BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-13
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I was served a civil claim for money from Midland Credit Management. You should be familiar as a simple word search for " Midland '' in your system returns over 1600 complaints. That is only in the debt collection category. Initially I went online to pay the debt but with the pending court case I decided to call instead to make sure that the case would be dropped if I paid the debt. I called Midland on XX/XX/2021 at XXXX. I was advised by XXXX XXXX that for a payment of {$850.00}, my debt would be settled-in-full, that I would receive a letter stating this and that Midland would file a motion to have the judgement dismissed. I paid the amount in good faith and Midland has not upheld its portion of the agreement. On XX/XX/2021, I checked the state website and saw that the case was still active and no motion had been filed. I called Midland and spoke with a gentleman named XXXX XXXX who told me Midland had no intentions on filing the motion prior to the court date or providing any documentation that the account has been settled in full. I advised him that this is what I was told and that is why I agreed to settle otherwise I would have gone to the court and made arrangements with the attorney. Mr. XXXX stated that the " only way '' to dismiss a case is to show up and do it in person. I advised this is not true. you can file a motion prior to a case and the he was again being deceptive. I made it very clear to XXXX that I did not want a judgement and wanted it dismissed. XXXX told me that for {$850.00} a motion would be filed as soon as the payment cleared. The payment has cleared and no motion has been filed. XXXX also advised me that the {$850.00} would settle in full yet, the website shows they are still after the remaining {$94.00}. The website does not make mention of my payment though. In fact it states there is no payment history. Of course there was a payment made. How else did my balance go from {$940.00} to {$94.00}? Lastly, XXXX stated that the company would update their website to show the balance has been steeled in full. I specifically asked this question because I was leery of giving away {$850.00} without any sort of reassurance that the company would follow through. It turns out my concerns were correct as Midland has not followed through with any of these items. This is a violation of both UDAAP and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I emailed Navient on XX/XX/2020 requesting that they apply my additional payments to the principle because I noticed that they applied it to principle and interest. They responded on XX/XX/2020 and told me they were unable to apply my payments to principle only because I had accrued interest. Is this possible that I can not pay down my principle? I have paid so much interest on my loans over the past 16 years and my balance has barely gone down. I am now in a position to aggressively pay off my loans, but feel like my provider is making it so challenging to get ahead. This just seems unethical. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Social Finance, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
SoFi lending is reporting an account on my credit report that I do not owe. In 2017, SoFi sued me claiming I owed this debt, but I do not and the case was dismissed. Despite this, SoFi continues to unlawfully pursue collection of this debt.

I have repeatedly disputed this account with all three credit bureaus and I have written to SoFi directly to dispute the debt. However, SoFi continues to verify the debt with the credit bureaus and provide inaccurate account information.

I am requesting that SoFi immediately remove this account from my credit report with all three bureaus, including, but not limited to XXXX, XXXX, and XXXX. I am further requesting that SoFi discontinue all unlawful collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Shellpoint Partners, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A new mortgage company, Shellpoint Mortgage Servicing recently took over my home loan from the previous lender, XXXX, which recently went into bankruptcy. Neither XXXX or Shellpoint ever sent any letters, binders, payment information, or any other type of notifications. All information I obtained was through researching Shellpoint was through another " New Rez '' company that informed me that they were a debt collection agency and I had an outstanding balance of over {$8200.00}. I paid this amount fearing this new loan company would foreclose on my loan, however, there were many " late '' and other unexplained fees. Upon multiple requests to speak to a manager, they denied the requests and refused to assist in explaining how it was legal, ethical or in good faith to charge fees for anything without explaining what the fees were for. 

