BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-31
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Hello, I paid off my XXXX XXXX account back on XXXX XXXX, 2017 for a total payment of {$120.00} + a {$3.00} fee = {$120.00}. I submitted the proof of payment in a dispute to Experian on X/XX/2017 and again on X/XX/2017 to remove this item from collections on my credit report. Both times they sent me back a new credit report with the XXXX XXXX account still in collections. This is harming my credit score and I 've paid this account off completely. Thank you, 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 2018-12-07
Company: CNG FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX, XXXX, XXXX, XXXX - 5 Telephone calls per day to my personal cell phone from this number XXXX. 

I do NOT owe any outstanding debt to ANY cash advance institutions or bank. 

Caller claims to be work for XXXX  XXXX. Threatening to have the police at my home if I do not make a full payment by the end of the day. 

XXXX - 3 Telephone calls per day to my immediate family members asking for personal information - Mother XXXX and XXXX - Threatened me with jail time if payment is not made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDENCE RM is claiming that I owe them {$600.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28
Company: CHECK INTO CASH INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I checked my credit report to see a new account listed in collections from XXXX XXXX XXXX with account originating from " XXXX CHECK INTO CASH '' for the amount of {$280.00} that had been paid down recently by 12 % and is not {$250.00}. This was very suspicious because I've never even been to a check into cash XXXX nor have I made any kind of {$30.00} payment towards a XXXX loan. I checked online to see what the requirements were for application for a XXXX loan and it was paystub photo id etc. So someone must have all these types of verification documents about me enough for the XXXX loan company to approve the loan. Or this XXXX XXXX XXXX company is doing something very shady and unscrupulous with my identity. What boggles my mind then most is : who what and where is the {$30.00} coming from to pay down the account?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a harassing phone call from XXXX XXXX  for a fraudulent debt that I do not owe. Im also on the do not call list and keep receiving calls from this company. The representative refused to disclose the companys name as I requested it several times. He would only state his name and the caller ID had shown the call as unknown. I would like these harassing calls and false accusations to stop. Ive told XXXX several times that I was in the do not call list and that I do not owe any company debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am and have been a XXXX XXXX XXXX XXXX XXXX veteran of the XXXX XXXX. Navient, the holders of my loan did not inform me I had the right to have it forgiven under the federal XXXX XXXX XXXX XXXX discharge program. When I informed them of the situation they up it under forbearance, then when that time was up they attempted to charge me, then extended it again for three months. I just now found the CFPB is filing suit for this practice. Please have this information removed from all three of my reports until the findings are satisfied. My account number with Navient is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2018 I sent a letters to XXXX and Equifax disputing the following items XXXX XXXX  XXXX for {$860.00}, XXXX XXXX XXXX for {$550.00}, XXXX XXXX XXXX for {$6400.00} advising that I have no knowledge of the debits. In my letter I stated I was requesting a signed confirmation with my signature that I opened the referenced accounts. Under the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX I have the right to demand that they disclose to me all the documents that they have recorded and retained in their file at the time of the request concerning all the accounts that are reported on my credit report. I saw where they removed XXXX XXXX XXXX from my report and then they added it back to my report. As of XX/XX/18 no one has notified me about my dispute or submitted any documents to me with my signed signature for all three referenced accounts. I am requesting that all three accounts be removed from my credit report immediately by publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties they are damaging my reputation and credit worthiness. I am attaching a signed copy of the letters that was submitted to XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Over 2 years ago, I set up payment arrangements on an old credit card debt. A condition of the payment arrangement was that the payments be automatically deducted from my bank account. For over 2 years, MCM has taken {$150.00} out of my account on the XXXX of each month. In XXXX, 2018, I received a notice from MCM ( XXXX XXXX XXXX XXXX that I was in default for not having made my XX/XX/2018 payment. I checked my bank account and had had more than enough funds on XX/XX/XXXX for the payment. For whatever reason, MCM did not process the payment. I contacted MCM on XX/XX/XXXX. At that time and in the letter, they told me I was in default and a judgement was being entered against me. I reiterated that it was their error, not mine. They informed me that I would need to pay the " default '' and only then would they agree to reinstate the payment plan. They also stated that it was " already filed in the court ''. I explained to them that I have my payments auto debited and whatever funds I have remaining at the end of the month is what I know I have to spend on food and gas, etc. They acknowledge that they made the error but refused to resume the payment plan beginning the next scheduled payment ( XX/XX/XXXX ) unless I paid them {$300.00}. They are refusing to re-establish a payment plan because " I '' defaulted on the loan when in fact it was their error, they acknowledge that it was their error and they don't care that because I have my payments automatically withdrawn from my account that I know that at the end of the month, whatever funds are remaining in my account are funds available to me for life 's necessities. They have refused to reinstate the payment plan and said a default judgement is being filed against me. I asked repeatedly to be transferred to an attorney which initially they refused to do because " all of the attorneys are in a meeting '' and I asked to be transferred anyway at which time they told me that there wasn't a phone for the attorneys. I became irate and they finally said they would transfer me to the attorney. The message on the attorney 's line was " to leave a message for me, please call XXXX. '' That number ; however, is the number for MCM. MCM has acknowledged that it was their mistake. I am more than willing to resume the payment plan beginning the next scheduled payment but they have refused and said a default judgement is being filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: VW Credit
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I totaled my car and notified VW Credit on XX/XX/2018. They promised a XXXX day response and it is now past that time. They now say it might be sometime next week. Each day they delay it is costing me interest. This is with VW Credit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX. I currently have a mortgage with Bank of America. At one time the loan was in foreclosure but has since been made current. I am currently being billed approximately {$1400.00} dollars for which Bank of America describes as a Sheriffs fee. The gentleman at Bank of America informed me I would need to speak to the law office in charge of my foreclosure. I called the law office and spoke to XXXX XXXX who informed me that her office had not billed Bank of America for any services on my behalf. I called Bank of America again and was told there was nothing else to be done- I need to pay the past due amount. The sheriff was never dispatched to my home. Its also of interest to note that my past due amount was completely paid on XX/XX/2018 and the supposed date of this bill is XX/XX/2018.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Never made deposit available. Claims check was returned. My XXXX XXXX report shows no negative reports. No checks reported as returned

