BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-04
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
to whom make concern ERC collection company claim that i owe them XXXX for an utility bill XXXX i have disputed the account which they fail to reported to the credit bureaus my initial letter i send to them was in XX/XX/2017 and the other one on XX/XX/2017 by not reply in a timely manner to my initial letter you signed for on XX/XX/2017 you have not only violated federal laws, but also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Choice Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt company attempting to collect on a debt I never signed an agreement with nor do I owe any money to them. Moreover, this debt was removed from my credit profile and replaced back on by this collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Diversified Consultants, Inc.
State: MT
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:
I filled for bankruptcy in XX/XX/2016 Case # XXXX and DIVERSIFIED CONSULTANTS INC was included in my filings. They just posted something on my credit report that was included in the filings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06
Company: JPMORGAN CHASE & CO.
State: RI
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:
Started having the Chase XXXX card since XX/XX/2017. Enjoyed the benefits but hated the service ( disorganized customer service and put under periodic review twice in 3 months ). 
I applied for another credit card ( Chase XXXX ) the end of XX/XX/XXXX, and received the card a week later. However, before I even started using the new card, Chase closed all my account without contacting me via email/phone. I have done no suspicious activity or spending, paid every bill full amount and on time. 
My problem with Chase was : why gave me another credit card when this would lead to the closing of all cards? My credit score was harmed and, more importantly, the closing of account is causing great inconvenience to my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
According to the Fair Credit Reporting Act, 15 U.S.C. 1681 XXXX XXXX must report accurate information. My credit report is reporting that my XX/XX/XXXX and XX/XX/XXXX payment is 30 behind and as of today is XX/XX/2018 Im. It 30 days late. XXXX XXXX needs a better system to repos accurate delinquency. I reported to XXXX XXXX that I have a medical emergency and I cant afford my payments. I need their assistance to reduce these Payments. I mailed in my XX/XX/XXXX payment to see if the company would get that faster but it still didnt report. I am so grateful for getting a credit card with this company but they arent reporting accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An account was opened fraudulently at Bank of America on XX/XX/16, using my name and personal information. Turns out they used this account to cash a fraudulent check a little over {$3500.00}. Due to this circumstance I have been barred from opening an account at all financial institutions, which has significantly impacted my life negatively, since it has happened.

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 2021-11-28
Company: LendUp Loans LLC
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: Old information reappears or never goes away

Complaint:
Removed account from XXXX and XXXX but refused to remove it from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Exeter Finance Corp.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is in reference to the Exeter Finance Account Number : XXXX entry which is being reflected on my XXXX and XXXX  credit report. I have contacted Exeter Finance several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or an itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of this listing. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims actions. In the abscence of any such documentation I formally request that this information be immediately deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
back in XX/XX/XXXX I trade in a XXXX XXXX XXXX for a XX/XX/XXXX XXXX XXXX to XXXX, TX XXXX and was told by the dealer not to make XX/XX/XXXX payment because it would mess up the pay off amount. I also at the time did have possession of the XXXX which was being financed through capital one. Needless to say I looked at my report and XXXX XXXX had me reported as delinquent for the month of XXXX despite the care not being in my possession. I disputed it twice with XXXX XXXX with no resolution. I also disputed it with XXXX and they came back saying XXXX XXXX is correct despite it showing on my credit report that I had another at that time frame. I call XXXX about this issue and they told me that XXXX XXXX was responsible and then I called XXXX XXXX and they placed the blame on the dealership. I feel that I have been the one did wrong during this situation. both companies were paid and I had something negative placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
One of my credit card company refuses to remove a 30 day late. I have never been late and the card has always been on autopay. I have disputed the account 3 times and have never received anything from the credit card company with explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Experian Information Solutions Inc.
State: TN
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 AND EXPERIAN Violation of Privacy and inaccurate and unfair reporting. 
THERE ARE TWO COLLECTION ACCOUNT ON MY CREDIT REPORT FOR ATT. THE COLLECTIONS AGENCY ARE REPORTING THE SAME ACCOUNT AND THEY BOTH HAVE INACCURATE INFORMATION.

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 2018-07-10
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted an application to Amerihome on XX/XX/2018 regarding assistance with the foreclosure on my home. I confirmed with the lender on XX/XX/2018 my application was received and they requested a hardship letter which I sent in. When calling Amerihome today, XX/XX/2018, I was told the documents are received however they can not postpone the trustee sale because the attorneys will not postpone it if documents are not received at least 14 days before the sale date. No one ever told me this information when I spoke with Amerihome and they told me to submit the documents which I did. Now, 2 days before my sale date I am told " too bad, too late ''. I called the trustee and they are telling me the sale is active and that the lender is the one who authorizes the postponement, so now I am being told different stories and even more stressed out. 
Amerihome has my application, they should be aware of the HBOR laws and postpone the foreclosure sale while I am in an active loan modification review. I have been been assigned a single point of contact and they have never reached out to me, which are violations of the HBOR set in place for homeowners like myself!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: MI
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:
In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had updated.I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$830.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX Balance XXXX : {$9000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ;

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 2018-02-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
back in XX/XX/XXXX I trade in a XXXX XXXX XXXX for a XX/XX/XXXX XXXX XXXX to XXXX, TX XXXX and was told by the dealer not to make XXXX payment because it would mess up the pay off amount. I also at the time did have possession of the XXXX which was being financed through XXXX XXXX. Needless to say I looked at my report and XXXX XXXX had me reported as delinquent for the month of XXXX despite the care not being in my possession. I disputed it twice with XXXX XXXX with no resolution. I also disputed it with experian and they came back saying XXXX XXXX is correct despite it showing on my credit report that I had another at that time frame. I call experian about this issue and they told me that XXXX XXXX was responsible and then I called XXXX XXXX and they placed the blame on the dealership. I feel that I have been the one did wrong during this situation. both companies were paid and I had something negative placed 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 2018-07-10
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Mother XXXX XXXX XXXX XXXX XXXX XXXXr for 2-3 days. She had cancelled her lifeline services to keep her cell phone which she could not get to when she fell. She cancelled the cell phone with XXXX XXXX XXXX so she could reactivate and afford to pay for her lifeline services. 

After more than 60 years with XXXX XXXX XXXX and XXXX XXXXXXXX she was told there would be a {$400.00} cancellation fee. She explained she could not afford to pay this. She still has her XXXX XXXX XXXX land line. 

She has been receiving harassing and threatening phone calls and written correspondence. She was told they would take this money out of her bank account. My mother is XXXX years old. This has been very upsetting to her. It is unbelievable that this blue chip corporation would go after a XXXX year old lady would nearly died because she cancelled her lifeline to keep a cell phone that could not help her lying on the floor for days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The credit bureau 's are illegally reporting inaccurate information 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 2020-05-13
Company: EQUIFAX, 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:
I called into the XXXX XXXX XXXX IN XX/XX/2020 ( like everyone else ) and got an automated system and elected to use the government mortgage relief program for Covid-19. I was suppose to be called and we were to discuss what OPTION I was going to CHOOSE. I was never contacted. And they ( XXXX XXXX XXXX   ) WITHOUT MY KNOWLEDGE CHOSE THE Forbearance OPTION. I was under the strong assumption that I had many options. 

My issue right now is they also reported to the credit agencies false information about my loan. Number one : The loan should have not increased XXXX. ( they added another XXXX plus another XXXX to the loan. That was reported to the credit agency AS WELL AS THE FORBEARANCE. Also I did not choose to be in any kind of forbearance or loan modification as of yet. I was suppose to be contacted and choose the option on my own. 
My credit score decreased in value today BY 29 POINTS. With my Credit simulator my credit score would have been XXXX next month. Instead it dropped to XXXX And I have been working on getting an excellent credit rating for years now. Their were suppose to be NO credit reporting from any mortgage company during this time of COVID-19 CRISIS. But XXXX reported the credit to the agencies. 

I feel I have been wrongfully serviced by XXXX during this Covid-19 experience. I feel that they owe me an NORMAL loan and let me out of this predatory loan that I am in. 

Thank you in advance for your help XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CMRE debt collectors agreed to remove this account from their records and my credit report. They re-added the account to their records and has not removed the account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In a XX/XX/XXXX letter from CMG Financial, I received acknowledgement that my mortgage loan had been paid in full, and that any funds in excess of the payoff amount would be processed and returned in accordance with applicable state and federal laws. 

They claim that a letter with my refund is " in the mail '', and was allegedly sent on XX/XX/XXXX. It is now XXXX  XXXX, 35 days later after the loan payoff, and I have not been reimbursed for approximately {$9000.00} which owed to me. Furthermore, they told me that if I do not receive it by XX/XX/XXXX, to call back ( that would be about 62 days ). Is  that within federal laws, and should I be allowed interest on the {$9000.00} as they would charge me if I were late in my mortgage payments? 

Their service is the worst, and they want you to reregister on their new website because they don't want to talk to you on the phone and actually say so on their reception recording. Their new website did not allow me to register allegedly because my loan has been paid off and therefore, I am not allowed to get any info on my loan. Really???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion lowering my score unnecessarily, bogusly unfairly.

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 2018-05-10
Company: EQUIFAX, 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:
XXXX XXXX XXXX whom I was contracted with wrote off my debt off and sold it to another company named XXXX ( XXXX  ). My contract with XXXX XXXX was then cancelled. XXXX and Equifax Is reporting that I am in a delinquency status with XXXX ( XXXX ). Theres no valid contract between XXXX and I. I asked XXXX  and Equifax to remove this from my report. I sent in proof that I do not and never ever had a contract with XXXX. XXXX and Equifax still refuses to remove this from my report which is damaging. Please have them remove this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Accounts are reporting on my credit reports that are incorrect XXXX XXXX  XXXX XXXX XXXX XXXX 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 2020-11-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/15 there was a judgment that was put on my credit report that I have been saying all along was false information that I had my proof it was satisfied when I went to court and they put on my report as not being paid I got my proof from the courts that this has been satisfied and should not be on my credit file I did not get evicted the XXXX court sent me what I needed to clear this up thank you

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 2021-01-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In response to my last complaint, this morning I received a voicemail from a person by the name of XXXX XXXX inviting me to call her at my earliest convenience. I did so at XXXX PST today ( XX/XX/2021 ) but the number she gave me was the general customer service number. 
That meant waiting in a queue for half hour to get to speak to somebody. When someone finally picked up, I had to get verified. After I was verified, I had to tell her to transfer me to Ms. XXXX. The representative spent 5 minutes searching for her in the directory. When she finally transferred me, the call went directly to a voicemail with two options : 1 ) make an appointment, 2 ) leave a message. I chose " make an appointment '' only to hear a recorded message informing me that no appointment could be made at this time. 
Is this how Community Loan Servicing addresses their customers ' calls for help? I am in a dire situation trying to save my building and my livelihood, and they refuse to do something as simple as giving me a number for a direct contact. 
Once again, I spent time and emotional energy trying to be a responsible homeowner only to be sandbagged by this institution 's continued internal disfunction. 
Please help me sort this through because they are clearly not interested in helping me.

Company response to consumer: Closed with explanation