BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-26
Company: Benuck & Rainey, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I contacted the collection agency I was referred to by the original creditor to ask them why they are not reporting the payments that Im making to them on behalf of the creditor. I was informed that although the creditor closed my account, it was only closed to the point of no longer being able to purchase any more equipment from them, but it was still open for them to report late payments to the credit bureaus, although I've been making payments since XXXX to the collection agency. They stated that since the account was still open, they were not able to report my payments to the credit bureaus, and that the creditor stated that they will continue to report late repayments until I have paid the full amount, or the settlement in full. I informed the representative that I would like to stop making payments until I heard back from the CFPB regarding my complaint against the creditor. The representative informed me that if I stopped making payments to them, the creditor would be taking me to court for the balance due. I believe that they is illegal with malice on both parties, but that the original creditor is intentionally damaging my credit and harming my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: PNC Bank N.A.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was an amount showing up as unpaid that the company agreed was paid last year and per our agreed upon monthly amounts. They could not see why / how it got reported as an issue and were contacting the Bureau immediately for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent out my XXXX round of disputes and they still have yet to remove or respond any Information back. I have also spotted many inaccuracies and FCRA violations which is affecting the banking system and I am reaching out to the CFPB as an agent top remove this fraud information from my report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 had a 36month lease with XXXX XXXX. The account was on auto paid and paid on time for 30 months. On month XXXX, for a reason unknown to me, the auto pay date started to kick inn 1 day after the due date, creating late fees. At no time XXXX contacted me by either mail, email or phone to advice that there were late fees accruing on my account. 
I had reach them to get them to remove the charges to no avail, simply because I did not lease a new XXXX vehicle as I had in the past. 
I have sent proof of auto payment to all credit agencies, XXXX, transunion & XXXX, but XXXX XXXX  replies to them every time that the late payment fees are due. 

attached proof of the last payments

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 2017-08-14
Company: NATIONSTAR MORTGAGE LLC
State: LA
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:
This reason I am filing this complaint is to request an investigation into Nationstar Servicing and XXXX XXXX XXXX mortgage companies reporting incorrect information into my credit file. My credit report should show first date of delinquency in the month of XX/XX/XXXX. Instead the mortgage companies are reporting the incorrect year of XX/XX/XXXX, to re-Aged the account " Running of Reporting Period ''. I have attach two of my mortgage billing statement that shows my account first date of delinquency is in the month ofXX/XX/XXXX. I am requesting that Nationstar Servicing and XXXX XXXX XXXX correct the fraudulent information they have report into my file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I received a response ( see " CFPB Response XXXX '' attached ) from New Rez LLC detailing the closing disbursements of my mortgage on XXXX. Noticeably, however, is the fact that New Rez " Intentionally '' did not include pages 2 and 3 of the Closing Disclosure ( CD ) which shows " Other Costs ''. Included in Other Costs were disbursements made for tax and insurance escrows that were also paid at the time of closing. So not only did the lender pay current taxes and insurance that were due, but they also dispersed escrows for future taxes ( {$3200.00} ) and insurance ( {$1700.00} ) that were also deducted from loan proceeds. The tax escrows represented 2 months worth, while the insurance escrow represented 6 months worth of future payments. I have included all 3 pages of the CD for confirmation ( see " Closing Disclosure_XXXX XXXX XXXX XXXX '' attached ) to document these facts. 

Since my first payment, which was due XXXX I have made every monthly payment which includes the mortgage of {$6700.00} and escrows for taxes and insurance of {$1900.00} as required in the CD. Given these facts, it is impossible that New Rez should have ever claimed that I was behind in escrow payments. Secondly, as stated in an earlier complaint, there is no projections for tax increases as the City of XXXX only reassess or increase taxes upon changes in use or improvements ; this is confirmed by the City of XXXX. I invite anyone who reads this to please call the City of XXXX to verify ( XXXX ). It should also be noted that New Rez also made payments to the wrong city ( XXXX XXXX ) for {$4800.00} that also had to be recovered. 

