BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-10
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not made aware that a balance was remaining on a XXXX account, neither that it was placed into collections. I NEVER received a bill from this company, never received a notice via mail, never received a phone call ( call logs can be provided ) or voicemail. I contacted this company today for the first time and they said they emailed ONE notice in XXXX to an OLD email address that was compromised, and I have no access to. They confirmed over the phone on a recorded line that they did NOT receive my consent to send anything via email and they never verified that was even my email address. Now, my personal information is floating around on the DARKWEB because they claim they sent this to an email they previously got from XXXX. If I owe a debt, I make such arrangements to pay ; however, this is not a debt that I should be held liable. The managers XXXX and XXXX were so very rude and hung up on me three times saying they didn't know it wasn't my email address and whether they send a notice or not, they tried to call and will not remove from my credit or help me resolve. How can this be fair that something is sent to collections and reported although little, to NO notice is given and they confirmed this on a recorded line. The collector has five days after the first contact with the person to Notify you in writing that you owe the creditor money And Notify you of your right to dispute the debt neither was done because I never had  contact with the company and had no knowledge of such 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 2023-07-07
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: TX
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:
The accounts below are more than 8 years old and should be deleted from credit report. 

1. XXXX XXXX XXXX Last reported XX/XX/2020 {$4900.00} Reported balance 2. XXXX XXXX XXXX Last reported XX/XX/2020 {$26000.00} Reported balance 3. XXXX XXXX XXXX Last reported XX/XX/2020 {$3500.00} Reported balance

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 2021-05-05
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a teacher and should soon qualify for Public Service Loan Forgiveness. Any time I have tried to enroll or have tried to find information, I have basically ended in a broken link or a form I can not fill out. I started with just under $ XXXX in student loans and after 8 years of paying them on an income-based repayment plan, I have hardly touched the principal balance. In fact, one of my largest loans, A direct loan, originally for {$20000.00} now has a principal balance of {$22000.00}. Last year, I paid over {$6000.00} in interest alone! If I am paying {$6000.00} in interest in a year, with monthly payments at around {$500.00} ( what I can afford as a teacher ), that means I am only ever paying off the interest, but not touching the principal balance. The fact that interest on some of my loans is almost 7 % is outrageous! After 8 years of teaching, I have not made any progress on my student loans, and still don't even know if I am on the right track for Public Service Loan Forgiveness. It's infuriating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: FIRST HORIZON BANK
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an Express checking account with XXXX XXXX XXXX ( they've since changed their name to First Horizon bank ) with XXXX XXXX at the XXXX XXXX XXXX XXXX branch in XXXX Tennessee on XX/XX/2019. While opening this account, I signed up for a promotional offer of {$200.00}. I've attached the certificate of that offer. I gave this to XXXX XXXX when she was opening the account and she confirmed applying it to my account. The offer required me to open the account with {$50.00} and set up and receive a direct deposit within 60 days of opening the account. I opened the account with {$50.00} and got a direct deposit of {$1000.00} from my employer XXXX XXXX University on XX/XX/2019. The terms of the offer were that the {$200.00} will be paid within 6 weeks of the direct deposit. I never got this money, and calls to their customer service number of the bank branch where I opened the account didn't help at all. They told me they can't see the promo attached to my account and I couldn't contact XXXX XXXX at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To who can help : I have been filing this complaint for this company for months and keep getting a response that is is not looking at my issues with Shellpoint. They are not a company that fact are part of the picture. I have shown that the payments have been made and in the 30 day time frame but late charges are always applied. Even when I send as certified mail ( see enclosed receipt ) to be able to track and show it is on time the fees are still charged. They have collected additional fee for services that have not be authorized. They have charged and collected fees that the original lend stated would be placed at the end of the loan. 
This company is not one that I would do business with but has made it impossible to eliminate, for they are miss reporting to the credit bureau. I need this information removed and corrected to all three agencies. 
Please help me with this issues in writing only XXXX XXXX  XXXX XXXX. XXXX  XXXX, Ok XXXX. I do not take unknown calls. I want this fixed and back on some track of resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: DISCOVER BANK
State: TX
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 would like to request a copy of all documents verifying that I owe the debt to DISCOVER CARD, Not limited to, but including original application with my signature on it. I have on multiple occasions informed them the account was a result of identity theft, and they keep verifying the information as accurate. I have a right to request the documents they are using to verify that the account wasn't opened fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01
Company: LendUp Loans LLC
State: UT
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:
THis Credit card from a place called Lendup XXXX XXXX pulled my credit hard i have conversated with them twice they refuse to take this off my credit report i did not authroize them to pull it someone used my info to apply for a credit card or they tried to set up an account without my authorization and they are refusing to do anyting about it. 
they wont admit that i didnt authroize it they just look at the fact that someone used my phone number and info to apply for an account and it was not me sometimes i share my phone or friends use my phone number but i also know its possible to use phone numebrs iwthout having the phone i get calls all the time from waht shows my own number on the caller idea because people are trying to fradunetly collect money and other stuff from me or sell me fake stuff but they can make it look like a call is coming from another number so i know its possible to clone a number but this company lend up is not willing to do anyting about the fact they messed up and wont fix there XXXXXXXX XXXX now i dont have their card never did never applied for their card and i never would.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date : XX/XX/2023, amount of the debt : {$240.00}. The collection company : CREDIT COLLECTION SERVICES. File number : XXXX XXXX. PIN : XXXX. 
CCS PAYMENT CENTER, XXXX XXXX XXXX, XXXX XXXX  XXXX According to Credit Collection services, I owe XXXX XXXX XXXX {$240.00} for property insurance. I have not purchased or rented any properties. I have also never contacted or signed any property insurance contracts/declarations with XXXX XXXX XXXX XXXX I do not rent or own any properties. Why would I need property insurance? I have called Credit Collection Services for many times and explained that it is a false collection. I also wrote a dispute letter and disputed the collection but they still keep sending me the collection letter that requires me to pay {$240.00}. 

