BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-25
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for  all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 filed a dispute in regards to the incorrect items on my report. Its been way longer than 30 days and I have not recieved any investigation results.

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 2020-08-28
Company: EQUIFAX, INC.
State: MO
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, Equifax, and XXXX  are reporting incorrect information on my credit reports. There are 3 late payments that's reporting unverifiable late payments of 30 days with XXXX XXXX XXXX, and XXXX XXXX which is the same company. 

XXXX shows that I opened an account in XXXX of XXXX and had one late payment in XXXX of XXXX, it was a revolving line of credit. Equifax, shows this same account with a different account number as a revolving line of credit with my XXXX payment on time, but my XXXX payment late. XXXX, is reporting this same account with the account number the same as the Equifax report, but my XXXX payment was on time and my XXXX payment as late. The information is not consistent across the three reports for the same account. I have asked that this information be verified multiple times and have been unsuccessful to date. 

These same credit reporting agencies are reporting that I opened an account in XXXX of XXXX. On this account XXXX  is reporting it as a revolving line of credit with one late payment in XX/XX/XXXX and XXXX of XXXX and one late payment in XXXX of XXXX. 
Equifax is reporting this same account with a different account number under the company name of XXXX XXXX as a revolving line with a late payment in XX/XX/XXXX and XXXX of XXXX. 
XXXX  is reporting this account with a XXXX limit ( the other account have no limit ) as a revolving credit with late payments of XX/XX/XXXX XXXX of XXXX and XXXX of XXXX and the account number is the same as the one on the Equifax report.

These 2 accounts are infact duplicate accounts and I have never paid late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX shows incorrect information on my credit report being reported by Transunion. Information does not belong to me and is due to possible fraudulent mishandling of my personal data. Have disputed this with both the debt collection agency within 30 days of knowing as well as with Transunion. Information still remains. I ask this be updated accordingly.

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 2018-02-09
Company: Professional Medical Management, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a medical collection account on my credit report from XXXX XXXX with an Original Balance of {$1500.00} and Current Balance of {$820.00}. This collections account was opened on XX/XX/XXXX. The Original Creditor is XXXX XXXX XXXX and the Date of Service was XX/XX/XXXX and the original balance with XXXX XXXX XXXX was in the amount of {$1600.00}. 

I made the following payments to XXXX XXXX XXXX {$64.00} on XX/XX/XXXX and {$15.00} on XX/XX/XXXX. 

I then made arrangements with XXXX XXXX XXXX and paid a settlement amount of {$750.00} on XX/XX/XXXX. XXXX XXXX XXXX accepted my settlement payment and cashed my check on XX/XX/XXXX. This XXXX XXXX collections account should be removed from credit as I no longer have a debit with XXXX XXXX XXXX ; however XXXX XXXX is showing my settlement as a regular payment and have been reporting negatively as collections account on my credit reports ever since.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
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:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Haven't received a promo bonus for opening bank account, I have completed all requirements.

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 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed some item on my credit report, via letter, that, I believe is not mine, and asked for validation, which is due within 30 days. I received a response saying the accounts were verified, but nothing showing how the accounts were verified and validated. According to the laws, validation is required within 30 days or the accounts has to be removed. Accounts reference is : XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX? 
XXXX XXXXXXXX XXXX Account # XXXX I opened a case in XXXX ( case # : XXXX ) and still yet to hear anything back regarding validation. I have waited patiently and would like answers. It has definitely been over 30 days and according to the law, the accounts has to be removed.

