BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-12
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:
Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: Statebridge Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2019, I refinanced my home loan. The previous company handling the loan was : Statebridge Company , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Statebridge Company , LLC, ( the former loan servicer ), has {$12000.00} and {$820.00} in escrow funds that they claim has been dispersed on XX/XX/2019, but I have not received the funds. 

My concern lies in that repeated e-mails go unanswered, and telephone representatives can only repeat that their records show that on XX/XX/2019, the funds were dispersed. They are unable to tell me to whom and in what manner. 

An additional concern is that a check with the XXXX XXXX XXXX, they have a " D '' rating and a current alert, for their history of complaints, and unresponsiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: ENCORE CAPITAL GROUP INC.
State: VT
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  has a report that has not be accurately adjusted on the account holder 's credit report. The report states that the account is negative and unpaid. On XX/XX/2017 the account has been resolved with XXXX XXXX, XXXX and the account has been satisfied and closed. The XXXX XXXX, XXXX has failed to share this information with XXXX XXXX XXXX, XXXX XXXX XXXX  has failed to accurately update the information that was originally reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX letter from XXXX 's XXXX XXXX admits I had an account and it was closed. XXXX 's has my record of my account and I hiding material facts regarding my account. All my installment payments were paid on time. 
XXXX 's chose not to report to any of the credit bureaus of my good account. Violation of FCRA. 
On XX/XX/XXXX letter from XXXX states XXXX 's credit program was acquired by XXXX XXXX XXXX. on XX/XX/XXXX including my account. 
My complaint now rests with 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 2019-04-16
Company: EQUIFAX, INC.
State: AZ
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:
The following accounts and credit inquiries listed on my Equifax credit report is fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, {$1500.00}, XXXX XXXX  XXXX, XX/XX/XXXX, {$7500.00}, The XXXX  XXXX XXXX, XX/XX/XXXX, {$360.00}. The following credit inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX  and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Account Control Technology, Inc.
State: LA
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:
Account showed in collections that did not belong to me. Disputed and they closed it the next day and did nothing to fix the problem. I have sent letter to collections agency and XXXX. Letter below XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX XXXX XXXX Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$2900.00} in collection with Account Control Technology , Inc. on the above account. The amount is inaccurate because I have no knowledge of this account nor any association with XXXX university. I am requesting that the error be corrected and removed from my credit report. Please send me any paper work or any information about this account and how it was opened to the address above. 

I am about to enter a transaction that requires my credit to be correct for a large mortgage. If this incorrect information affects my transaction, I will be pursuing legal action for compensation as even a small % point could be tens of thousands of dollars across the life of a the loan. 

I am also reporting this to the FTC under the FCBA as it appears there was no attempt to verify any information when I disputed this info. The item was closed a day after I opened it with nor documentation provided. Please investigate this matter and correct the billing error as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Bread Financial Holdings, Inc.
State: NV
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:
XX/XX/2018 - XXXX XXXX  contacted my Landlord 's mother several times over the past two weeks. This person has no relationship with me, the only way they could have gotten her number was to search for my Landlord 's name. I have already made payment arrangements to bring my account current yet the continue to call her looking for me, she lives in another state and does not know me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Galaxy Capital Acquisitions, LLC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I payed off this credit card in may of XXXX, and than again in XXXX when they said i owed still a passed due amount so i paid that off and than didnt hear from them again til today when i get a notice from my credit union stating that they froze XXXX from my bank account. which was the first time that i heard from this company since aug. of XXXX. the money that they froze today was my insurance money from a loss of our garage to rebuild a new garage with. so i am not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: FEARON FINANCIAL LLC
State: KS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
How do they come up with these figures. They advertise No Lender Fees and a {$1000.00} Off Closings Costs. How does that come up to {$4500.00} to {$6500.00}??? I would imagine the typical lenders fees would be {$1000.00} with an additional {$1000.00} credit that's more like {$2000.00} where are they coming up with {$4500.00} to {$6500.00}?? I don't understand the math.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
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: Information belongs to someone else

Complaint:
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Credit Reporting Agency : Experian Debt Amount : {$3500.00} Date of Debt :? 

I have been disputing this debt since XX/XX/XXXX with Experian. I have asked for verification that I did any business with XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I finally called Experian, and they stated that the collection agency " XXXX XXXX XXXX '' has verified the account. 

I then called XXXX XXXX XXXX and asked them to produce something that shows this is my account. They only said that they have my name, social security and an address that I never lived. 

I then hung up with them and called XXXX XXXX XXXX XXXX XXXX XXXX ( the original creditor ) and asked them to produce a signature or document from the original date of service and she did n't have it and referred me back XXXX XXXX XXXX. 

They have not produced any item that shows this is my debt. 

I am requesting that this be 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 explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: MA
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 am trying to get an issue resolved with XXXX XXXX and have disputed it through Experian and XXXX but am having difficulty. 