Please ask they to verify the correct information, delete the false collection and stop contacting me. Thank you. 

XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reached out to the XXXX XXXX of Georgia to see if they supply information to a 3rd parties like credit bureaus after sending in my dispute letters to the 3 credit bureaus it keeps coming back verified.

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 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
OnXX/XX/XXXX TransUnion received a dispute letter from me ( see attached letter with certified mail return receipt : XXXX ). I was then notified by TransUnion that because I had contacted them previously, they would complete their investigation before or on XX/XX/XXXX ( see attached letter from TransUnion XXXX XXXX ). I have not received any communication from TransUnion regarding this dispute. This seems to be a violation of FCRA and Texas state law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: FCI Lender Services Inc.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The companies are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Trust, XXXX, XXXX XXXX, XXXX, FCI Lender Services, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX. From XX/XX/XXXX to XX/XX/XXXX ( 3 assignments ) there have been numerous assignments of my mortgage which I believe are fraudulent. There were 8 assignments in just the last 9 months. I have paid interest on a XXXX dollar loan since XXXX at 8 % and have never received a IRS form XXXX which I believe would have helped me when I filed my taxes each year. Also I made two lump sum payments totaling approximately {$630000.00} in XXXX. I never received an accounting of my balance until last month and FCI Lender Services and XXXX XXXX XXXX state I still owe over {$400000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: MI
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 have sent several letters to Equifax about a negative report that is showing up in my credit profile. I am not going to allow Equifax to continue to violate my rights under law 15 USCa ( 2 ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: LoanCare, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notification from my mortgage company, LoanCare which stated that my mortgage payment was not made for the month of XX/XX/XXXX in the amount of {$570.00}. I was able to obtain the cancelled checks for the XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX which had sent the payment to the following address : XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX, PA XXXX It is clear to see on the back of check # XXXX on XX/XX/XXXX was deposited into a XXXX XXXX XXXX account. The back of check # XXXX on XX/XX/XXXX reflects the correct account of deposit as XXXX XXXX XXXX XXXX which signifies LoanCare XXXX XXXX. 
I forwarded copies of both of these cancelled checks to LoanCare on XX/XX/XXXX and was given a confirmation # XXXX hoping that LoanCare would rectify the problem. I called XXXX XXXX XXXX XXXX, which is a subsidiary of some sort of Loancare, which resulted in a recording informing me to log into my account at www.myloancare.com. 
I have gone to my bank and stopped the bi-monthly withdrawals from my checking account by 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 2021-05-05
Company: Managed Recovery Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to contact this company due to me not knowing what this debt is for and, I have not received any proof of me owing a debt to Managed recovery system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
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:
On XXXX XXXX my auto lender with my account # XXXX XXXX XXXX XXXX has deleted the negatives on my account and place my account on " Current Status '' as of XXXX XXXX. 
XXXX XXXX XXXX Account Vice President Ms.XXXX XXXX has sent XXXX, Transunion, XXXX and me a electronic email verification on placing my auto loan " Current '' status as of XXXX XXXX. 
Here is XXXX XXXX XXXX information XXXX XXXX XXXX XXXX, XXXX, Utah.XXXX.XXXX direct number XXXX.and fax XXXX I am respectfully requesting a expedited updated credit scores and credit report as I am going through a VA Loan and purchase process with XXXX XXXX  to purchase a new construction home with XXXX XXXX in Florida. 

