BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-14
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has been inaccurately reporting a debt of {$690.00} on my credit report. I have received NO correspondence. I have received no LETTERS nor phone calls making me aware of the debt. When taking a look at my credit report I saw that they were an account on there from XXXX XXXX XXXX when I have NEVER had an account with them. I spoke with account collector XXXX and explained the situation to him. He then became snarky and told me there was nothing he could do and they would sue me and garnish my wages. I asked him to please explain to me what charges were made. He gave me a list of charges in my state, BUT that i did not make. I asked him to then mail me a copy of the contract with my signature. He refused and I got upset and asked to speak with his manager. He then put me on hold and hung up. After calling back three times I finally was connected with the Supervisor and I explained to her that I was on limited income due to a parent being killed and being the sole provider of my siblings. I even had to update my CORRECT address after they had the incorrect address on file for me SIGNALING FRAUD! I stay in apartments where my mail and sensitive information is usually passed around. I explained this to her. Im unable to work due to severe XXXX and live on little to no income. On the website it stated that they would forgive or settle if medically unstable. She only said I could get a 20 % discount. She told me I would have to pay {$550.00} of a {$690.00} debt that I NEVER MADE! She then questioned how I would make the payments. She told me if I didnt have a payment made by XX/XX/2018 I would be SUED! I have sent letters and made calls and no one has gotten in contact with me. It is not fair for me to pay on a debt that is NOT mine and that has NO signature of mine on the contract. Again I am severely and medically diagnosed as being a major XXXX. I only agreed to settle to get this off my credit report. These people are heartless!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The City of XXXX is billing me {$84.00} on a debt that has already been paid in full since XX/XX/2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 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 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 2019-12-14
Company: State Home Mortgage
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company will not answer phone calls no matter what time of day. On very rare days that I am able to speak with an representative their never able to answer any questions from lack of knowledge, i guess. I'm on hold for long periods of time and still in able to speak with an representative

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Cashnet USA keeps changing the settlement offer. I have copies if you need to see them. 
They keep changing the amount of the payment due and the loan repayment date. 

Whenever I call in to make a payment they tell me that I owe them more money,. ' XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
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: Public record information inaccurate

Complaint:
The credit bureau is reporting this bankruptcy passed the statute of limitations.

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 2019-02-25
Company: CAVALRY INVESTMENTS, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My company closed and I was laid off work 2 yrs ago. I paid my debts as long as I could until money ran out. I was not able to pay my XXXX card last year. Calvary Portfolio assumed the debt. In XX/XX/XXXX, I started working again. I called Calvary Portfolio to see about paying my debt. By the time they sent me settlement letter in XXXX, the debt was moved to XXXX XXXX XXXX, XXXX. I contact them for a settlement letter. I finally receive one after calling several times. I try setting up payment arrangements online in XXXX. After going back and forth with them for a month, they finally tell me the problem is, they no longer have my debt, nor account. I need to contact Calvary. After repeated emails and phone calls, Calvary just won't respond. I finally hear from Calvary in XX/XX/XXXX after having to open A XXXX  complaint. They tell me my debt is now with XXXX XXXX XXXX lawfirm. I repeatedly call and email them with no repose. I open a XXXX complaint with Calvary in XX/XX/XXXX. They tell me they authorize this law firm to work with me on their behalf. I get in touch with XXXX XXXX at XXXX XXXX XXXX. We agree to settle on {$140.00} per month, for 12 months. She said she was mailing something in the mail this week. To date, I have not received anything from her. I have numerous phone messages over the past 2 weeks since I only get voicemail. They say they will return a call within 1 business day, but they never do. I open another XXXX  case against Calvary but I'm told it does not meet their criteria. Calling Calvary does nothing. I can't get through to anyone. What do I do? Not to mention, if you XXXX XXXX XXXX XXXX lawfirm, a lot of people are saying it's a scam and ripoff company, so I'm even more fearful of sending them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX and my attorney requested the full results of the investigation into my disputes and I have been refused to receive the result of my disputes despite my many attempts to the credit bureau. This is my last attempt to get the full results of the investigation into the disputes I have placed well over 60 days by law. one company agreed, after the account was paid in full it would be removed from my credit report the account was paid in full some years ago and the account is still on my credit report. PLEASE REMOVE THEM ASAP. Consumers have a right under the FCRA to challenge information in their files that they believe is incorrect. Consumer reporting agencies are required to investigate claims that there is inaccurate information, and when information is proven to be inaccurate, agencies must correct the mistake. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( XXXX ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in In accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address, and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). Myself and my attorney is in the process of filing a federal lawsuit if we don't have the full disclosure of the investigation into my disputes. As stated above the credit bureau violate my rights and the FCRA, they have discredited me and my worthiness. This is my last attempt before a federal lawsuit is filed. This is also notice of my intent to file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: AmeriHome Mortgage Company, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold, I made the payment to the new company via an online check from my bank. The payment was recieved but not applied to my loan. I have provided proof of the transaction however, they are requiring a certain type of proof which I can not get from the bank. I am attempting to refinance and this payment issue is delaying the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The bank closed my savings account without notice and still accepted direct deposits to the account after denying me access to view balances online. I've called multiple times and was told a check was mailed for the funds in the account at the end of XXXX. I mailed a letter to the bank requesting funds be mailed again in early XXXX and have not received any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Late Date XX/XX/22

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 2019-02-25
Company: LOAN SIMPLE INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Following the closing of my new home with a Conventional Renovation Loan on XXXX, construction on the interior, in accordance with the work write up, began. Several line items have been complete and some are partially complete. When the appointed General Contractor contacted Loan Simple on XXXX in order to schedule the inspection in order for her to access her first draw, Loan Simple told my GC on XXXX she was unable to do so, as they had not yet completed the purchase of the loan from the originating lender ( see attachment 1 ). 

