BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-05
Company: ERC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On  XX/XX/XXXX , I checked my credit scores from  XXXX ,  XXXX , and  XXXX  in order to obtain refinance for our mortgage loan. My credit scores with all   XXXX   (   XXXX   ) credit bureaus were low due to   XXXX   XXXX   XXXX   and their 'third party collection agency, '' ERC.   XXXX   XXXX   XXXX   had referred my account in the amount of {$160.00} to the collection agency ERC. I had filed a complaint with Better Business Bureau against   XXXX   XXXX   XXXX   regarding my cell phone billing. My complaint is based upon cancelling my services due to poor coverage, making monthly payments, and billing from their third party ERC, collection agency. Prior to that, I had an old account with   XXXX   XXXX   XXXX   then when I signed up again it went to another account. I spoke to   XXXX   XXXX   XXXX  , Manager Executive Response regarding the billing problem on  XX/XX/XXXX . As he had indicated on the BBB response that part of the payments paid off the balance on that account and the overpayment was refunded. There was a credit balance on the account that he transferred to the account in question. I had mentioned about the refund. Subsequently, as consumer I rebutted to the business response.   XXXX   XXXX   XXXX   response that I work with the third party collection agency to settle the balance. On  XX/XX/XXXX , I contacted   XXXX   XXXX   XXXX   third party collection agency, ERC, to settle the account. I talked to   XXXX   XXXX  , ERC representative and the settlement owed is {$81.00}. We discussed settlement payments for  XX/XX/XXXX  in the amount of {$40.00} and  XX/XX/XXXX , {$41.00}. ERC attempted to charge me {$28.00} in order to initiate this transaction, which I was not willing to pay, then offered me {$8.00}, and again {$2.00}. As per my phonecon with   XXXX   XXXX  , I told him to waiver it since I am a  XXXX  veteran,   XXXX   XXXX   XXXX   and living on a fixed income.   XXXX   XXXX   XXXX   hired ERC, third party to collect a debt which drastically affected my credit scores and prevented me from refinancing my mortgage, obtaining a loan, or purchase a brand new vehicle. This is totally unfair and it appears on my credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 submitted a dispute to TransUnion on XX/XX/XXXX for two companys the debt has been closed and settled for {$230.00} on one account the other is for auto it was closed and transferred to another collecting party. TransUnion did not validate the information i called on XX/XX/XXXX spoke to XXXX XXXX and her supervisor XXXX XXXX they stated they are in XXXX, they stated they did not receive proof from the companys during the dispute only that it is still on my credit report as owing from their electronic systems they use to communicate with companies. XXXX the supervisor stated i have to call the companys directly to dispute the matter i tried to explain to him disputes go directly to the credit bureau and since they did not validate my debt correctly and it has been way more than 30 days they have to remove it from my report by law. He stated no because they finished the dispute on XX/XX/XXXX and only received a verbal the debt is owed. I asked XXXX how they sent the response to me when the dispute was finished she stated by email i asked her what email it was sent to she could not provide it and asked me do i even check my email because it should be in there i once again asked her what email she could not provide the information. I asked her when the dispute was finished She stated the dispute was finished on XX/XX/XXXX then later said she said the XX/XX/XXXX. TransUnion employees are not following the law by correctly validating a persons dispute/debt they are only receiving verbal confrimations from companies both employees confirmed that during the conversation.

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 2018-07-14
Company: Experian Information Solutions Inc.
State: IL
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:
Im writing in regards to XXXX XXXX XXXX XXXX account # XXXX Under the laws of the State of Illinois UCC ( 810ILCS5/ ) UCC code, and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies.

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 2018-04-04
Company: McCarthy, Burgess & Wolff, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am disputing the following information that a collection agency ( listed below ) provided to XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX   The incorrect item should not be listed on my credit reports.

This item is inaccurate because it is an unauthorized charge that I do not recognize. The charge is not legitimate. Therefore, I am requesting that the collection agency remove this incorrect charge as soon as possible. The alleged debt is invalid and the creditor has violated my consumer rights as stated in the Fair Debt Collection Practices Act.

