ditech transferred my mortgage to XXXX, they reported my mortgage to XXXX as 90 days late when in fact I was 30 days late.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: I.C. System, 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: Old information reappears or never goes away

Complaint:
A 10-year old XXXX XXXX debt was removed from my credit report over a year ago. All of a sudden I get an alert saying it is added back on a year and a half later by IC Systems and the dates of open and close they reported are extremely misleading ( saying opened 2020 ). This would allow them to continue to attempt collections and report the debt for another 7-10years. Ive already disputed the item but this is a Violation of the Fair Credit Reporting Act as well as Fair Debt Collection Practices. This is highly unethical and lawless. I dont know what the statute of limitations is on things like this but I am considering hiring counsel. I have worked hard to clean my credit up. This could also constitute defamation of character since negative remarks such as this look as though I havent already been cleared of this. Especially when it continuously goes away only to pop back up again over a year later. 

They state it was open XX/XX/2020 and owed {$1300.00}.

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 2018-09-18
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I recently paid off a car loan on a XXXX XXXX XXXX-XXXX ( VIN # XXXX ). The loan was held by XXXX XXXX and I paid it off early. I called to get the pay off on XX/XX/XXXX. Was told I should pay {$2600.00}, which I did and the check cleared the bank on XX/XX/XXXX ( Check # XXXX ). 

All the documents have been sent to me promptly. Yesterday I received a letter from XXXX XXXX thanking me for doing business with them. They advised me that I was owed {$9.00} for overpayment on the auto loan. Attached to that letter was a prepaid XXXX that can be used everywhere ( except at ATMs ). In order to use it as a debit card I would need to set up a PIN and in order to use it as a credit card I just needed to sign for the purchase. 

The paragraph below the " NOTE : The Debit " cash back '' option is not available with this card '' statement advised that " Registration, activation, acceptance, or use of this card constitutes acceptance of the terms and conditions stated in the Prepaid Card Agreement. '' Back of letter has the essential elements of the Prepaid Card Agreement. The schedule of fees notes a card maintenance fee of {$3.00} a month ( nice work on a {$9.00} payment ) This card represents an account that I neither requested nor desired. I could " ... go to the website on the back of the card ... '' to request a check in place of this card. The question is why would they make me take that additional step? 

The extra step I am taking is advising you that this practice is in use to get people to acquire a credit card that they did not request. It seems to me to be much like XXXX XXXX XXXX 'XXXX cross selling schemes to open accounts that their customers were unaware of getting and, like me, did not want or need. 

I am attaching a copy of the letter from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX and Equifax REFUSE TO INVESTIGATE A FRUADULENT ILLEGAL ACCOUNT THAT IS OVER 7 YEARS OLD ON MY CREDIT REPORT, XXXX XXXX XXXX XXXX, A FRUDULENT, ILEGAL COMPANY. I HAVE TRIED TO DISPUTE THIS ITEM, XXXX XXXX WITH EQUIFAX AND XXXX AND THEY REFUSE TO FOLLOW FEDERAL FCRA LAW AND REMOVE XXXX XXXX FROM MY CREDIT REPORTS! THIS ACCOUNT IS ILLEGAL, FRAUDULENT, OVER 7 YEARS OLD.THIS ACCOUNT VIOLATES FCRA, AND THESE COMPANIES REFUSE TO REMOVE IT FROM MY CREDIT REPORT!!! REMOVE THIS FROM MY CREDIT REPORT IMMEDIATEY! EQUIFAX AND XXXX ARE VIOLATING THE AMERICANS WITH DISABILITIES ACT AND FCRA AND FEDERAL LAW! EQUIFAX AND XXXX WILL REMOVE XXXX XXXX, A FRAUDULENT ILLEGAL ACCOUNT THAT DOES NOT BELONG TO ME IMMEDIATELY FROM MY CREDIT REPORT. XXXX REFUSED TO INVESTIGATE THE MATTER WHICH IS ILLEGAL AND UNETHICAL!! I HAVE REPORTED YOUR COMPANIES TO THE CFPB, THE XXXX, AND THE XXXX ATTORNEY GENERALS OFFICE! REMOVE XXXX XXXX, A XXXX XXXX BALANCE ACCOUNT OVER 7 YEARS OLD FROM MY CREDIT REPORT IMMEDIATELY OR I WILL SUE YOUR COMPANIES. STOP DSICRIMINATING AGAINST A XXXX XXXX  AND FOLLOW THE LAW!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a XXXX Synchrony Credit Card account in XX/XX/XXXX. Since opening the account I have paid every payment on time each month and have completely paid off my balance once and was planning to do it again in a few months. After paying more than the minimum payment on my account and paying off the balance of another Synchrony account, they closed my XXXX account for no apparent reason. Customer Service explained that my account was closed due to poor credit but my credit has actually improved since opening my account, so this explanation doesn't make any sense. Upon further review, I've seen hundreds of complaints from people who have had their accounts closed in the same manner over the past few days. It appears Synchrony bank is closing accounts during this pandemic to protect themselves and hurting consumers in the process. My account was closed on XX/XX/XXXX with a balance of {$1000.00} and a credit limit of {$1500.00}.

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 2019-11-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft from a corporate security breach. This information does not relate to [ transactions that I have made or accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.I have tried through written correspondence, yet Experian has ignored my disputes The acounts are as follows : XXXX : XXXX XXXX XXXX : : XXXX XXXX : XXXX XXXX  XXXX : XXXX XXXX  XXXX  : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-07-17
Company: Experian Information Solutions Inc.
State: NY
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 am submitting this complaint about XXXX XXXXXXXX XXXX. I paid this card off in full it has a {$4800.00} credit line. I have repeately asked that this card report to all 3 credit reporting companies as it is in excellent standing and paid in full within 2 years. I was told numerouos times they ( XXXX XXXX XXXX reports every 30 days. It's been over the 30 days and it is still not reporting I just checked all 3 of my credit reports. I've called numerous times and just keep being told it's reporting. But it is not.

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 2022-11-30
Company: Experian Information Solutions Inc.
State: FL
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:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

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 2020-07-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I submitted two written request for incorrect reported items on my credit report with XXXX   and Experian. I take my credit very seriously and I submitted a second written request to XXXX  XX/XX/2020 requesting the removal of all negatively reported items such as XXXX XXXX XXXX in the amount of {$580.00} and XXXX  in the amount of {$2100.00}. I also submitted a written request to Experian requesting the removal of XXXX XXXX XXXX XXXX in the amount of {$6300.00} as well as multiple incorrect addresses listed under my credit profile for both Experian and 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 2021-01-30
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've reported them to CFPB several times calls may stop but they return. the last one I reported to CFPB they claim they never called which is false. after the report the calls did stop then return again. 
calling my relatives and other family is over the top. once filed a complaint I thought it was illegal to stop calls once I've filed a complaint for harassing all my family with a XXXX phone calls a day?

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 2018-02-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I spoke to a customer service representative on XX/XX/XXXX to try to resolve this issue. I was told they dont know why this account is still reporting as late because it has been paid and to call back in 48 hours while they investigate. In the mean time I can file a dispute. This company has charged off my account in XX/XX/XXXX and when this account was charged off it has been paid with the collection agency however, this company is still reporting my account monthly as 180 days past due. This account has a XXXX balance as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX, XXXX, and Experian all have information on my credit report stating that the age of my credit score is between 1-3 years which negatively impacts my score. I have a paid off car loan that is in excellent standing that was opened in XX/XX/XXXXthat none of these 3 XXXX companies will put on there, BUT they sure will put information that's not mine like credit inquiries that don't belong to me and charge me for $ 75.00+ for experian.com or XXXX that I never signed up for. That in itself is fraud! They also will keep addresses on there that are not mine and names that aren't mine and credit inquiries that I never authorized. WHO MADE THEM THE AUTHORITY ON CREDIT SCORES??? AND BY THE WAY, they sure can let our personal info be leaked to every person on the big black web can't they?? They couldn't protect a dog collar 's information from a blind person in Braille.

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 2018-09-18
Company: EQUIFAX, INC.
State: LA
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:
Equifax, XXXX, and XXXX all have information on my credit report stating that the age of my credit score is between 1-3 years which negatively impacts my score. I have a paid off car loan that is in excellent standing that was opened in XX/XX/XXXX that none of these 3 XXXX  companies will put on there, BUT they sure will put information that's not mine like credit inquiries that don't belong to me and charge me for $ 75.00+ for XXXX or XXXX that I never signed up for. That in itself is fraud! They also will keep addresses on there that are not mine and names that aren't mine and credit inquiries that I never authorized. WHO MADE THEM THE AUTHORITY ON CREDIT SCORES??? AND BY THE WAY, they sure can let our personal info be leaked to every person on the big black web can't they?? They couldn't protect a dog collar 's information from a blind person in Braille.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Nationstar mortgage is my loan servicer and somehow has failed to make a 2016 property tax payment. I have an escrow established since the on set of my mortgage. Although I 've been told that this was taken care of this is the 2nd delinquent tax notice informing me that my property taxes have not been paid. As previously stated included in my mortgage payment is escrowed taxes and insurance.
I 've already accrued late charges of which I do n't believe that I should be responsible for as a result of this error. Please assist me in getting the attention I deserve. I do not want to loose my home as a result of delinquent property taxes when it is escrowed. This is the first time that this has happen but I am having difficulty reaching Nationstar and getting this resolved timely ( 2nd notice which means they did n't do anything to resolve this matter the first time they were given notice ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on 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 non-monetary relief
Consumer complaint received 2021-11-04
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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, and I am sending this request myself to address the inaccuracies on my Credit Reports. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely.

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 2021-10-07
Company: Santander Consumer USA 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute the late payment on my auto loan with Santander consumer USA. Ive been making timely payments to them by text for months now. I knew my car was almost paid off and when I didnt receive a text from them for payment in XX/XX/2021, I assumed it was paid off. I went online to check in XXXX and it did say that I still owed {$360.00}, but when I pressed make a payment it said that my balance was XXXX so I assumed that their system had just not been updated and that I was done with my payments. I have been waiting for my pink slip. I received a letter from them today, XX/XX/2021, and was hopeful that it was the pink slip but it was an Invoice saying that I was 71 days late in paying! This is the first statement that I received from them by mail since I signed up for text payments. I called them and they said that my late payment had been turned over to you and that I would have to file a dispute through you. I told them to transfer me so that I can make a payment on the phone but when they did that I was told that I owed {$740.00}. This wasnt the amount that I was just quoted. I hung up from that service and decided to pay online once again. I pushed to make a payment and it said that my balance was XXXX dollars. I called to speak with someone again and they told me to go online and pay by asking for the payoff amount. I tried that and they told me the payoff amount but wouldnt take a payment and when I tried to pay again by phone it gave me the {$740.00} amount. I called and spoke with the rep again and he transferred me to a manager who was able to take my payment by phone. He apologized and said that there were apparently some glitches in the system, one being that they didnt text me my final payoff amount and allow me to pay that way, like I had been paying for months, and he couldnt explain why it said that there was a XXXX balance when I went online to try to pay. He was going to turn that over internally for them to check into. He did explain that the automatic amount of {$740.00} was because the auto payment just knew that it was a month late and it gave me two payments plus a late fee amount. It apparently doesnt know when you are on your final payment. I would appreciate it if you could remove the negative dings that this created on my credit score. Its been more than frustrating dealing with them but my credit report score troubles me above all. The company is Santander consumer USA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Creditor refuses to delete incorrect and outdated data to the three credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation