BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-22
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Several different " representatives '' of a company going by the name of Evergreen Professional Recovery have attempted to contact me regarding a debt owed to them. 

I have never taken out any kind of loan and do not believe in credit cards ; below is the information that I was able to obtain from them : Company name : Evergreen Professional Recovery Address : Unknown Phone Number : ( XXXX ) XXXX Amount Owed : Unknown Number of Representatives Who Called : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even warning me about it.I ask that get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX , ( Original Creditor : ) 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 2018-05-23
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I contacted the credit reporting agency on XX/XX/XXXX by writing a statement disputing debts ( XXXX XXXX XXXX XXXX and Bankruptcy ) on my credit report. They responded that the debts were " verified '' but did not provide any information on how they were verified as is what is required by the FCRA. On XX/XX/XXXX, I sent a follow-up letter to credit reporting agency regarding the method of verification and according to the FCRA, they have 15 days to respond. To date, the 15 day extension has expired and I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: HOVG, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving phone calls daily for the last 6 months or longer.from a collection agency called, XXXX XXXX XXXX XXXX. I started out not listening like they asked, When they continued to call everyday, I decided to listen so I could see if they left a number I could call them back.I found a number XXXX XXXX XXXX XXXX. I called & left a message with my Name, & phone number, and told them It wasn't the same name as they were trying to reach. I left that message numerous times & never received a call back.I do not have any Dates or address, of the company,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received a prepaid Visa  card from XXXX XXXX XXXX as part of a rebate offer for the purchase of contact lenses. The card amount was {$130.00}. The lenses were purchased in XX/XX/2018, and I believe I received the card within a few weeks of submitting my request through their website. The card came with an expiration date of XX/XX/18. I failed to activate the card before the expiration date. Two weeks ago, I started trying to contact XXXX XXXX XXXX to get them to reissue the card. Per the fee schedule listed on the letter that the card came with, my hope was that they would issue a new card with a total amount of {$110.00} ( original value of card, minus the {$6.00} plastic replacement fee and $ XXXX/month card account maintenance fee ). However, when I called the customer service number on the back of the card ( XXXX ), and finally was able to speak with someone ( it took me two times of navigating through their answering system ), they informed me that I needed to call XXXX because they were not responsible for that card. When I called that number, I was told they also did not deal with these card issues and that I needed to call the number on the back of the card ( ie the first number I called ). I next called the customer service number for the issuing bank XXXX ( XXXX ). It took me two separate calls to reach a person who could speak with me. That individual informed me that I needed to call Black Hawk at XXXX. When I called this line, the automated answering service provided no options for addressing my issue. I entered my card number when prompted, and the service stated that there was no information for my card. In reviewing XXXX XXXX XXXX and Black Hawk online, I found multiple complaints from other individuals about having difficultly retrieving their rebate funds, activating their cards and/or using their funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-22
Company: EQUIFAX, INC.
State: TN
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:
The late payments reflected on XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX are incorrect, not late on the month shown on the credit report, re investigate it and fix the accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
In XXXX I received a call that my credit card through XXXX via XXXX XXXX   had a payment due. I have never missed a payment but had not received a bill mail or digital. During the call I paid over the phone and had the agent check to see why I did not get a bill. The agent said there was no information for the account to send a bill which is false because the account has been open and use since 2013 and I have NEVER missed a payment. Even though I paid over the phone by credit report shows no payment. Customer service says my account was i active because it was marked I was deceased which is obviously wrong and why would they report a deceased persons 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 2020-01-29
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company response is not viewable! XXXX XXXX, the responder to the first complaint, does not and has not responded to the 5 voicemails I left, nor emails. I verified she was in the office but is not responsive. This is a problem since the CFPB response that I was able to view ( once ) indicated to contact XXXX XXXX directly. 
I am now not even able to access her response due to the website not working properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX apparently placed a bad debt in the amount of {$660.00} on my account for a XXXX XXXX balance. The initial report ( on my XXXX report ) shows XXXX, and they have reported the debt again as a negative item this month, XXXX. I have n't had a XXXX XXXX account since XXXX. I have had no recent account with them. The balance that was owed from XXXX was included in my Ch. XXXX bankruptcy filed in XXXX. I suspect that what XXXX XXXX and Enhanced Recovery Corp ( the original holder of the debt ) is attempting to do is illegal, and I 'm tempted to contact an attorney regarding the matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Experian Information Solutions Inc.
State: PA
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 XXXX Credit card is showing a balance and there is no balance