I am requesting this matter be resolved and removed, I appreciate your help with this matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Waypoint Resource Group, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notification that Way Point Resource Group has opened a collections account for {$180.00} for XXXX in my name. I was a XXXX customer until summer of XX/XX/XXXX at which time I cancelled my services and returned all equipment. I was told my account was settled and the matter closed. I then received a collections letter on or around XX/XX/XXXX from a XXXX XXXX XXXX alleging that I owed {$220.00} to XXXX for unreturned equipment. I advised them that everything was returned and that my account was paid and asked for validation of debt ( please see attached email ) They responded that they would process it and mail validation. I never heard anything and the account disappeared from my Credit report so naturally I assumed the matter closed. Now I receive notification that I have a new collections account for XXXX for {$40.00} less. This is absurd and I have tried calling Way Point but  have not been able to get through. I only get an automated system that says " Please hold for the next caller '' I do not owe this debt, all equipment was returned and everything paid. You are damaging my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Requested a new account opening online on XX/XX/XXXX and was told that follow-ups were required. Two options were presented ( mail and in-branch ). I opted to go in branch to complete the application. Went into branch on XX/XX/XXXX ( XXXX XXXX XXXX, XXXX ) and representative said they could n't complete the application online and needed to open a new account ( which I obliged ). Once complete, I received written and email notifications to complete my online application. When I called back/online chatted, I was told to ignore the notifications as my account was setup. Fast forward to XX/XX/XXXX when my account was closed down. Furthermore, I had a {$1000.00} direct deposit setup for XX/XX/XXXX which BMO Harris branch ( I visited the same XXXX on XX/XX/XXXX ) claims that they ca n't see despite what the online support team says. I am now without a bank account and {$2600.00} ( direct deposit amount from employer plus the existing balance that was mailed to 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 2018-04-04
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
OnXX/XX/XXXX at XXXX, I received a text msg from citibank fraud dept. that they allow a transaction from XXXX with the amount approximately of XXXX and XXXX. I immediately replied " NO '' and called them right away. They cancelled the card and reported it stolen. But they rollover the said transactions on the new card. Now, amounting to about XXXX and XXXX. I disputed the transactions again on XX/XX/XXXX.  Which they resolved. But nowXX/XX/XXXX, the XXXX transactions showed on my account again but went up to XXXX and XXXX. I don't have a XXXX app nor have I used XXXX as a transport. I called them and they cancelled the card right away. I don't know what to do at this point it looks like they've been ignoring my complaint. I already informed them to block any transactions from XXXX when I called them last XX/XX/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 2020-02-12
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: Account status incorrect

Complaint:
One of my accounts is showing closed, when it should be showing as still open. I have been faithfully paying on it for the past couple of years ( which shows on the credit report ), but the account is erroneously showing a closed status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is a follow up on complaint # XXXX. Loan care sent me a letter mentioning that they reached out a insurance company called XXXX which has not have my policy FOR OVER 3 YEARS and ignored my multiple documentation sent from SECURITY FIRST which is my ACTUAL insurance policy for the house AND that includes FLOOD INSURANCE. I also reached out to XXXX XXXX and they faxed the required documentation on XX/XX/XXXX AND XX/XX/XXXX and the issue still without a solution and Loancare still charging me a {$3000.00} flood insurance. 

Lastly, on their letter they sent me a customer care number with an extension number that doesn't exist ( extension XXXX ) and the number goes directly to a voice mail. 

These are deceptive and illegal practices where this organization ignores the proof of insurance and charges home owners ridiculous amounts for a policy that was never needed. 

Because this deceptive and illegal practice, my monthly payment moved from {$2300.00} per month to {$3100.00} this upcoming XXXX which will be impossible for me to pay. 

Please investigate and DO SOMETHING! 

Kind Regards XXXX XXXX Loan # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover Credit Card On XX/XX/2019, I had called to verify that there had not been any issues with my Discover Credit Card as there has been a slew of credit cards being stolen from our mail box. Called a Discover Card rep and was told there was no issues and they would send me a new card just in case. 

XX/XX/2019 called to activate new card and was told the account was closed by " me '' on XX/XX/XXXX when I was just told the previous day I had no issues. 

How can a company allow for someone to provide no information to verify them being the owner of the account and request the account be closed? There is no accountability with them as they said they can not do anything to reinstate my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus are still reporting inaccurate items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
State: MD
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:
My credit report shows inaccurate information. An account on my credit report has been re-aged ( XXXX XXXX XXXX ) which is a very serious violation. I have a proof showing that. I have sent a letter to the credit bureaus to notify them but they did not reply to me, it has now been more than thirty ( 30 ) days and the inaccurate information is still on my report. I have the USPS return receipt showing that credit bureaus received my letter almost 2 months ago and they have still not replied to  me. In addition of being re-aged the XXXX  XXXX XXXX account shows a lot of inaccuracies such as incorrect payment history, incorrect high balance, incorrect credit limit

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 2020-05-16
Company: Experian Information Solutions Inc.
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:
I've been attempting to get Experian to UNFREEZE my credit. They won't. 