Ignoring the facts, New Rez has increased my taxes without authority or proper rationale to do so. Based on the facts, I have requested that New Rez change my monthly total payments for tax and insurance to {$1900.00} as per my loan agreement. Moreover, I have requested to pay my tax and insurance payments to the city and insurance carrier directly. What New Rez has done shows that they are a fraud, not trustworthy and that they are conducting business in an unethical way. 

cc : NJ Consumer Affairs Attorney General Office of NJ Department of Banking & Insurance of NJ

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EdFinancial Services
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
EdFinancial has been moving my loan to EdFinancial for several months.

I am not able to access my account despite the end of the Student Loan payment pause. I can not verify that I am on an XXXX. I can not verify if I need to pay. I don't know how much I owe They said they will fix it over a month ago ( late XXXX ). 

When I try to register again on their website ( despite being their client for many years ), I get an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/21 I received a collection letter from Midland Credit Management telling me that I owed {$1700.00} to creditor XXXX XXXX XXXX  XXXX. This is not true. I contest this allegation. 

Respectfully, 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 2017-12-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Account solutions has been reporting accounts in the total sum of {$3200.00} for four separate accounts. Two of these accounts were also reported by another agency in the same amounts which was inaccurate. I have previously communicated with this creditor in the past requesting validity of this debt and had not received a response. In order to track communication with this creditor so that I can get the information I have been requesting, I sent them a certified letter asking for validity of this debt. I sent this letter via certified mail on XX/XX/XXXX that was delivered on XX/XX/XXXX and received correspondence via letter from this creditor on XX/XX/XXXX. They did not respond to any of my validation requests and have not provided me sufficient information. This information is inaccurate. I have done my due diligence in trying to rectify this situation and they are not willing to work with me or provide me with the necessary 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 2023-09-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Wells Fargo created an unauthorized account that was opened from XXXX  to XXXX using my information and they are refusing to pay the invoice which has all the violation that were broking. I have all of the documents that show what they did as well as the current letters that Wells Fargo continues to be exposed for there terrible practices of being a financial institution. I also I know that all the unauthorized information that was send to the FDIC is also wrong which makes this matter worse. The executive refuse to talk about the matter and continue to try to throw my matter under the bus. I kno for a fact that Wells Fargo is still doing bad buisness and in my matter they have been doing it for along time, I have been dealing with this matter sense XX/XX/XXXX and thru all the pain an suffering they still wont come to and agreement. I have everything in document. Even the executive admitted to the violation her name is XXXX XXXX and I have it documented she was supposed to get back with me but never did. She admitted over the phone that is was a unauthorized account created without my consent. Not to mention there was another party in the account who I didnt even know. XXXX XXXX XXXX Again they are ignoring my matter because they know I have 2 years before the statue of limitations takes place and they are refusing a remedy for their actions This is unlawful as well as unprofessional

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 2021-05-04
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a call from an individual claiming they represented Best Buy Credit Card, and their name was XXXX XXXX XXXX XXXX. The initial caller informed me I was going to be sued and my home taken and hung up when I explained I never had a card with Best Buy unless it was fraud. The number they call from is a toll free line of XXXX. I called back and was hung up on. I called Best Buy credit and verified I have never had any account with them. I can only get thru to the number by using friends phones as when I call they pick up and hang up. I can not find any collection agency or debt buyer under the name XXXX XXXX XXXX XXXX. I was only able to get the one ladys name and company name by calling from a friends line. XXXX XXXX, and the first time it was as XXXX XXXX XXXX XXXX XXXX. I believe this may be a scam as the initial phone call was so aggressive, if I did not have the education and experience in law, specifically debt collection law, I may have been bullied into paying. Threatening to sue me and take everything I own ( laughable ) claiming the debt was incurred in XXXX and never paid on, but not charged off until XXXX so I better get a good attorney. Threatening to garnish - like I said, the FDCPA violations were rampant. I was never mini mirandized, I was threatened with a lawsuit to collect a debt that never existed, sworn at, refused the name of the collector I was working with and refused the name of the company. I simply do not understand how they can prey on the innocent and they need to be stopped. Best Buy Corporate has been notified that the entity at the XXXX is actively using their name and threatening innocent people.