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 2019-08-22
Company: EQUIFAX, INC.
State: TN
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:
Please note that the following companies ran unauthorized credit inquiry on me.. They are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, TNXXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
student loan reporting incorrect and inaccurate with all 3 CRA same account information on credit file reporting 34x, agency re-payment program unreasonable monthly payment request are not within my budget and all accounts merge as 1 account not 34 accounts, remove data from file ... agency violated FCRA provisions 605,607, 611 and 623 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2018 I received an email containing a username and password to access a loan document exchange portal with my bank. At the time, I used a family member 's WiFi to login into my account. 3-4 hours later when I came home and tried to login to the portal my password and security questions were changed. I then contacted my bank to have them reset the password. On XX/XX/2018 I received an email about an attempt to login to my email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Consumer Portfolio Services, Inc.
State: VA
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: Problem with personal statement of dispute

Complaint:
To the lender : Hello all, Im writing this letter hoping to finally get a resolution to an ongoing issue that Im having with Consumer Portfolio Services. 

Years ago, my vehicle was repossessed at the end of my loan ( I was behind in payments by 2 months when my loan matured ). My car was repossessed in XX/XX/XXXX. I recovered the vehicle in XX/XX/XXXX. 

Again, I recovered my vehicle and paid the balance of the loan in full. 

Since then, I have tried very hard to improve my credit and financial status. 

I am now trying to qualify to buy a home. 

***CPS has reported to the credit bureaus, continuously, that not only AM I CURRENTLY 90 days late, but that I have an active repossession. CURRENTLY! *** I own my vehicle in full. You have your money. 

This reporting is hurting my ability to qualify for a home and prosper in other areas of my life. 

I have reached out to your accounting department to beg them to remove the item and that route has been unsuccessful. Ive been trying for months with no help. 

In addition, a recent report was entered from CPS that I was late again! How can this happen? ( screenshot below ) I understand that your company can leave those items on my credit for 7 years and that its up to your discretion as to whether you want to continue reporting this or not. 

Im at my wits end trying to figure out how to fix this and I am begging you for help here.

Its been OVER four years since Ive paid the loan in full. 

Our business is done and was a win/win for both of us as far as your company receiving interests and fees, and me owning my vehicle clean and clear. 

Ive paid my dues. 

Please! Be kind and help me by removing the item from all three credit agencies completely. 

Thanks much for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
As a former XXXX XXXX for 36 years, I am writing to report what I feel are unfair and deceptive acts or practices made by both Citi Bank and XXXX XXXX. 
I recently received notification from the banks referenced above that my credit line has been lowered due the reasons listed below : Proportion of balances to credit limits is too high on bank revolving or other revolving accounts Lack of recent installment loan information Amount owed on revolving accounts is too high Time since most recent account opening is too short This deceptive practice is balance chasing which means that instead of freeing up credit, the customer has less available credit due to the lower credit limit. The banks are beginning to engage in this practice to limit their risk by reducing the amount of a particular borrowers available credit. 

Balance chasing is more likely to occur if the cardholder makes larger payments or may appear to be a high-risk borrower who makes late payments or defaults on other credit cards or loans. An unintended consequence of balance chasing is that even though debt repayment is responsible consumer behavior, it can make it difficult improve a credit score, such a FICO score. 

Another issue with this is that my credit utilization has increased since the banks reduced my credit line. It has also impacted my credit score making it much more difficult to be approved for credit so that I may consolidate my debt as I have done in the past. It is just a matter of time before I see a rate hike due to this unfair practice. 
My credit history has been solid, so it is not clear to me as to why there is a lack of recent installment loan information seeing that I had two automobile loans from XXXX XXXX XXXX XXXX and XXXX XXXX and was paid in full on XX/XX/XXXX and XX/XX/XXXX, respectively. 