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 2018-06-28
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have notified Experian ( opened with Experian on XX/XX/XXXX and XX/XX/XXXX dispute date from Experian was received ) about 3 year+ XXXX XXXX XXXX Credit Card account that both XXXX and XXXX XXXX report as never late. How is it, that I file a report on XX/XX/XXXX and on XX/XX/XXXX that dispute is resolved? I am almost certain that Experian did not confirm with both XXXX XXXX and XXXX the details on this old credit card account. In XX/XX/XXXX I was hospitalized for XXXX XXXX and was not able to access accounts ( due to electronics limitations ) in hospital for more than 7 days. 

XXXX and XXXX XXXX explored my complaint about XXXX XXXX XXXX  and corrected my credit reports in their systems but not Experian. They need to all report the same via Fair Credit Reporting Act. I attempted to file another dispute to resolve this matter with Experian today ( XX/XX/XXXX ) but Experian system would not let me file it. I disputed this incorrect filling numerous times and Experian needs to pay fines under Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: ECMC GROUP, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2018, ECMC sent to my private homestead address deceptive communication alleging they are collecting my social security number, and my home address. I have no account with ECMC, i never applied for an account with ECMC, and i never received a loan or credit from ECMC. This is an act of deception, constructive fraud, extortion, attempting to collect on a discharged debt, and violation of the FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Bridgecrest Credit Company which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$16000.00} with XXXX, XXXX and XXXX credit reporting agencies. I requested verification of the debt and account however Bridgecrest failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

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 2018-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 called Transunion on XX/XX/XXXXin regards of an account on my credit report that was reporting accurately. They told me to send in proof of payment. In which I faxed to them the letter from the creditor stating the account had been paid. I received a letter from Transunion dated XX/XX/ stating that the information they are reported is accurate. I sent Transunion the paid in full letter and they still wont update my credit report and thats all I wanted them todo.

