BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-01
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I received my credit report showing Ad Astra is collecting on behalf of XXXX XXXX XXXX XXXX for an loan I never received or applied for on XX/XX/2014. I have been disputing with this company for months & the credit bureaus that this is not my loan. Ad Astra sent me a letter, but this was no contract that I signed. This is misleading & inaccurate on my credit reports, Federal Law requires that mechanisms is provided to ensure that each item on my credit is accurate. I also have placed Fraud Alerts on my credit showing I was a victim of identity theft in 2014

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
When set-up, my checking account had an associated address with a family member in XXXX, XXXX   and was later changed to my address in XXXX, XXXX. I completed a change of address form when moving to XXXX, XXXX. The family member address in XXXX, XXXX continued to receive my account statements with my account information. 

I closed my account with Fifth Third in XX/XX/XXXX while at the XXXX, Ohio address on file. I continued to receive account statements even though my account had been closed for over 2 years. I went to a branch and had the branch manager confirm all accounts were closed in XX/XX/XXXX. In XX/XX/XXXX, another family member received a debit card in the mail for an account in my name in XXXX XXXX, XXXX. 
Even though my account has been closed since XX/XX/XXXX, my personal account information has now been sent to two addresses that were not associated with my account. I am concerned as to where else my information may be sent and also that Fifth Third has set-up fraudulent accounts in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: ORG GC GP Buyer, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX from XXXX calls me back to back if i ignore the phone calls. Also he calls representing XXXX bank from a different company with whom i do not even have a relationship and insists on me " verifying '' my SSN with him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2019-07-12
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I disputed this XXXX account with all three credit bureaus, the reported that it was closed in XXXX, now its reflecting closed XXXX once I paid the {$120.00} which I dont believe I owed this amount since it was an fee for a company trying to take money out of my account without my permission, I was charged the fee and my account was closed. I have notified all 3 bureaus to have this removed but they keep saying its correct. One bureau is showing XXXX closed and the other on shows XXXX according to XXXX XXXX, XXXX  shows a XXXX, this account has been on my report for seven years

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I live in Florida. I was affected by Hurricane Irma. So, my mortgage company agreed that I can stop payment for a few months. But they didnt mention any condition. They promised to work with me to resume payment. On the contrary, they were more willing to let my home go into foreclosure. I fought and made them design a payment plan for me. I complied faithfully with the plan. Nevertheless, they sent negative report to credit bureau. My score dropped by 150 points I asked them to fix the problem. They didnt do anything about it. I complained to the three credit  offices. Recently, Experian told me their investigation was completed. But I am still 60 days late in my account for XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX told me they have a lot of customers and I have to wait. I feel like they are not doing anything to solve the problem. Please help me! I worked hard to build my credit.

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 2019-07-12
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I disputed this XXXX  account with all three credit bureaus, the reported that it was closed in XXXX, now its reflecting closed XXXX once I paid the {$120.00} which I dont believe I owed this amount since it was an fee for a company trying to take money out of my account without my permission, I was charged the fee and my account was closed. I have notified all 3 bureaus to have this removed but they keep saying its correct. One bureau is showing XXXX closed and the other on shows XXXX according to XXXX XXXX, Experian shows a XXXX, this account has been on my report for seven years

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 2018-06-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I disputed 2 accounts of XXXX, those accounts are paid for an amount od {$18000.00}, my credit score went down instead of foing up why? ( Equifax ) (