I submitted my request in writing : Copy 's of my personal identification ( drivers license ), Social security card Auto insurance bill. JUST AS THEY ASKED! I even sent a copy of my birth certificate! 

I need to apply for a credit card to help me survive the Covid-19 lockdown. I believe it is racism. Experian knows I'm a XXXX man and they're attempting to make sure I can't use my credit. They changed my password OUT OF THE BLUE and will not allow me to log in to UNFREEZE my credit. 

Why does the CFPB continue to side with them? 

If I get another reply asking me to send my personal information in the mail I will hire an attorney. I will use these messages and mail receipt as proof. I will sue for discrimination.

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 2018-04-03
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX. is attempting to damage credit and collect debt purchased from unknown account. This company is not registered with Ohio Secretary of State to collect in Ohio where I live.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-07
Company: Navient Solutions, LLC.
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My ex boyfriend took out loans with XXXX XXXX ( currently Navient ) and put me down as a co-signer without my knowledge. Navient calls me repeatedly throughout the day even though I have told multiple representatives that I am not making payments on these accounts. They have also told me these deliquesces have been reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was laid off and still trying to manage everything at the time my mortgage was {$820.00} rounded off. I was attempting to pay something every other week to stay on top of things. I was making my payments through the automated system until I was unable to do that so I then started calling in to make payments, some agents would take payment and some wouldn't take payment because it wasn't the whole amount. It's been a couple of things I find strange. 1. My mortgage went up and I didn't have a clue about it going up to {$940.00}, so everything that I had been paying was based on the {$820.00}. 2. I received a letter stating that an amount of {$3300.00} was due on XX/XX/XXXX. I called in concerning making a payment in XX/XX/XXXX, and of course, at this time no payments are being taken from me because the foreclosure process had started. Not only that I was told a completely different amount of the {$3300.00} that was in the letter, it was then {$6000.00} plus. I asked how did it go from {$3300.00} to {$6000.00} plus and never got an answer on that for me to understand why the letter stated one thing, and I was being told something else. I then asked about my options to see what could be done to save the house. I'm a little confused or don't completely understand the law about going through a modification process and being in foreclosure at the same time. My First sale date was XX/XX/XXXX, and now XX/XX/XXXX. It seems that we're spinning wheels now in this process because I'm being asked for the same documents over again that CitiMortgage has already requested and I provided to them. This request was made on XX/XX/XXXX, which I submitted to them through XXXX on XX/XX/XXXX. Based on the email from XX/XX/XXXX and a letter I received from CitiMortgage stated that the documents asked for in the email and the letter are the documents needed to determine the final decision. I received an email today stating that the file has been sent back for review, as well as two text messages on XX/XX/XXXX and XX/XX/XXXX stating that my application is with underwriting which can take 30 days and they will keep me advised.

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 2020-09-01
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
There are two companies involved in the debacle of my mortgage origination : XXXX XXXX and Guaranteed Rate mortgage. I was refinancing my mortgage and when I originally applied I had about {$120000.00} left on the mortgage. Their good faith estimate said it would be {$130000.00} rolling in all costs to account for anything that might creep up during closing. When we got closer to closing it became clear that the XXXX was more than {$3000.00}. Because we were at the end of the process they did not want to send the mortgage back to underwriting. Rather they said they would give me a credit at closing of {$1000.00} and a principal reduction that should have reduced my mortgage to {$130000.00}. I have been going back and forth with the mortgage company. They acknowledge it is an issue. I happen to be good at math and kept correcting mistakes in their paperwork. I wonder if people that were not as good at math would have found this. When I received the login to the website three weeks ago it says I owe {$130000.00}. It is unreal how much follow up I've had to do to correct this. The mortgage company says it was a mistake by the title company. The title company is owned by the CEO of the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Have contacted Equifax directly, sent the FTC and they are still failing to do a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus are still reporting inaccurate 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 explanation
Consumer complaint received 2020-05-16
Company: Experian Information Solutions 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:
Experian is showing my name as XXXX XXXX date of birth XX/XX/XXXX This is incorrect my name is XXXX XXXX XXXX date of birth XX/XX/XXXX Because of this there are false collections being reported to my credit report damaging my credit score making me unable to get a job or a house please remove this information 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