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 2021-05-02
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National credit systems inc. Based out of XXXX Ga. Has stated, and put on my credit report that I owe XXXX for breaking a lease at XXXX  XXXX XXXX XXXX XXXX apartments XXXX. The problem with that is ... I never lived there.. My son lived there.. He is a XXXX. I've tried to resolve this with National credit systems on several occasions. They know that they can not produce a contract signed by me with this apartment complex, so they keep dodging and side stepping, in hopes that I will pay them to go away. Here 's the kicker.. They were on my son 's credit report as well.. I don't know how they got my ssn. But they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDLAND CRED is claiming that I owe them {$2300.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I went to purchase a vehicle on XX/XX/2018 and come to find out there are numerous inquires from the last YEAR I did NOT recognize. I contacted customer service to help and it was stated that there was a breech and inquires were removed and then put back. I HAVE NOT received ANY notice of this and wanted the last YEAR removed. I was told she couldn't help me. I am a single mother trying to make it on my own and I need to get my credit together after a nasty divorce. I have recently found out MORE inquiries were added. Please remove the inquiries from 2018 other than XXXX XXXX AND XXXX XXXX as those were the ONLY XXXX I gave permission to do so. This is XXXX XXXX mistake and Why was I not notified????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-31
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am currently paying my mortgage payment to Ocwen Loan Servicing LLC. On XXXX-2017 I mailed a payment in the amount of {$730.00}. They received it on XXXX-2017 which was a day before a late payment was to be assessed. In the meantime, I was in the process of trying to refinance with XXXX XXXX for a lower rate. Unfortunately, it was denied because of two late payments in 12 months. Today I received a letter from Ocwen, 16 days later stating the payment was returned unpaid twice due to insufficient funds. This is not true! I checked my account on-line and there was no indication that the check was ever submitted for payment. After I could n't find any information relative to the check, I contacted my bank and was told they did not submit the check at all! There is not a insufficient fund of {$35.00} reflecting in my account and they are lying about submitting the check. Now Ocwen is attempting to apply a late fee as well a late payment reflecting negatively on my account. When I called I got absolutely no where with the Customer service representative and to add fuel to the fire, I am currently enrolled in the HAMP program and this is the 6th year in which {$5000.00} is to be deducted from my principal balance ( ONLY IF I AM CURRENT ). I am so disappointed with them I am afraid to send XX/XX/XXXX payment because they have manipulated XX/XX/XXXX payment. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN
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:
Please see the attached military police report. I need the fraudulent account removed from my credit reports. The fraudulent account for XXXX XXXX Indiana is still be reported by Helvey and Associates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: FIRST CITIZENS BANCSHARES, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a Old Vehicle Loan that I took out in XX/XX/XXXX or XX/XX/XXXX that was paid off in Full in XX/XX/XXXX as a Positive Good Standing Account for {$3000.00}. It was Positively building my Credit and was one of my Largest Tradelines. With the Data Breaches it was deleted and wasn't notified. I understand its closed but the Credit Bureaus stated I needed a Resinsertion Letter from the Credit. Please Add this back within 30 Days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
Ive disputed this account before with XXXX XXXX XXXX and each time came back as Meets FCRA standards but yet Ive provided adequate proof that shows they consistently had multiple violations. Each bureau reports a differentDate Of Last Activity which its imperative that they all report accurately because it determines the date of which the account comes off the credit report. This account has been disputed and per the FCRA XXXX XXXX is supposed to report that this account is/was disputed by consumer in which they did not and is a violation. Attached will be proof showing the violations. Theyve also sent a letter showing the contract of which they have but the contract and statement as well which is written by them has inconsistencies and inaccuracies in the contract and statement. They say the account was opened on XXXX of XXXX but state the vehicle was repossessed back in XXXX of XXXX. This is inaccurate and inconsistent of which their reportings all vary across the 3 credit bureaus.

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