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 2018-03-28
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage for two months and attempted to make up a payment arrangements with the company ; however was unsuccessful. When I made a payment, it was returned to me. I received a letter from their lawyer stating that I was in default and property will go into foreclosure if full arrears wasn't paid. I did not have the monies to pay the amount in full. When I called the lawyer office, they did not have a resolution for me other than pay the amount. I called the mortgage company and they suggested that I attempt to apply for a loan modification. I completed the application with the help of Neighborhood Housing Services of XXXX. I received a court date. Filed my answer and appeared in court. Court appointments lasted from XX/XX/XXXX to XX/XX/XXXX. I completed the full application about five times and additionally, continued to send them additional pay stubs, bank statements, hardship letter repeatedly every month. I kept in constant communication with the lawyer who all documents were sent directly to ; however, every month I would receive a letter stating that my modification package was incomplete. Every court appearance was dealing with documents that they did not receive hat I had fax confirmation to sending to the lawyer office. The judge lost his patience and dismissed it for myself and the bank to complete. I felt that filing Chapter XXXX was best to save my home but I would like for a fair chance at modifying the loan and dismissing the bankruptcy. I feel that I was not treated fairly. The communication between the mortgage company and myself was very poor and I feel as if I was given the run around from the beginning. My plan is to remain in my home. I now have sufficient income to sustain ; however, I can not afford to pay the bankruptcy and mortgage and maintain my home. I do not want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
<p>I have two vehicles financed with RBFCU. My goal was to pay off both of these vehicles ( about XXXX owed on each vehicle ). I was eager to pay these off since I'm refinancing my home. My lender needed my debt to income reduced in order to accomplish my goals for the loan.</p> <p>In the early days of XXXX, I tried to make the payments for the total payoff amounts for each loan. For some reason, this was not possible through the online portal which I use to make payments on these loans every month. It forced me to call in order to process a payment. After a few days of attempts, I finally was able to wait on hold long enough to get someone to XXXX XXXX XX/XX/XXXX, I spoke with a rep that determined the total payoff amount for each loan. She told me the interest would have to be two days in the future since that's the amount of time the ACH payments would take to go through. I agree. I then see the total amounts taken from my checking account to payoff each loan. So, those accounts should be closed, right? WRONG! </p> <p>Two weeks later, today, XX/XX/XXXX, my mortgage lender informs me there is still an amount owed on one of these loans. To my surprise, I log into my RBFCU account, and sure enough. It is still open and has an amount still owed of ~ {$1400.00}. Even more to my surprise, there is an additional amount of money in my savings account that is that amount. </p> <p>I quickly make a payment from the savings account to the car loan account in order to pay it off in hopes of moving forward with my mortgage loan. However, this has caused a lot of hassle and could potentially cause me to not be able to close this month. If I can't close this month, I have to pay another month of higher interest, rates could slip, etc etc. </p> <p>The fact is, my payment was wrongfully routed at the discretion of a bank employee to an account I didn't advise. This is ( significant ) costing me money in the form of interest and potentially other fees, ESPECIALLY if mortgage rates increase.</p>

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have previously filed a complaint/request with the the CFPB ( complaint # XXXX ) and in a previous instance, a written request with the COMMUNITY CHOICE FINANCIAL, INC. ( CCF ) to have all application data and any records provided to me in reference to an account that was fraudulently opened in my name by an unknown actor.

After CCF ignored my written request for these documents, I filed a complaint with the CFPB. Albeit very timely, the response submitted back to CFPB did not address the request. Their response was simply to restate what has happened and not address the request.

This submission serves as my third request to receive the application and account information associated with an account CCF opened fraudulently in my name. I have provided all necessary documents and appropriate filings adhering to the Fair Credit Reporting Act ( FCRA ) for identity theft victims. As of the date of this filing, CCF continues to shirk their responsibility to comply with Section 609 ( e ) of the FCRA. 

My request is simple, provide any and all application information, logs, account maintenance, physical addresses, email addresses, cellular or landline phone numbers, authorized users, co-applicants, checking/routing account numbers, etc. that were associated with this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SANTANDER CONSUMER, has had the amount of {$5700.00} on my credit for the past 10 years, this amount which was supposed to be paid off by the GAP insurance company at the time off my accident. 
The vehicle was a total loss deemed by the insurance company, after 6 months the balance was placed on my credit and when I called to find out why they said ( SANTANDER ) never called the GAP insurance provider to have the balance paid in full. ( which was not my fault ) This has been on my credit for the past ten years, which is past the statue of limitations. 
And the balance keeps going from a collection account, to now back to a OPEN charge off account. 

Also the account is currently showing an incorrect payment date, is has a last payment made of XX/XX/XXXX, but my last payment made was back in XXXX since the accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: NDS, LLC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I want to refinance the property where I live from XXXX in XXXX XXXX & found out lien against me file by XXXX XXXX XXXX XXXX XXXX & recorded on house , which I owned in XXXX XXXX & never used for living. That company never provide to me any legal documents & information about that lien. 
When I call XXXX XXXX, I found out that he collect debts for XXXX XXXX, which I owned {$1000.00}. His Abstract of JUDGMENT, which he file on XXXX show amount {$3500.00} & his demand in Escrow show {$5500.00} plus additional interest for each next day. When I found out about this & call to Mr. XXXX to resolve that issue, he told me, because I need to do refinancing, he can charge me as much as he can. 
I did remember, XXXX XXXX  send me a letter, after entering into agreement with the US Consumer Financial Protection Bureau on XXXX, State Attorney General and the office of Controller of the Currency on XXXX. XXXX taking certain steps regarding my account and no longer try to collect money or file any judgment against me. 
I didn't understand why XXXX put lien on property, where I never live & brake a government rules.