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my XX/XX/2020 payment to Shellpoint Mortgage Company using my electronic bill pay service through XXXX XXXX. The check was for {$1400.00}. Shellpoint Mortgage Company cashed the check and then stated they never received payment. I contacted them by phone for approximately 2 weeks. In the course of one week, my wife and I were sent more than 24 notices from Shellpoint Mortgage stated I was delinquent. I had my bank send the cancelled check as proof of payment to Shellpoint Mortgage in the beginning of XX/XX/2020. The check is dated XX/XX/2020 and on the bank it is endorsed on XX/XX/2020 by " New Rez LLC aka Shellpoint Mortgage '' Additionally, I sent the copy I received from the bank. I also sent a copy directly to a supervisor on XX/XX/2020. I am still getting calls from collection agents from Shellpoint Mortgage attempting to collect money I don't owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicing company, Dovenmuehle, took over my loan after it was transferred. We have an escrow account that they are supposed to pay our homeowners insurance and taxes out of each year. We received a call from our insurance company that our policy was cancelled due to non-payment. We called Dovenmuehle and they informed us that they had only received the declarations page from the insurance on the XXXX of XX/XX/2019 and need at least 30 days to send a payment. They then promised they would overnight a payment to the insurance company to pay the outstanding bill. We called the insurance 3 business days later and they had not received a payment. At this time we paid the insurance annual premium out of our pocket. We immediately called Dovenmuehle and they informed us that they had intended to sell our mortgage last XXXX, but never did, so there was a payment hold placed on our escrow account so they cancelled the overnight payment and didnt call us. They then requested we email them the receipt of the payment we made on the insurance and they would refund us the money and that they would have the payment hold removed from our account. Three business days later we got a letter in the mail saying that they would be purchasing homeowners insurance for us because our policy lapsed and they didnt have proof of our insurance. We immediately called Dovenmuehle again and they informed us that the stop payment ticket had been closed and they didnt know why so the payment for our taxes next month might not go out either. They also informed us at first that they didnt have any proof of the insurance both our insurance company and we had provided. After asking them to look into it further, they determined they did have both the receipt of payment and the full declarations needed and would process our refund check as soon as the payment hold was removed, they could not provide a timeline for when this would occur. They also could not confirm they wouldnt charge us for the insurance they had purchased on our behalf. To date we have still not received a call as they indicated we would and we have not received a reimbursement check for the insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt is a utility bill from a previous residence that included two other individuals that I no longer have contact with. I have payed a portion of this bill some time back and am working under the calculus that I do not owe further monies to this company due to paying my portion. 

Initially, this debt was listed as a collection on my credit report without any identifying information. After disputing this collection a couple of times and my credit report being updated to show the this collection was being handled by National Recovery Agency, I reached out via certified mail stating that I do not believe I owe further monies and to provide me with all account information including balance etc. ( this was taken from a letter on your website ). They signed for this letter on XX/XX/2020 and have not responded to my request. I would like to resolve this ASAP so that it does not continue to affect my overall livelihood.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: SANTANDER HOLDINGS USA, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I called XXXX ( XXXX ) XXXX after checking my account. When I left the dealership my salesman stated that I wouldn't have to pay my first payment until XXXX of XXXX. Due to that fact of still looking for financing. I said ok and left with sales receipt. In XXXX I decided to call about my payments being that I haven't received anything from them in the mail about payments or financing. When I called their customer service number with a representative stating that I hwas behind since XXXX. I was devastated because I asked the sales rep. Explaining the situation I stated that I would make a payment on XX/XX/XXXX of {$790.00} and I would make another payment XX/XX/XXXX of {$500.00}. The rep stated ok that would bring your account down from the balance. I said great and hung up. After checking my balance a couple of the {$790.00} payment I still didn't see it posted to my account so I called again asking why wasn't my payment posted? The rep stated that he didn't see it and that I should call my bank to verify. So I called XXXX XXXX XXXX XXXX on a XXXX Way call so that the rep could also hear the conversation, and XXXX XXXX the missing payment of {$790.00} stating XXXX XXXX With their number attached of XXXX ( XXXX ) XXXX on XX/XX/XXXX that posted XXXX the XXXX. The rep still said he couldn't see the monies and for me to fax to XXXX ( XXXX ) XXXX a statement from my bank with the letterhead, my account # and write the amount of the missing payment on the paper as well. The information was sent XX/XX/XXXX at XXXX, my confirmation id # is XXXX. After waiting all weekend I called Monday the XXXX and they still stated that they haven't received it and adding ridiculous fees more by the day. My proof is attached can you please help get my credit and fees taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf in regard to the information on my credit files. Fraudulent applications were submitted under my name or my identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries on listed in this report and on my credit file. I reported the theft to the Federal Trade Commission, and I have also enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-12
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a phone call on XX/XX/2019 from XXXX stating that he was a 'Compliance Officer ' for XXXX County regarding a case number XXXX and said that i needed to contact XXXX to discuss my options. He said that there was an 'Order of location ' out for me and that he would show up to my residence or job and require two forms or identification and I would need to sign the documents. I called XXXX and it was answered Midland and they said there were trying to collect {$3000.00} out from XXXX XXXX XXXX. They said that they would send it to court and that I would lose so I need to pay it now. I asked for them to send me verification of the debt and they told me they don't need to. I asked who were they and they told me that I just need to pay right now. She got defensive and told me she is not going to argue with me anymore she is just going to send my account to the judge and she will get her money one way or another. She yelled and screamed at me and harassed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Westlake Services, 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: Account information incorrect