Please note that as of XX/XX/XXXX my credit score was XXXX and is currently reporting at XXXX as of XX/XX/XXXX. I have always made my payments in a timely manner and my credit has remained in good standing for many years despite what is stated above. 
The average age of my accounts is 7 years and 5 months with the oldest account 17 years and 6 months. 

My newest account was opened recently at a furniture store back on XX/XX/XXXX. I also had two personal loans I took out with XXXX XXXX that were paid in full as of XX/XX/XXXX and XXXX XXXX, XXXX. 

I understand that the economic conditions have worsened due to the COVID-19 pandemic and that may be a reason for banks showing their reluctance to lend. However, consumers that reflect a solid credit history with favorable credit scores should not be penalized. This appears to be another tactic to raise their interest rates and bottom line.

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 2019-08-22
Company: Experian Information Solutions Inc.
State: VT
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 Lease with XXXX XXXX  XXXX was up on XX/XX/XXXX. I was negotiating a new lease/purchase with the local XXXX dealer and told XXXX that. They said they noted it and then I began getting XXXX : XXXX calls from " XXXX '' which immediately asked for personal information i.e. DOB, Last four digits of SSN. Fearing a scam, I refused to give the info. Not being able to speak with me, they did not send me an invoice and instead reported me to the credit bureau as being delinquent, I have spent 2 and 1/2 hours on the phone today trying to resolve this ; I have paid the amounts that they said were due ( even though they did not send invoices ) and they refuse to correct the matter with the credit bureaus. 

By the way, I have never missed, or been late on any invoice I have received for 4 leased  cars : 2 from 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 2018-07-30
Company: D2 Management LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recieved a call from D2 management regarding a payday loan in which I never received. Was told this was XXXX loan from XXXX XXXX and I informed them that I havent gotten a loan and I ended the phone call

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a short sale packet ( complete including an offer of {$240000.00} ) and I was told the Private Investor refuses to review for loss mitigation options as they will not agree to accept a loss. I have been negotiating short sale for 7 years and have never for of a investor that will not participate, is this allowed? 

There is a foreclosure date set for XX/XX/2018 that we are trying to get postponed to allow for short sale consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
About XXXX to XXXX yrs ago XXXX Phones where stolen from my property.

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 2020-05-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I used my Federal Relief check to make XXXX XXXX whole while XXXX  XXXX  suffered losses commencing XXXX Covit 19 as we are in extended lock down in XXXX, New York. Hence, we are square and yet my credit score tanked 50 points!

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 2018-10-05
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Round Point Mortgage Administration and Law Firm has already sold the house to XXXX XXXX a relative or wife of XXXX, Texas XXXX XXXX to rapidly cover the Corruptions, Fraud, Scandal and Inflanted Value Appraisal of XXXX. 

A neighbor has sent me of evidence of XXXX County Judge ordering me to vacate me out of the house while I am nursing a XXXX XXXX and throwing me on the street. 
It appears that XXXX County Judge doesn't have no feeling or Care for our Military Veterans. 
Texas Laws is in favorite of all major billionaires financial Institutions and the special interest. 
On XXXXXX/XX/XXXX at XXXX Military Hours, the Sheriff and Crew will tear down the doors to enter the home.

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 2018-07-03
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received a gift card ( Visa debit ) about a few years back for {$50.00} from XXXX, with an expiration date of XX/XX/XXXX. A few months ago I tried to check the card balance on the company 's website. It could not locate my card and was also unable to register the card. I tried to use it at a store in case it worked their, but that was unsuccessful. I tried the site again today with the same result, and then called the number listed. I spoke with a representative who said she could not find the card, which meant she couldn't tell me anything that happened with the card. No transaction history, date of purchase, when it was closed, etc. So at some point, the card balance was depleted and my gift resulted in zero.

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