BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX, SS XXXX DOB XXXX I found an incorrect spelling of my name XXXX XXXX XXXX is my only name please delete any other version. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 2020-05-23
Company: ONLINE Information Services, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my debt to the original creditor in monthly installments. The debt has been paid in full. On XX/XX/2020 I received a notification of a debt on my credit report from XXXX  and XXXX. The original amount the debt collector provided is incorrect. I was not notified of the alleged debt prior to getting the notification on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: Exeter Finance Corp.
State: HI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Attempted to trade in my 2010 XXXX XXXX XXXX that is financed through Exeter Finance. I have had consistent payments throughout my contract. When the dealership ran my credit, on my credit report it said Exeter finance 90 days past due and it said my car was up for repossession. Even on the website for Exeter finance it shows I made payments and I have been consistent with 20 payments since Ive had this car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Navient Solutions, LLC.
State: OK
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 had constant communication with Navient over the past six months as I am trying to pay off my loans quickly. I started tracking my monthly bills as I started making XXXX dollar payments ( my monthly IBR is {$360.00} ). I pay {$700.00} to ensure I am covering the new interest that is accrued monthly. In XXXX my total loan balance was {$130000.00} and in XXXX my total loan balance was {$130000.00}. I had not made a significant payment at this point in time only the {$700.00}. In addition, the total unpaid interest for the loan was {$17000.00} in XXXX and then in XXXX it was {$28000.00}. I called to inquire and a woman told me it was because they audited my account and found that they had paid too much of the interest on my subsidized loans. I just got off the phone without inquiring more. I then called back and the new Navient customer service rep could not find out why the interest changed and the balance. He put in an inquiry at which point I received a letter from Navient " explaining '' what happened. When I called again to ask what the letter meant the customer service rep could not tell me. He put in another request asking why my account was audited, a full report of every payment I've ever made, and a better explanation of the increase in the unpaid interest. I received the letter explaining the aforementioned and all it was was a generic sheet on how interest accrues. My questions have yet to be answered. I find it very interesting that they decided to audit my account once I started making large payments. I've made close to XXXX in payments since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: Student Zoom, LLC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been called frequently by a company called XXXX XXXX XXXX XXXX of XXXX XXXX NV. They promised an Obama loan forgiveness program where they could reduce our student loan debt by 50 % over 13 years. They were aggressive in asking personal information like DL number and credit card number. They asked for an upfront payment to get the loan forgiveness started. I do not think they are legitimate after filling out their documents. Can you advise on how to proceed? Is there an Obama care program that reduces student loan debt?

Company response to consumer: Untimely response
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2018-01-17
Company: NATIONSTAR MORTGAGE LLC
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:
failure to provide proof of late payments, was already removed from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
It started in the months of XXXX, XXXX, XXXX, XXXX and i had experienced a day that had my worse nightmare on XX/XX/2020, MIDLAND CREDIT MANAGEMENT INC Amount indicated owed : {$2200.00} This company knocks my apartment before XXXX and late in the evening past XXXX. 
This company also went to my leasing office asking information about my whereabouts and asking the leasing office if they can open my apartment for them. They also requested my leasing to call me ( in their presence ) to reach out to me while they are in front of the employees in my leasing office.

This company also screams my First Name and Last Name on my doorsteps on Saturdays and Sundays knocking our doors loudly. Completely scary mafia like they will kill you! This company also sends collectors and asking our neighbors on my
whereabouts. This company continues to harass me at my residence. Our neighbors are also disturbed with them knocking my doors ( including my neighbors ), while " screaming calling out my first name and last name '' to open the doors for them.

They leave messages in my doorsteps indicating telephone number to call them back and when you speak with someone, that person from their side ( collector ) will say they can send someone to arrest me, send a police if a debt owed is not settled.

Extremely scary company with their non-ethical practice. I do not owe anything nor made a contract agreement with this company.