Please, help me received relies on this judgment ASAP, because everything done for my refinancing except this issue. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are contacting me in regards to debt that is beyond 7-10 years.this debt has been removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am a XXXX on XXXX XXXX orders since XX/XX/2019, and I fall under XXXX and I called USAA about reducing my interest rate to 6 % and was that effective XX/XX/2019 that they do not do that anymore and that was just a program offered by USAA. I told them that was a law and they said they do not follow it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Since XX/XX/XXXX, Navient Corporation has stopped sending monthly billing statements for three ( 3 ) student loans that my step-son received in XXXX. There are three ( 3 ) loans involved - I am the Co-signer of one ( 1 ) of the loans, and my wife is the Co-signer of the other two ( 2 ). 

We had been receiving billing statements up until XX/XX/XXXX. When we did not receive a billing statement the following month ( XXXX ), we called them on XX/XX/XXXX. The customer service reps ( XXXX XXXX XXXX ) we talked to said the company is not allowed to send billing statements now because of a " pending law suit ''. However, they would be able to take a payment over the phone - which we did by EBT. 

Each of the following months - XXXX, XXXX, & XXXX we failed to receive a monthly billing statement and again called the company ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ). Each time we were able to talk with the same person ( XXXX ) and given the same answer as in XXXX. We also made a payment on each of the accounts by EBT for each of those months. 

We did not receive a billing statement again in XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX we called again requesting a status of the account and a billing statement. This time we talked with a person by the name of 'XXXX ' who told us the same story as in previous months that they aren't sending billing statements. We also asked what the current interest rates were on the loans ; the current Unpaid Principal ; and Unpaid Interest & Fees. 'XXXX  ' said that information wasn't available. 

The bottom line is that the loan servicing company ( Navient ) is failing to provide billing statements - either automatically or when requested to either the borrower ( my step-son ) or the Co-signers ( myself and my wife ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Americas Car-Mart, Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a vehicle from Car-Mart of XXXX. At first, everything was great. I even co-signed for my daughter to get a vehicle. Then, when I had the vehicle about 75-80 % paid off, it started having problems with the motor. Car-Mart offered to have the vehicle repaired at a shop of their choosing & add the cost of the repairs to my loan. I agreed and took the vehicle to them to have it repaired. The shop they took the vehicle to had it for about 2 weeks before Car-Mart finally called and told us it was ready. They told us that the motor had been replaced. My mother-in-law took my wife to pick it up while I was at work. The next day I drove it to XXXX to work. When I got to work, smoke started pouring out from under the hood. When I opened the hood, there was antifreeze everywhere. Apparently the shop either hadn't secured the hoses or had damaged one of them, I couldn't tell which. I got it back to Car-Mart who sent it back to the shop to be fixed. After a few days, they called to say it was ready. This time when I picked it up, I was less than a block from the dealership when it started having problems yet again, acting like it didn't want to shift properly. Again, they put it in the same shop for several days. Mind you I'm still making payments on a car that I haven't really been able to get any use out of for about a month at this point. Once again I picked up my vehicle only to make it about a mile before it died on me in the middle of the road ( yes, it had gas in it ). This time, after a few days, we were told that the shop wouldn't cover the cost under warranty so we'd have to pay to fix it out of our own pocket ( though it was supposed to be a 'new motor ' ). We talked to a manager who told us that since we were having so much trouble with getting the vehicle fixed that he would dismiss the remaining balance & take the vehicle as a trade in on something else. By this time, my daughter was also having problems with her car which they refused to do anything about. Final straw .... the 'new ' vehicle I got started having transmission problems a couple of weeks after I got it and the car lot wasn't going to fix it unless I could prove it wasn't any fault of my own. I finally walked into the manager 's  office and told him that I was done because of all the run around I had gotten from them. Now, ALL 3 vehicles are showing on my credit report as accounts with outstanding balances, even the one that they 'dismissed ' due to all the trouble I had with it ( making weekly payments on a vehicle that was 'out of commission for about 6 weeks all together ) & the one that started having problems within the first 2-3 weeks. Have they ever been investigated under the Lemon Law?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation