BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I saw that this company called Medicredit INC NC was reporting to my credit. I have no idea how Medicredit INC NC obtained my personal information. I sent Medicredit INC NC a letter received on XX/XX/2020 with 15 days to respond as to why Medicredit INC NC feels like I owe them anything. I have not received a response and Medicredit INC NC is still reporting on my credit. Medicredit INC NC actually ignored my letter then updated their account on my credit. I found out that Medicredit INC NC are debt collectors and they have been proven to violate their alleged clients rights. They are known to continuously violate HIPPA laws also. I have not agreed to pay this company for any services nor have I received any services from Medicredit INC NC

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 2021-04-12
Company: Concord Servicing Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I because a client of XXXX  XXXX, in XX/XX/2020 when I had a sewer problem in my home. XXXX  got me finance with XXXX XXXX. On XX/XX/XXXX, my account was transferred to Concord Servicing. Today I called Concord to get information on how to create an account so I could pay my bill, since I had not received any kind of communication from them. My payment is due on the XXXX of each month and I did not want late charges on my credit report. 

I was given a new account number and Web info to log in. ONCE I GOT IN TO PAY MY BILL I NOTICE THAT THERE IS A {$5.00} FEE FOR USING YOUR CHECKING ACCOUNT. THIS IS THE ONLY WAY THAT YOU CAN PAY YOUR BILL. NO CREDIT OR DEBIT PAYMENTS. I never paid a fee with XXXX, so why is Concord charging this extra fee and why can't I pay with my credit or debit card ... This is a rip off and I have excellent 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 explanation
Consumer complaint received 2020-09-24
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a credit card via Amazon which was apparently held through JPMC ( JP Morgan Chase ).

I never activated nor used the card. 

I was billed for XXXX but did not know. I had previously used another card for XXXX. 

Amazon removed the fees for XXXX  ( it was never used ) but JPMC added late fees for a card I never used, and reported late fees as late payments. 

I made countless calls where I was told I would have the fines by JPMC removed and would have a {$0.00} balance yet it took months of calls to accomplish this, and despite closing the card, and at one point having a {$0.00}, another fee accrued on the card - I had not idea because I was not using the, but again was reported for late payment despite paying off the card and closing the account. 

Now my credit has suffered for it. I am more than happy to pay a true debt, but late fees for cards never used, and fees on top of fees is ridiculous. 

Despicable, unethical, predatory behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-24
Company: The CMI Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Investigator Agent, I got a collection letter from a [ Credit Management , L.P. ] collection agency. Called them and they seemed to be very unprofessional bordering breaking the law with threats. This is in ( Dispute ) because I never had service through XXXX. When I called XXXX they stated there was n't a account with them under my name. Being this is { Fraud } and I 'm a victim of identity theft. The demand is they terminate this account and Stop collection activities immediately! They claim the debt is for {$310.00} cents. 
Respectfully yours, XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have been working on my credit for over 6 months and still have unauthorized and unverifiable information on my credit report. This is a violation of my rights and should be removed immediately.

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 2020-05-11
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Navy Federal Credit Union is failing to comply with the CARES Act and not allowing me to apply for 180 day forbearance of my VA backed mortgage. They offered a three month period with no additions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My credit report changed on XX/XX/2020 sending me a notification when I checked it, it stated my mortgage company made a change stating my account balance increased {$7200.00} ( having never missed or been late on a payment ) I immediately called them and spoke with XXXX XXXX, who stated he could see no reason/note on what changed and that someone would contact me. 

Prior to all this, I had contacted the mortgage company about delinquent taxes ( taxes are to be paid, per my loan, by the mortgage company ) I had received a bill from the tax collector stating unpaid. When I called, I was told very rudely that they would be paid and the mortgage company who had my loan ( XXXX ) never paid them. 

When I called again on Monday I spoke XXXX and was told I had to wait till Friday, to get an answer. No one called so I called back spoke with XXXX XXXX i was driving and couldn't write her # down ) I was told there was an error and it would be corrected the amount of the increase was not what was reported, I stated there should be no increase I have not missed any payments. She put me on hold, then came back 15-20 mins later apologized having me on hold so long, and asked if I were still there and said someone would call me. No calls came, I then received my statement, showing my monthly payment increased, I called once again, was told there was nothing was noted in the system, though someone would call me from the escrow department. No one has called, so I just left another message as i couldn't get a live person on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX Was removed from my XXXX report but still remains on my XXXX. They relentlessly call 10 times a day. Its an old debt from XX/XX/2011 reaged to ruin my credit and is therefore violating consumer laws