This company also reported derogatory information to my credit file with the three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
Company: ROYAL UNITED MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The company did not provide us with any formal application. Everything was done over the phone. 
We sent a e-mail and call the company and explain we were not happy with their conduct. 
XX/XX/2021 Dear Mr. XXXX or XXXX We are not going to go though with the loan, we found a Bank that will handle our loan, therefore, we are requesting that you forward our XXXX dollars, and the real estate license appraisal on our home Thank you for your consideration - again we have found a Bank that will handle the loan, and a lawyer is working with us at this time The Bank is going to pay for the appraisal- Again thank you WE received a call on XX/XX/2021 Call Notify from XXXX - XXXX XXXX at XX/XX/2021 XXXX XXXX- This call was about the complaint and wanting us to contiue, we told him no Today we received a notice : Dear XXXX XXXX , Attached is documentation regarding the loan application which you placed with Royal United Mortgage LLC . If you have any questions regarding this documentation please contact XXXX XXXX at XXXX or XXXX. 

Sincerely, Royal United Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: NATIONSTAR MORTGAGE LLC
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 status incorrect

Complaint:
I initiated a CFPB case involving several challenges with Nationstar mortgage company and their practices. The issues that I communicated were eventually resolved ONLY after contacting CFPB. The mortgage company did admit to several errors on their part and fixed the multiple issues to my satisfaction. Due to the complexity and longevity of the issues with the mortgage company, I waited for the dust to settle before I contacted them back to align them fixing the errors with fixing my credit report that still contained incorrect data from their errors. The letter that they sent me on XX/XX/XXXX spelled out the months ( XX/XX/XXXX - XX/XX/XXXX ) where the error occurred and timeframe that this issue was active. Since then, I have contacted them and requested that they update my credit report for the duration that I 've had to deal with this issue and they have n't done so to date. For reference, the initial CFPB case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a high risk, subprime high adjustable interest rate 1 family mortgage that keeps rising in interest rate. When the market crash in XX/XX/XXXX, I had lost my job and could not keep up with paying my rising mortgage. I got sick and was placed on social security XXXX starting XX/XX/XXXX. I always tried to resolve with the many changing, swapping banks who is currently XXXX XXXX. I bought my house from XXXX XXXX in XX/XX/XXXX. I am currently negotiating the loan modification with lender, MR COOPER. I never did business with Mr Cooper who is currently charging me above 7.5 % interest rate. Is this legal? This is all just like the XXXX movie, XXXX XXXX XXXX. 
In XX/XX/XXXX-XX/XX/XXXX, XXXX XXXX ( represented by XXXX, XXXX XXXX XXXX XXXX ) was successful in getting a notice of motion for Judgement of Foreclosure and Sale after many attempts. They also add a name XXXX XXXX to my lawsuit as if she is partial owner to my property when she has no ownership and I never know or met any such person. I am now getting calls everyday almost from investors to buy my so-called 2 family house ( I don't own a 2Family-I own a 1 Family ), This is important because of the misleading equity. Mr Cooper will not give me a fair interest rate for a loan modification. These banks are all about greed and I think they already made their money on this property yet they want to take it away from me so they can sell it to someone new and start the bidding all over.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke with a rep at PRA in XX/XX/2016 that agreed to have a collection item deleted once it was paid In XX/XX/2016 I settled an account with Portfolio Recovery Associates Contingent upon all negative information being deleted from all 3 credit bureaus. In XX/XX/2016 I spoke with a representative in the collections dept. for XXXX XXXX XXXX. I explained to the rep that the account was fraudulently opened with my social and is being reported to my bureau. The rep then explained the dispute process. I told her I needed off my XXXX, since it wasnt mine. She told me it would take 7 years if I didnt pay it. She said if I Paid within 30 days she would have deleted from my credit bureaus. Since I was in the process of getting a home loan I decided to pay it, rather than go through the dispute process. After payment I made numerous efforts to contact the collections department for a deletion letter but was given the run around. I am unable to find the account number but my SSN # XXXX .PLEASE HAVE THIS COMPANY INVESTIGATED. I WOULD HAVE NEVER PAID THIS ITEM IF THEY DIDNT PROMISE TO REMOVE IT FROM MY CREDIT BUREAUS. I WOULD HAVE DISPUTED IT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am asking for the following account to be deleted on my Credit report ; These accounts listed below does not belong to me, 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Amsher Collection Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AMSHER Collection services at XXXX XXXX XXXX XXXX XXXX, AL XXXX has been sending me collections notices in the amount of {$1700.00} the collection has been reported as a past due balance. I do not know this company.i have never done any business with this company, and this company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
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: Information belongs to someone else