I received a letter on XX/XX/20 that was dated XX/XX/20 saying there was a negative balance. I have since tried multiple times to contact this company for assistance without reply. This is an unfair delinquency as I have had the funds for months but did not have any information sent to me as to the handling of my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOVERY A is reporting 2 collections account to my credit ( XXXX ) i do not own this debt and i called them and they said yes you do not have an account with us but theu still reporting the debt.

this 2 collections hurt my credit and stopped me from getting Mortgage.

i would like this 2 account to be removed asap. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: CO
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:
The 3 major credit bureaus are up to their dirty tricks again. Reporting false and inaccurate addresses on my credit files. 

they are reporting the following addresses which are INCORRECT 1. XXXX XXXX XXXX XXXX, NC XXXX ( I DO NOT LIVE IN NORTH CAROLINA ) THE ONLY ADDRESS THAT SHOULD BE REPORTING ON ANY OF MY CREDIT REPORTS IS XXXX XXXX XXXX XXXX   XXXX CO XXXX ARE THE BUREAUS THIS DUMB TO REPORT AN ADDRESS THAT IS SIMILAR BUT IN AN ENTIRE DIFFERENT STATE. THIS IS WHY THEY MAKE ERRORS ON PEOPLES CREDIT TO INTENTIONALLY HURT THEM AND RUIN THEIR CREDIT.

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 2020-06-23
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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2019-06-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is reporting 2 collections from XXXX XXXX XXXX. 
I spoke to Equifax and start a dispute but i was told this account will stay in ur credit file even if XXXX XXXX XXXX did not respond to us within 30 days they will close the case and accounts will stay and it is against my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have received multiple calls regarding loan forgiveness programs that are available with the settlement of the Navient lawsuit. From my understanding this seems to be a scam. I'm not sure how I need to handle this but I am getting multiple, harassing phone calls. They ask for very specific information and try to charge a fee for their " services. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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: Investigation took more than 30 days

Complaint:
XXXX contacted XXXX XXXX XXXX XXXX my credit report reading XXXX 30 days late ) vehicle has been paid off since XX/XX/2014. And that in the system it's showing a lien or something on the vehicle because I can't get the titles to the vehicle. I'm in the process of trying to buy a new house and this is holding up my process of what needs to be taken care of. I need to resolved the problem

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 2020-06-23
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I put a hold on my account because i believed someone had logged in and transfered money between accounts and set up a XXXX  account. Unemployment placed a reverse withdrawal from my account and now its negative apprx {$980.00}. I have went to a bank and called to have my accounts closed and to open mew ones and i keep getting referred to the fraud dept and no one has returned my calls.

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 2018-03-14
Company: TRANSWORLD SYSTEMS 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 been receiving bills from both the XXXX XXXX XXXX XXXX and Transworld Systems Inc. regarding debts on a XXXX XXXX Credit Card and a " Take it home Today '' Joint Loan with my spouse. Correspondence started in XXXX or XXXX 2017, and both companies have conflicting amounts listed as owed. It almost seems as if they are both trying to collect different amounts for the same debt. 

In addition, I sent them written correspondence in XXXX of 2017 requesting validation and proof of the debts as I had paid significantly more than what they were listing as owed. I received no response, only continued collection letters from BOTH companies. They recently took both my wife and my tax return from this past year ( in excess of {$9000.00} ) yet, there is still significant balance owed according to their website ( $ XXXX, and $ XXXX ). They only show the payment from my tax return on their site, but show no application of that tax return towards the balance of either debt. They also sent a letter of intent to garnish my wife 's wages for a debt of $ XXXX. 

I am a XXXX XXXX XXXX veteran who has been unemployed for over a year now. I have not been successful in obtaining any employment over the past year. My family and I rely on food stamps and school assistance to fee our children and my wife 's income is well below the federal poverty level. We can't get double food stamps when these crooked companies garnish my wife wages and she makes less than minimum wage ( which ill be the result of any wage garnishment. ) I would hire a lawyer, but they cost money, and that is obviously something that we do not have at the moment. Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions 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:
XXXX XXXX  of XXXX GA is fraudulently reporting that I have a credit card with them that has gone into settlement as of XX/XX/XXXX. They reported that I've been late since XX/XX/XXXX. I opened a XXXX credit card in XX/XX/XXXXwhich was closed and went in settlement and was legally settled over 10 years ago. They have now just put it back on my credit file as if I just settled the account. I've called and spoken with the credit department and they admitted fault but will not respond back any longer to my calls nor will they remove. There are several recorded calls of me talking with them and their admitting to get the matter resolved. It is my suspecting there is someone in the company fraudently hiding or stealing money and looking to see who has old settled accounts and filing that as renewed bad debt with the IRS. I disputed the errors to experian and called and spoken with one of their supervisors who also recognizes XXXX error. They have the phone calls recorded too but no one has taken action to remove fraudulent reporting. Both parties are responsible for poor consumer practices and have total disregard for one 's credit well-being.