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
his is not correct -- I asked the amount to get current in XXXX -- In XXXX I paid extra and asked it to be put towards principle -- I have even called and pointed out that this is still not right. They applied more to my interest. I am current and they are not applying the funds properly. How many other consumers are they doing this to as well? <P/>Account Information as of close of business : X/XX/2017 View Account Information by selecting any of the options below : Welcome XXXXXXXX XXXX XXXXXXXX Select Account Summary Borrower : XXXX XXXX XXXX Address : XXXX XXXX XXXX City, State, Zip : XXXX TX XXXX Home Phone : ( XXXX ) XXXX Business Phone : Cell Phone : Co-Borrower : XXXX XXXX Address : XXXX XXXX XXXX City, State, Zip : XXXX TX XXXX Home Phone : ( XXXX ) XXXX Business Phone : Cell Phone : Vehicle Make : XXXX Vehicle Model : XXXX XXXX XXXX Vehicle Year : XXXX Veh ID No. ( VIN ) : XXXX Last 6 Characters Contract Detail : Payment Information : APR : 16.4 % Payment Amount : XXXX Bal as of X/XX/2017 : XXXX Past Due Amount : XXXX Late Charges : XXXX Other Charges : XXXX Recent Activity : Date Last Payment Rec 'd : X/XX/2017 Total Amount Due : XXXX Last Amount Rec 'd : XXXX Next Payment Due Date : X/XX/2017 Days Delinquent : 9 Select Account Payment History Show Transactions for : Go Process Date Effective Date Transaction Description Principal Interest Misc Fee Late Fee Other Fee Total X/XX/2017 X/XX/2017 XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) X/XX/2017 X/XX/2017 XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) X/XX/2017 X/XX/2017 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 explanation
Consumer complaint received 2018-04-18
Company: D&A Services, LLC
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
D & A Services has continued to call my employer when my employer has told them more than once that I am not in the country and not permitted to receive these types of calls at work. I have no knowledge of what this could be about. To the best of my knowledge I have no outstanding debts. When they first called I returned their call and left two messages ; neither were returned. Their continued harassment of my employer is jeopardizing my job. I am receiving these calls from a man who states his name as XXXX XXXX from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint was closed as a duplicate. It is not a duplicate. This is a complaint of fraudulent charges made in my name by XXXX XXXX XXXX. My complaint against them was originally referred to the FTC by the CFPB and was never responded to. The debt was then purchased by XXXX XXXX XXXX. XXXX is a property management company. XXXX XXXX was the name of the apartments. The original amount was {$1500.00}. They added a recent unknown balance. Now the new balance is {$2000.00}. They provide no explanation for where this new charge of {$500.00} comes from. I do not see how this meets the requirement of the Fair Credit Reporting Act. I do not see why it is not being recognized as identity theft. Charges trumped-up in my name. Both XXXX  and XXXX   have recognized the account to be fraudulent and have removed the account. XXXX  continues to report this fraudulent account. I have an ongoing complaint with CFPB against XXXX  about the inaccurate reporting. XXXX XXXX   never provided any evidence of these charges or where they came from. I was sent a simple letter by the company listing many fraudulent charges in the amount in question. They claimed they were damages that did not exist. They provided no photographic evidence. This company has had several reviews of the same problem occurring. I was offered no recourse in protesting the charges. The item was placed on my credit report before I knew what happened. I have had trouble removing this fraudulent account ever since. It has changed collection agencies twice so I can not sustain a complaint. It was last Credit Bureau Associates. I have also been unable to obtain suitable housing because of this fraudulent property lien placed on my credit report. I am including the information for XXXX  as well as XXXX XXXX XXXX. Please investigate this matter thoroughly. Do not close it off as a duplicate. I asked that this matter be reinvestigated thoroughly. I will not file a duplicate complaint. This matter must be resolved. I'm on SSI. I'm unable to pay this amount. I am in danger of becoming homeless. I'm a veteran of the XXXX XXXX. If the matter is not resolved in this complaint my only recourse will be to bring civil action and contact my State 's Attorney General 's office. I would appreciate any help. Thanks so much. I attached copies of the letter to my last complaint that was marked as duplicate. I can no longer upload those documents. Please locate and review them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: COMPUTER SCIENCES CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
CSC LOGIC inc, XXXX XXXX XXXXXXXX has several contact phone numbers on the statement. Two numbers placed me into, respectively, a survey about whether the XXXX are a good place to vacation stating that participants might win a free trip, and an offer for a " free '' {$100.00} shopping certificate if I paid {$4.00} shipping. In both cases there was no option to skip the advertisement. If I refused to answer the company hung up on me. I tried to open an online account to get information off the website but the statement did not list the site code required to open an account. In the end I called the collections number. When I told the collections rep I was filing a complaint with the CFPB she answered my questions about interest rate and calculations. She told me the number with the ad was the actual customer service department. I had called because two payments were reversed and reapplied with significantly higher interest amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: MOHELA
State: MA
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 sent Mohela a Validation Of Debt dispute asking for validation of the debt claimed ( copy of letter attached ). As of today XX/XX/2021, I have not received any proof of validation. This is in violation of my consumer rights under 15 U.S. Code 1692g and 809 of the FDCPA. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX is providing incorrect information regarding my mortgage and the dispute that occurred with my mortgage. They are stating that as they received the mortgage that the account was past due but in fact it was not. If look at the XXXX XXXX XXXX entry, they state I was only 30 days late prior to the transfer which was also incorrect because XXXX actually transferred my final payment or two to XXXX which records should clearly show. Even if that transfer did not occur, you can't go from 30 days late to 180 days late in 60 days which should be pretty obvious. 