Complaint:
I am asking for the following account to be deleted on my Credit report ; These accounts listed below does not belong to me, 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 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 2020-08-31
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an unpaid bill of {$91.00} from XXXX XXXX, my internet provider. I never received an email notification about it. I was also in the middle of a move and don't recall receiving paper mail about it. I found out about the debt being in collections a couple of years later, only after my mortgage lender ran a credit report, as I'm preparing to buy a new house. I was advised by my lender to reconcile the unpaid debt and also ask the debt collection agency to " delete '' the debt from my record. I called CCC to pay off the amount, and I also asked a representative to " delete '' the debt, but she said it was company policy to only " update '' it. I said it should be illegal for a {$91.00} debt to impact a credit score and the interest rates on a 30-year mortgage. I told her that the CCC was messing up people 's futures. I asked to speak to a manager or supervisor ; she said it was company policy, no matter who I spoke to. She urged me to go to the CCC website, if I wanted to issue a formal complaint. It is misleading, deceptive and manipulative to let such a small debt ( from an internet bill ) impact someone's credit score so drastically. It is completely unethical and NOT in the interest of the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: DISCOVER BANK
State: IN
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:
On XX/XX/2020 a DISCOVERBANK account ending in XXXX with an available credit limit of {$14000.00} was removed from my credit report by all the agencies. On XX/XX/2020, it was reported that there were two payments made automatically by XXXX XXXX without approval. On XX/XX/2020 a charge of {$74.00} and on XXXX a charge of {$200.00}. These were not supposed to be charged to the Discover credit card ending in XXXX. A dispute was created, but as of today, this account and its available credit limit and the time I have had it has been removed, thus reducing my overall credit score. I have spoken to Discover Card and they could provide no information. After numerous attempts to file a dispute with XXXX, I could not file a dispute to end this and put this credit back onto my score reports. Please assist me! 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a JCPenney credit card and had processed two charges via my bank, however, through the online bill pay. 

I have sent confirmation information over to Synchrony Bank who manages the JCPenney credit card accounts. Below are the dates of the payments : Payment 1 sent XX/XX/19 for {$80.00} Payment 2 sent XX/XX/19 for {$100.00} I also confirmed with my bank the payments were sent to Synchrony Bank XXXX XXXX XXXX, XXXX FL XXXX. In addition my bank has confirmed the payments were NOT returned. 

I have communicated this multiples times and Synchrony will not accept my documentation as they have referenced it is not acceptable. However, I've received a letter to inform me a credit has been processed to the account, which is then followed up with a letter rescinding the previous credit. 

There must be a way to research the payment items, I have provided Bank information, confirmation numbers, Bank Routing number, dates, amounts and times, as well as, confirming address.

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 2018-04-03
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I purchased a new heat pump and labor and warranty services from a merchant, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, IN XXXX, ( XXXX ) XXXX. After attempts ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and requests with the merchant to providing warranty services to repair defects in the installation, I had to involve another company to fix the defects in installation which XXXX ultimately refused to investigate and remedy on XX/XX/XXXX. 

Chase has not provided me with any satisfactory resolution of my dispute and redispute ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) that this merchant did not provide all of the equipment, labor, and warranty services that were included in my original purchase. The amount of the original purchase price for all equipment, labor, and warranty services was {$2100.00}. The amount that I had to pay for the warranty services not provided by the merchant was {$1300.00}. This amount was paid to XXXX XXXX XXXX  XXXX XXXX and XXXX, XXXX . This amount of {$1300.00} is the ultimate amount that I am disputing was paid to this merchant services that were not provided. My disputes with Chase Visa were within the published time frame requirements for chargebacks to the merchant. Chase did not provide me with any information that they attempted to or did in fact correspond with the merchant regarding my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
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 tradeline, which appears on my credit report from Portfolio Recovery Associates/XXXX XXXX last reported on XX/XX/XXXX in the amount of {$1900.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both Portfolio Recovery Associates/XXXX XXXX individually and have not received any reply back.

Company response to consumer: Closed with explanation