On XXXX, I was contacted by XXXX XXXX at Loan Simple and she explained to me that the loan amount I closed with was less that what I should have been approved for. I was told that as a result, I did not bring enough cash to the closing table ( see attachment 2 ). The difference I am being told I have to now still pay is {$1800.00}. I am also told that if I can provide evidence that I also paid for the Consultant Fee and the Appraisal Fee ( which I already paid ), they will be generous enough to not double charge me and demand only {$510.00} ( see attachment 3-4 ). 

Now that I am XXXX to the XXXX XXXX for the forseeable future, and demolition having already begun in my home back in the United States, this situation is that much more aggrevating. This situation is the result of gross negligence on the side of the lender, as any of these issues could have been addressed prior to coming to an agreement at the closing table for whats required as far as my minimum contribution, and prior to me deploying.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, 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:
I received a response from Equifax re : Conf. XXXX. It fixed most of the issues but did not resolve the XXXX issue. The dates are still inaccurate and all over the map. They and XXXX need to fix it. How many times do I have to provide the same information for both to pay attention, read what is sent, absorb it and get the hint that I'm continuing to catch their errors? I'm just not clear on why they can't see what's right before them. I want it fixed and I'm not backing down. They can't seem to fix it so remove it! That's a fair resolution in my book. Otherwise they risk my suing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Evergreen Moneysource Mortgage Company
State: NV
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:
Multiple loan originations have been fraudulently originated on my behalf by Evergreen Moneysource Homeloans/ Evergreen Moneysource Mortgage XXXXEvergreen Homeloans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On or about : XX/XX/XXXX Loan # XXXX for {$270000.00} XX/XX/XXXX Loan # XXXX for {$170000.00} XX/XX/XXXX Loan # XXXX for {$140000.00} I am confused and do not understand how this could occur. This is major Consumer Abuse

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 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
An individual has used XXXX XXXX in XXXX to open and account or purchase a phone using my name. I have never been or will ever be a XXXX   customer. The amount is {$1100.00} and I have a phone number attached to my credit report that I have never seen or used starting with I believe XXXX or XXXX. I have never been in a XXXX XXXX store, never signed anything with XXXX and have never received a call from XXXX XXXX or a collection agency on this matter. I hope they have a video of this person or signatures that we can verify arent me.

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 2019-02-25
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Not sure what you can do, but this is what has happened. Peoples United Bank, XXXX has changed their online banking format. They have made it very difficult to find a transaction. What they have done is put a single column for both " DEPOSITS '' & " WITHDRAWALS ''. Now you have to scroll to find a small " minus " before each withdrawal transaction. There is nothing to tell you if it is a " DEPOSIT ''!! You have to look over to see what the check was and try and figure if it is a Deposit or Withdrawal!!! I have sent them 2 messages requesting that they give us the option of keeping the old format or choosing the new format. They said " that is not an option ''. I have never seen a system where Deposit 's & Withdrawals are lumped into the same column. Do you know how confusing this is going to be? This is not standard banking practices. If you want to add up all your " Deposits '' you have to scroll through EVERY transaction instead of just looking at the " DEPOSIT " column. This is very time consuming and you are going to miss some deposits as they are lumped with the withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 received a copy of my credit report and found the following item to be error. See the attached copy of my credit report ; the error have been highlighted. Here as follow is item in error : 1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2019-02-25
Company: CHS, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted XXXX XXXX XXXX on XX/XX/19 regarding a letter I received in an attempt to collect XXXX. I asked if these claims had been filed through insurance and was told that it was simply too late to file ( regardless of the fact that I told her we had issues with our insurance company during the time of the claims ) and that this amount would be added to my credit report by XX/XX/XXXX if I do not pay regardless of payment arrangements. When I contacted the insurance company, they were more than happy to begin the process of refiling the claims as it was no fault of my own that they were denied. 

In my opinion, this was a deceptive tactic to collect monies owed rather than inform me of my options. She did tell me I could follow up with insurance, but then said it was too late. This felt like she was leading me not to follow up by saying, " At this point it's too late for insurance to be filed. Most insurance companies only have window of time that claims can be filed. Outside of that window they will be denied ''. 

XXXX also told me that they remove negative impacts from credit reports once they are paid in full, but I paid off a medical collection bill with them quite some time ago that still remains on my report after I was promised it would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$540.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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