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 2019-03-01
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019, I sent a Notarized Affidavit to Midland Credit/ Funding regarding an account that was reporting on my credit report that did not belong to me. In the affidavit, I advised Midland Credit/Funding I had no contractual agreement with their company an that the debt did not belong to me. I recently received a letter from Midland Credit/Funding stating that they intend to file a lawsuit against me as well as obtain a judgment if I did not contact their prelegal department. In addition, the letter threatened to garnish wages and obtain a lien against my property. This action taking by Midland Credit/Funding violates the Fair Debt Collection Practice Act 807,808, and 809. I have yet or ever recall receiving any initial communication or validation regarding this matter. I expect Midland Credit /Funding to immediately remove this account from all three consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: EQUIFAX, INC.
State: SC
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 was a victim of identity theft. I have submitted numerous affidavit info along with everything needed and yet they keep ignoring or not reading the information. XXXX  took care of everything immediately and for some reason equifax thinks they have a different set of legal guidelines apparently

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2017-08-22
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our house burned down in XXXX XXXX. My insurance company sent the checks to cover the rebuilding of our house payable to me and to the mortgage company. The mortgage company is still holding on to {$7800.00} and refuse to give it to me. I need this money to finish paying my builder. They sent an inspector to my house to verify that it was rebuilt on XXXX XXXX, XXXX. The inspector and I both signed the inspection report wherein she stated that the work was 100 % done. You will see that the mortgage company very obviously altered the signed document stating that rather than 100 % completed, the house is only 28 % completed! How on earth can you determine such a precise number - 28 %? The mortgage company has deliberately committed fraud and should be held accountable for altering a signed document. In any event I want the mortgage company to release the remaining funds. This is MY money, not theirs. We received a Certificate of Occupancy, has been occupied since XXXX. There is no legal reason for them to illegally and arbitrarily refuse to release MY money to ME. I was instructed by a representative of the mortgage company to send my complaint to their customer relations department which I did on XXXX XXXX, XXXX. As of this date they have not even had the courtesy to respond to my complaint. Copies of the documents and my last correspondence to them are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Google Compare Credit Cards Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took a credit with XXXX XXXX  and agree to make autopayments to cover the costs for 36 months. At some point, the system charged for the whole debt in one payment. Wanted to change again to monthly autopayments, bank agreed to send me a check as a way to reimburse and then being able to proceed with monthly autopayment. Check never arrived. So I decided it was for the best to just leave it like that, the bank already got my full payment, I was debt free.

But, few weeks later, they still try to charge me for something I already paid!. And even when I tell them to review their system and see that 1 ) I never got a check 2 ) I never cashed that check 3 ) they got the full payment from my side, they try to keep pushing for me to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I want to file this complaint to EQUIFAX for allowing fraudulent inquiries on my credit report. I sent them a letter but no further action has been taken. As I checked my recent credit report, the unauthorized hard inquiries are still being reported. They were supposed to protect my information, but how come to these unauthorized hard inquiries are in my credit report? I have filed an FTC report which I included here with the report number XXXX. 

I sent them a letter dated XXXX  which was received and delivered to them last XX/XX/2023, and I called them last XX/XX/2023, and XX/XX/2023 and according to the agents and supervisor my documents were rejected because of the " invalid FTC report '' I called the FTC according to agent in FTC all the information in the report are correct and invalid and could not see any reason why Equifax consider this one as invalid. 

I have also attached all the documents needed to support this complaint. ( FTC report, package letters, Driver 's license, proof of address and the usps tracking )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
this is my 2nd attempt. I am interested in processing disputes to transunion for the invalid information reported to my credit report. these errors are hindering me from moving forward and need to be deleted an correct. please review information asap.

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 2023-09-06
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have tried to call them several times over the past week and a half, I have sent emails and chats, and multiple phone calls, they never reach back out to me in any form. They are saying that my payments start back on XX/XX/12 when I am enrolled in college still and cant pay. I called at XXXX this morning and have been on hold for an hour when they said the wait time will only be XXXX minutes.

Company response to consumer: Closed with explanation