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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 RESPONSE IS IN REPLY TO TRANSUNION REPLY TO COMPLAINT # XXXX. TRANSUNION REPLY READS AS FOLLOWS, We have reviewed your complaint along with the information you previously provided regarding this issue. According to our records, in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX investigations were initiated into XXXX of New Jersey # XXXX. In response to the investigations, the public record was verified and/or updated the accordingly. The results were forwarded to you for review. TransUnion has verified that the bankruptcy information reported in your credit report accurately reflects the public record of the United States Federal Bankruptcy Court, and is currently reported on your credit report as permitted by federal law. The Fair Credit Reporting Act allows : Bankruptcies to be reported for 10 years from the date of filing. However, it is TransUnions policy to report discharged or dismissed Chapter XXXX bankruptcies for seven years from the date the bankruptcy was filed. Voluntarily dismissed bankruptcies, regardless of the chapter filed, are reported for seven years from the date the bankruptcy was filed. Therefore, as permitted under federal law, it will remain on your file until XX/XX/XXXX. 

HERE IS THE PROBLEM TRANSUNION REPORTING, NO COURT IS REPORTING THIS INFORMATION AND ON MY CREDIT REPORT IS DOES NOT STATE THE SOURCE OF THE REPORTING. TRANSUNION IS NOT DOING A INVESTIGATION WITH ANY ONE FROM THE COURTS. AND INVESTGATIONS MUST BE DONE WITH THE FURNISHER OF THE INFORMATION CLEARLY A MACHINE DID NOT ABTAIN PERMISSION TO ACCESS OR PUT ANYTHING ON MY CONSUMER FILE. THE FCRA MAKE IT VERY CLEAR ON THE CONSENT THAT IS NEED. UNLESS TRANSUNION HAS A JUDGE 'S COURT ORDER THEY ARE IN VIOLATION FOR PLACING UNAUTHORIZE ENTRIES ON MY CREDIT REPORT. 
I WILL SEE TRANSUNION IN A COURT OF LAW. I WILL COMMENCE LEGAL FILING FOR THE MULTIPLE FCRA VIOLATIONS. SEE YOU IN COURT.

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 2021-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Bank of America never called me to refer me to debt collection. In addition, they closed my account so i can no longer log in and pay or see anything. This restricts me from working on paying my card down and never mailed nor called.

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 2018-12-06
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX is reporting a debt on my credit file that I do not owe. This Account is not mine!! I have called them multiple times to get this information corrected. They continue to tell me that this account has no balance, and they have confirmed that this debt/account is not mine. I need this account removed as it is interfering with my financing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Greetings, I opened my first credit card with Capitalone in XXXX. They closed my credit card in XXXX without any clarifications. With 100s call and emails, they recommended me to open a new credit card. I opened my new credit card in XX/XX/XXXX and they closed that within a few weeks. They keep sending me many promotional offers. Again, I opened my new credit card in XX/XX/XXXX, and they again closed my credit. Capital one is ruining my credit score. I do not understand why they closing my credit card. Why they send me promotions if they want to close it. I want justification. I need an exact reason. In my entire life, I never did any late payments. My credit score is excellent ( more than 750 ). I have no bad credit history. No one can find even a single instance which is linked to my bad credit history. I want exact clarification. Why capitalone keep closing my credit card. I also want Capital one to provide the member benefits which was part of the card during my credit card opening. I opened this credit card because they sent me promotional.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
i paid my credit card balance in full for the last month. as starting from XXXX $ balance. Experian lowered my FICO score 25Points for paying the full credit card debt. 

i called and talked to the rep from Experian and was told there is nothing they can do. 
why my credit score is decreased instead of going up by paying my credit card in full. 
i am still using the credit card and have XXXX $ as of today and will be paid next month. 
i am working as an XXXX XXXX and lowering my FICO will hurt me in term of getting jobs.

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