Complaint:
I have requested bill of sale from Westlake Financial from where they sold the car i had. They repossessed after agreeing to a partial pay for one month. I have only gotten the bill, no XXXX  where sold or any other items.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company continues to call. There are NO emails, or letters to state what the debt is for and they do not say what it is for. Often times I never hear a call, but there is a message straight to voice mail.

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 2018-06-08
Company: Rauch-Milliken International, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted by debt collector, Rauch-Milliken International ( RMI ), Inc. in XX/XX/XXXX regarding a disputed account. I asked my attorney to respond on my behalf. On XX/XX/XXXX, my attorney responded on my behalf. RMI did not respond to my attorney 's letter. 
On XX/XX/XXXX and again on XX/XX/XXXX, XXXX XXXX, a representative from RMI called and left a voicemail regarding the same issue. Furthermore, I received a letter from RMI dated XX/XX/XXXX. The letter threatened, " to avoid the possibility of asset attachment, including the seizure of ALL bank accounts, inventory, accounts receivable, etc., please contact this office immediately '' ( capitalized for emphasis ). 
I believe it is improper for RMI to be contacting me directly when I am represented by my attorney. RMI never responded to my attorney 's letter dated XX/XX/XXXX. This direct communication is an attempt to bypass my counsel and to intimidate me into settling the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: PNC Bank N.A.
State: NJ
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:
I WAS SCAMMED BY A COMPANY CALLED XXXX PHONE # WAS XXXX THIS NUMBER IS NOT IN SERVICE. I PAID THEM {$6400.00} ON XXXX. THEY DID NOTHING AT ALL FOR ME. I TRIED TO REPORT THIS CHARGE AS FRAUD TO MY CREDIT CARD COMPANY/ THEY SAID THAT THIS CHARGE WAS TOO OLD AND THEIR WAS NOTHING THEY COULD DO FOR ME. I AM A SENIOR CITIZEN AND THEY HAVE TAKEN ADVANTAGE OF ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Originally my mortgage was approved by lender inXXXX and was forgiving XXXX dollars, unfortunately, fell behind one payment during that time and was kicked off of arrangement. Now my current financial has improved, however, this servicer ( Ocwen ) went to a new servicer ( PHHMORTGAGE ) and send in all documents however they claim that my lender which is the same lender THAT HAS ALWAYS BEING does not do any modification or extensions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Navient Solutions, LLC.
State: CA
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:
this loan was made under false pretensis from the sales rep at the university they did not allow me to finish due to an accucation of plagarism- i want this load forgiven if possible as i was not able to finish - NAVIENT is unwilling to listen and they continue to deduct the monthly charge

Company response to consumer: Closed with explanation