I highly appreciate your support as I am XXXX Lifetime, Retired and a US XXXX Honorable Military Veteran. 
Thank You for your wonderful support for our US military Veterans and all Citizens in the Communities of America. 
Very Urgent Matters!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Revolut Technologies Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I opened a prepaid bank account with REVOLUT in XX/XX/2019. See www.revolut.com. The only way to communicate with them is through a phone app which I installed. There is no login but your phone number is used to validate you. 
They provided me with a debit card. 
According to their website, the funds in the REVOLUT account are held at XXXX XXXX XXXX 
Money is loaded to the REVOLUT account using other debit cards ( " loads '' ) It worked for a while but now REVOLUT has " restricted my account permanently ''. It seems because they want to see my spending patterns on a completely unrelated credit card. 
I have a balance of {$4000.00} in the account. 
I have asked them to close the account and refund my the balance but am getting no response. 
I can provide you with my phone number ( used by the Revolut app ) and the Revolut debit card number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Experian Information Solutions Inc.
State: MD
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:
An account was opened with XXXX XXXX for lease in XX/XX/2020. It was a joint account, and we requested COVID-19 relief that was granted for XXXX and XX/XX/2020. Unfortunately, XXXX XXXX took time to process the relief as they lost in the mail contract agreement and check. Finally, I solved the issue by paying the relief fee on the phone, and XXXX XXXX asked me to continue paying my monthly lease from XX/XX/2020. I paid this amount on time. However, XXXX XXXX reported that I did not pay for XXXX and XXXX, which was reported to all three credit bureau. I submitted this inaccurate reporting complaint to Experian, XXXX, and XXXX XXXX  updated the file to remove the delinquency. However, Experian failed to update and shows that I am delinquent for 30 days in XXXX. This is not true. I am filing a complaint against Experian for not updating the results.

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 2020-01-13
Company: College Loan Corporation
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In 2006 I took out a federal student loan in the sum of {$12000.00}. This loan was assigned to CLC and then XXXX. I fully and completely paid off this loan online. The assignee now falsely claims that I not only have not paid off that loan, but that I have two additional student loans which are being reported as delinquent, thereby adversely affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: GREAT LAKES
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received poor information that was not in my best interest that was used to manipulate me into a worse financial situation.  Illegal practices that were not in my best interest Follow the paper trail on Great Lakes End.  They advised be into forbearance instead of an income based loan where the government was picking up the interest.  They gave bad information and with held information that ultimately led to a higher principal which caused the interest portion to go up to the point that the government help was no longer covering the majority of it thus increasing my principal even more as I was told it would accrue on the side and not be tacked on.My documentation is that no common person would choose to add money onto their principal that leads to a higher interest payment when they have the option of an income based repayment where their income is showing XXXX.   I went from XXXX to almost XXXX in debt because of this manipulation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation