BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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:
To : Consumer Disputes and Compliance Dept, This letter is a formal complaint that you are reporting false, incorrect credit information. 

I am really distraught that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. It is your companies duty that every step must be taken to assure the information reported is completely accurate and correct.These items below are not correct and are keeping me from from purchasing my 1st home. 

I would like these items immediately re-investigated as the items below are erroneous, inaccurate, incorrect and falsely reported accounts. 

1. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016and was never late. Please update this item to reflect no late payments. 

2. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016and was never late. Please update this item to reflect no late payments. 

3. I am the wrong consumer for this item. This is not mine XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX Account Number : XXXX This is not my student loan and should not be on my credit report. This belongs to someone else. Please provide proof of a contract signed by me or remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received duplicate billing for same month. Suspect, in that I pay a month in advance. New home built and mortgage sold to Wells Fargo. Payed first mortgage payment on XX/XX/2018 with check # XXXX for payment due XX/XX/2018. Payed second mortgage payment on XX/XX/2018 with check # XXXX for payment due on XX/XX/2018. Payed third mortgage payment on XX/XX/2018 with check # XXXX for payment due on XX/XX/2018. Payed fourth mortgage payment on XX/XX/2018 with check # XXXX for payment due on XX/XX/2018. Then received a duplicate bill for mortgage due on XX/XX/2018 on XX/XX/2018. I  received another bill for mortgage due on XX/XX/2018 on XX/XX/2018 and opened both. I immediately called Wells Fargo Home Mortgage at XXXX ( on XX/XX/2018 at XXXX XXXX  ) and ended up talking to three individuals the last named XXXX XXXX from " The Presidents Office '' whom became so defensive that he interrupted me 4 times and became crass I hung up. I requested, multiple times, he explain to me why I received duplicate bills when I pay a month in advance and that this action on the part of Wells Fargo is unacceptable. Mr. XXXX would not address the issue at any point nor provided an explanation.

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 2017-02-25
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This debt has been disputed and it was found that original collection company did not have sufficient information to validate debt so item was removed from my credit file. However, they sold it to another agency, ERC and if is now reporting again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2018-09-11
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
AES is being deceptive on their stance that they are not breaking the law while maintaining that they're not harassing me when they make daily phone calls because an account is delinquent. 

Pennsylvania Fair Debt Collection Practices Act 2270.4. Unfair or  deceptive acts or practices. ... ( 4 ) A creditor may not engage in any conduct the natural consequence of which is to harass, oppress or abuse any person in connection with the collection of a debt. 

*indicates that an event or similar event in nature has occurred ( i ) The use or threat of use of violence or other criminal means to harm the physical person, reputation or property of any person. 

* ( ii ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

( iii ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( a ) ( 3 ) of the Fair Credit Reporting Act ( Public Law 91-508, 15 U.S.C. 1681 et seq. ).

* ( iv ) The advertisement for sale of any debt to coerce payment of the debt. 

* ( v ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number. 

* ( vi ) Except as provided in paragraph ( 1 ), the placement of telephone calls without meaningful disclosure of the callers identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
American Education Services is refusing to honor my IBR certification information on file with Studentloans.gov website. Although it is effective through XX/XX/2019, see attached documentation, American Education Services is demanding I recertify with them. 

American Education Services has now capitalized the outstanding interest on my loans, directly violating my IBR agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have reported fraud accounts being reported on my credit report by Equifax and only Equifax. I have took the proper steps per the fcra to have the fruad removed and blocked. I have submitted a FTC report, police report and copies of my id numerous time. I have contact Equifax fraud department several times and was hung up on by the rep when I stated they have violated my rights. I provided them with proof of the violations and have been hung up on every time. This is not ok or legal. Equifax is causing my family great hardships and I will be pursing equifax in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX/JCPENNEY is reporting that I was late 30 days in paying in XX/XX/XXXX. I have never been late in my payments to this company since I opened my account in XX/XX/XXXX. As of matter of fact, it is the only 30 days lateness on my credit report. It is the first time I see this information. It is not accurate and I want it removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18
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: Their investigation did not fix an error on your report

Complaint:
To : Consumer Disputes and Compliance Dept, This letter is a formal complaint that you are reporting false, incorrect credit information. 

I am really distraught that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. It is your companies duty that every step must be taken to assure the information reported is completely accurate and correct.These items below are not correct and are keeping me from from purchasing my 1st home. 

I would like these items immediately re-investigated as the items below are erroneous, inaccurate, incorrect and falsely reported accounts. 

1. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016 and was never late. Please update this item to reflect no late payments. 

2. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016 and was never late. Please update this item to reflect no late payments. 

3. I am the wrong consumer for this item. This is not mine XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX Account Number : XXXX This is not my student loan and should not be on my credit report. This belongs to someone else. Please provide proof of a contract signed by me or remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: VW Credit
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I leased a XX/XX/XXXX vehicle it had a 36 month term. In XXXX of XX/XX/XXXXmonths before the lease was up I paid the car off. I went to DMV and obtained the lease. 

VW credit XXXX had placed a XXXX balance on my credit report. Ive contacted them numbers times regarding this balance. They say they will remove it and update the status but they never do. As a result my XXXX and XXXX  scores has dropped nearly 100 points! 

This is XXXX XXXX  and XXXX  to say the least. Ive even tried to dispute this through their websites. But there is nothing setup where I can upload the title of the vehicle. Please HELP me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Hi, In order to see your free credit report on Experian you have to submit credit card information after which they charge you {$20.00} a month for " credit monitoring. '' If you do not want credit monitoring there is no way to cancel it online and you have to call and sit on hold as long as an hour or more. 

We all as citizens are forced to deal with FICO it is not a choice, and are therefore without choice subject to using these for profit companies, in this case Experian. It is absolutely unreasonable that I should be forced into a situation where I have to wait hours on hold to not use there service that I never willfully chose in the first place. 

They are essentially exploiting consumers who they know need to check their reports by forcing them into more profitable paid services.

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 2019-05-22
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a debt to Citibank which handed the debt over to XXXX XXXX. XXXX took me to court back in XXXX and was awarded a judgement of {$5900.00}, and I have been making {$80.00} a month payments ever since. On XX/XX/XXXX I was contacted by XXXX XXXX from XXXX XXXX XXXX and I was told the debt was given to them. I paid {$2000.00} and was sent a letter stating the debt was settled. I received letter from XXXX on XX/XX/XXXX, from their attorney XXXX XXXX stating that I owed {$1900.00}. I don't recall the exact date but I called and explained that I paid the debt off and sent them a copy of the letter stating it was paid in full. I received another letter on XX/XX/XXXX from XXXX XXXX stating that I still owe the debt and they never authorized any other agency to collect. I called Citibank to explain what happened by they just directed me to 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 2018-11-19
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I believe the company 's name is Credence Resource Management. The phone number is XXXX. They call me every business day and don't leave a message ; the latest call was today XX/XX/2018 at XXXX. I believe they are calling for the person who previously had my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
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:
I asked for this to be investigated numerous times, XXXX XXXX ACCOUNT XXXX on the last investigation the 30 days ended XX/XX/XXXX.. 

I wanted to to re dispute adding my FTC identity thief paper work. I tried fax it in the line was busy ... so i went on the web site AND SOMEONE RE OPENED THE DISPUTE XX/XX/14 SO NOW I CAN NOT ATTACH MY FTC PAPER WORK! 

I did not request for this to be reopened until i supplied my more paper work! 
now I can not add it AT ALL according to the rep i spoke to i have to wait 30 more days to reopen and add

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 2020-09-07
Company: EQUIFAX, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
I mailed XXXX letters on XX/XX/XXXX Sent failure to respond letters on XX/XX/XXXX Sent 611 letters on XX/XX/XXXX Sent another round of XXXX letters on XX/XX/XXXX just to be sure These letters were all pertaining to my bankruptcy record on my credit report. The bureaus have 15 days to respond showing how they verified bankruptcy, and did not respond either time. 

I sent each of these type of letters to ALL THREE BUREAUS. I have only attached those for XXXX  to avoid redundancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Servis One, Inc., Titusville, PA Branch
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our current mortgage was with XXXX XXXX. We received a letter stating our mortgage loan was sold to BSI Financial services. XXXX XXXX informed us within the 15 days our loan was being sold to XXXX XXXX. XXXX XXXX would start servicing our loan XX/XX/2018. It is now XX/XX/2018 and we have not received any type of letter informing us that they are our new servicer. 
A gentleman has called us but he only asked us what was our plans pertaining to the house. ( yes, we our behind on our mortgage but filing bankruptcy with plans to keep the house ) I asked him where our introductory letter was as that is required by law? No response. XXXX has failed to follow the law in regards to the sale/transfer of a mortgage. 
Please inform myself what my rights are under the law and who I contact to pursue action against XXXX. Such as what type of attorney ( real estate attorney etc.. ) As I plan to pursue to the fullest extent of the law. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: Selene Finance LP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/2016 selene finance bought my mortgage, on this date I was informed that my monthly payment was going up. from {$770.00} to $ XXXX.I was in chapter XXXX bankruptcy at this time and the new mortgage company knew it from the letter they sent me.This company did not file with bankruptcy courts as bring my new holder or the rise in the paymeny.I informed the company of this, but made no effort to change it.So for the next 14 months I was {$110.00} short, so that comes to {$1500.00} short on my escrow.The company said I am {$4000.00} short.I tried to explan this to them, but I am not getting anywhere wiyh them.If they had followed the bankruptcy laws this wouid not have happened.And somebody needs check their math

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: MEGASTAR FINANCIAL CORP
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company Megastar Financial changed their billing address, and in the process they also changed my account number. I had been using an Automatic Draft Payment option, which somehow did not get transferred. I never received notice that I had an intermittent payment due, but I did get phone calls Megastar Agents on numerous occasions ( even after I had fixed the problem. ) Then, when I tried to adjust my account numbers, the steps were numerous and cumbersome, and resetting the Auto Draft program was delayed. This delay also happened without Megastar notifying me, until an agent called and threatened me with a Collection Agency. The worst part was that she could even see that I had Auto Draft set up, but that it was n't activated yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting an account to my credit file with a balance that it should not have. This debt is paid off and I need the entire account removed or updated to show a good account.

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 2020-11-16
Company: MONEY SOURCE, INC., THE
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I have made extra payments so that I could knock down my Mortgage principal amount, but this mortgage company is posting the extra payments towards future monthly payments instead of applying them towards my principal. For example, the extra payment I made in XX/XX/XXXX, they are applying it to the mortgage payment for XX/XX/XXXX ( instead of applying it to my principal amount ). I called them to complaint about it, and asked them to apply my extra payments towards my principal instead of applying them to future monthly payments, they promised to fix it, but they did not fix it. In my opinion, they are illegally holding my money and making extra interest income from it instead of knocking down my mortgage principal amount. Here is how the payment history looks like : XXXX XXXX {$500.00} {$0.00} {$0.00} {$0.00} {$0.00} {$500.00} XXXX XXXX {$620.00} {$980.00} {$0.00} {$990.00} {$0.00} {$2600.00} XXXX XXXX {$900.00} {$0.00} {$0.00} {$0.00} {$0.00} {$900.00} XXXX XXXX {$500.00} {$0.00} {$0.00} {$0.00} {$0.00} {$500.00} XXXX XXXX {$620.00} {$990.00} {$0.00} {$990.00} {$0.00} {$2600.00} XXXX XXXX {$500.00} {$0.00} {$0.00} {$0.00} {$0.00} {$500.00} XXXX XXXX {$620.00} {$990.00} {$0.00} {$990.00} {$0.00} {$2600.00} XXXX XXXX {$610.00} {$990.00} {$0.00} {$990.00} {$0.00} {$2600.00} XXXX XXXX {$2000.00} {$0.00} {$0.00} {$0.00} {$0.00} {$2000.00} XXXX XXXX {$0.00} {$0.00} {$0.00} {$1400.00} {$0.00} {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed this company on my credit report and took actions on getting this matter resolved without any resolution. Starting back in XX/XX/2017, I have reached out by certified letter asking for this company to verify by the two accounts they have on my credit report. The account numbers are : XXXX {$580.00} and XXXX {$490.00}. In said letter it stated that I had no knowledge of the contracts nor did I give permission to anyone to represent me to get said contracts. I requested that physical verification of the original contract and certified consumer contract that is wet ink signed. of any and all accounts that they requested to be posted to my credit report. ( FCRA Section 609 ( a ) ( 1 ) ( A ). Due to the fact that copies are not validation and by law are not considered proof, this company failed to even provide anything at all. Due to their lack of responsibility, these actions have adversely affecting my credit worthiness and as a result I am being denied due to their inaccurate reporting. I demand IMMEDIATE and PERMANENT removal of the two above mentioned accounts from all 3 credit bureaus and their data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I received a call today ( XXXX @ XXXX ) from XXXX stating that I have a debt XXXX, I did n't immediately remember but I felt as if I paid it off already. Nonetheless the lady by the name of " XXXX XXXX '' with XXXX Law firm ( I could not find this anywhere online nor XXXX in XXXX AZ she gave me ) asked for credit card info today and if they did n't get it I was going to be sued and sent to court .Then when requested some type of " verification '' of debt, she hung up.

Company response to consumer: Closed with explanation