In reality XXXX should remove this entry altogether although I am guessing that will need to be settled in court because all of this happened due to XXXX XXXX XXXX 's failures in servicing which XXXX then supported and also failed to resolve, except oddly, their attorney 's who filed the foreclosure did make the corrections indicating XXXX knows the issues were valid in my favor, they still did nothing, they know the 'claims ' and now representations are false ... XXXX also failed to provide initial and required servicing documentation ( they sent it four months later back dated ) and really all they were great at was harassment and threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have submitted multiple disputes with Transunion via Transunion direct dispute online regarding incorrectly reporting late payments for a XXXX account. The reinvestigations per Transunion were said to be confirmed by XXXX to be reported accurately. I have since submitted disputes with proof including statements from my bank and statements/emails directly from XXXX admitting they had inaccurately reported lates to the bureaus, without any success. Additionally, on XX/XX/XXXX I submitted a complaint through the CFPB, with no success. Transunion wont even reconsider my dispute, with the proof. I have attached proof from the company themselves stating they inaccurately reported a 30 day late XX/XX/XXXX, a 60 day late XX/XX/XXXX and a 90 day late XX/XX/XXXX. This needs to be updated as its affecting my credit and negatively impacting my current creditors willingness to extend and/or keep my credit lines open! Ive already had lines decreased because of consistent inaccurate reporting! I have also disputed with XXXX  and XXXX, both of which currently reflect the account as current with no negative information or lates reporting.

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 2019-06-16
Company: Duvera Billing Services, LLC
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had to get some work done on my car roughly around XX/XX/XXXX. At the time I could not afford the total amount of {$600.00}. 
The gentleman at the register at XXXX XXXX XXXX XXXX suggested I finance the amount of the repairs, which I agreed to and signed. 
A couple of days later I receive a call from XXXX XXXX saying that they had purchased the contract from the XXXX XXXX XXXX XXXX and they would be collecting the payments. 
XXXX XXXX and I discussed the terms of the agreement, which we agreed to. We proceeded to set up EFTs through my XXXX XXXX account which I suggested. 
A few day later I received a welcome letter from XXXX XXXX, reiterating what we had discussed a few days earlier. ( See Welcome Letter Attached. ) The problem happened after they attempted to continue withdrawing funds from my account via EFTs from my XXXX Bank Account. 
I call on XX/XX/XXXX and spoke with XXXX asking why they were attempting to withdraw money from my account after the agreement was fulfilled? ( See EFTs withdrawn from XXXX XXXX Attached ) According to XXXX that was not the contractual agreement and I owed roughly another {$600.00} plus, on top of what we agreed to verbally, and in writing referencing the terms via the Welcome Letter. 
XXXX XXXXXXXX has reported this on my credit report as a collection account. Even as per the agreement I fulfilled my financial obligation for services rendered. 
Also, they have consistently called and ask me to make some kind of payment arraignment for the remaining balance. 
Which I have painstakingly told them the obligation has been fulfilled and I have the letter, and withdrawals to confirm I owe nothing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Ditech received a complete loss mitigation application on XX/XX/2018. Ditech reviewed the loan for a modification and the request was denied. The enclosed loss mitigation denial letter was sent to our attorney on XX/XX/2018. Ditech apologizes for any inconvenience or confusion you have experienced as a result of this issue. In a further effort to assist you, Ditech submitted a request to the investor for an exception to approve the modification, but the investor denied the request. 

The investor is XXXX XXXX. 

We asked to get on a repayment plan that XXXX XXXX  offers on " Know Your Options ''. What is a Repayment Plan? With this option, you spread out your past due amount added on to your current mortgage paymentsover several months in order to bring your mortgage current. A Repayment Plan may be an option if : You are ineligible or dont want to refinance You are facing a short-term hardship You are a couple ( or several months ) behind on your mortgage payments You can now afford your monthly mortgage payment Ditech stated we can't apply for a repayment plan. 

It appears Ditech and XXXX XXXX are not trying to work with us on our mortgage. There are several options to help homeowners however we've been denied on the services that are offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
* 'XXXX XXXX XXXX ' advertised an offer and i signed for, but it was a false advertisement. They were offering a XXXX  loan and the payback was over 30,000. Therefore i think they have to remove the hard inquiries for false advertisement. 

XXXX Capital one sent me letter of pre-approval for car refinance, and i ended up with Hard inquiry. 

* I do not remember much about the XXXX XXXX XXXX I only do not want those inquiries last any longer on my credit report

Company response to consumer: Closed with non-monetary relief