I had bought my car at lease end on XX/XX/2020 and paid off the up to date payoff balance and the dealership sent the disposition fee. On XX/XX/XXXX, XXXX XXXX received and paid an excise tax on the car but when they sent me the bill in XXXX, it was labeled as a disposition fee, which I knew was paid. I called XXXX and was told the disposition fee was never paid. I contacted the dealership and they sent out a copy of the canceled check. I was not notified by XXXX again, and in XXXX I noticed a XXXX point drop on my credit file due to a past due payment to XXXX XXXX. I called XXXX and was told that it was the disposition fee, ( not an excise fee ) that was late. I explained that the dealership paid it and would contact them again, I was told once proof of payment was made they would correct my credit file. I contacted the dealership, XXXX XXXX again and they sent the cancelled check again on XX/XX/XXXX, this time cc'ing me on it. On XX/XX/XXXX I checked and nothing was done by XXXX, so I called and this time was told it wasn't a disposition fee, but an excise tax and they would correct my credit file as it was late. I asked how can I be late on something I had no idea of and even the documentation provided by XXXX was incorrect. I paid the balance of XXXX rather than have it continue to be late though I have my doubts on the validity of the charge as I received another excise tax bill. I really want XXXX to let the credit bureau know that I wasn't late, I wasn't given correct or timely information and I had an exceptional credit score until this happened and delingencies follow for 7 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 non-monetary relief
Consumer complaint received 2021-02-04
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i have been a victim of identity theft, and i have been trying for a long time to work this out, but collector keeps harrasment calling me constantly, and will not send me information so i can try to see who has stolen my identity for these accounts, no information has been received

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Shellpoint Partners, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
NewRez had taken the amount of {$1800.00} out of personal checking on XX/XX/XXXX. On XX/XX/2019, NewRez was again paid {$1800.00} for XXXX 's mortgage, since NewRez claimed they never received it onXX/XX/XXXX. Bank account shows that in fact NewRez was not only paid onXX/XX/XXXX, but alsoXX/XX/XXXX for the amount of {$1800.00} and XXXX. According to NewRez, our bank had placed a hold and they were not able to receive the payments. Called XX/XX/XXXX, spoke with associate XXXX at XXXX bank, and confirmed that there were NO holds on NewRez with our checking account or for my spouse 's account, which is completely separate from the family checking account. We have paid for 2 months mortgage, XX/XX/XXXX, and XX/XX/XXXX, all of which can be shown by bank statements with absolutely no refunds except from our bank after filing a dispute forXX/XX/XXXX withdrawl that NewRez will not acknowledge. NewRez claims that they had refunded our accounts for both payments in XX/XX/XXXX Bank accounts will show that no refunds were ever made. The only refund that was made was for theXX/XX/XXXX payment and the refund was given by our bank along with a dispute against NewRez/Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
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: Was not notified of investigation status or results

Complaint:
I have not received credit reports within the 30 days. I sent dispute letters XX/XX/2020 and XX/XX/2020. XXXX and transunion have yet to respond and this is really hurting my credit. Will you please make them respond to me.

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 2019-04-16
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i have been receiving calls from several numbers XXXX XXXX XXXX XXXX Caller ID state " Convergent '' nothing else since the beginning of XXXX, they call about 5 time or more a day from different numbers and leave no message. I spoke with them in the past about this issue about a year ago and they stopped. They stopped because i threaten to file a lawsuit against they because they stated i owe them when i have documentation providing i dont. and now its starting to happen again attached are screenshots of recent harassing calls but not all.

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 2021-05-04
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:
XX/XX/XXXX {$360.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$8300.00} I have sent TransUnion 3 letters over the last 105 days asking them to send me the original application of these fraudulent accounts. They have yet to do so. 
They sent me 2 replys saying their investigation is complete with no proof.

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 2019-04-16
Company: Bread Financial Holdings, Inc.
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XXXX.XXXX, the XXXX credit card issuer, had charged me twice for the amount of {$10.00} totalling {$20.00} saying that they had not received payment when they HAD : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
1. I have a mortgage with ditech 2. Ditech is charging me more than is required to pay the loan. 
3. Ditech is charging me more than {$37.00} in excess of the proper monthly payment. 
4. I paid Ditech {$1000.00} with instructions to apply to my escrow account. Ditech has categorically refused to apply this funds to escrow account. 
5. Starting XX/XX/2018 Ditech again increased my monthly payment to another {$70.00} per month without any reason. 
6. Ditech is charging interest on actuarial basis without my approval and prior agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Atlas Credit Company, 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: Account status incorrect

Complaint:
ATlas Credit COmpany XXXX XXXX XXXX XXXX XXXX TX XXXX Company or the Credit Bureaus have reported inaccurate information about my account they are saying i am 60 days late and that is not true problem hasnt been fixed all payments were made on time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Navient Solutions, LLC.
State: AL
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 submitted Income based repayment to Navient on XXXX/XXXX/19 well within my 45 day timeframe for processing my loans that were set to come out of grace on XXXX/XXXX/19. On XX/XX/XXXX I received emails that my IBR had been processed and approved. However the amounts approved are more than my income. I also have XXXX loans that are on IBR and are a {$0.00} a month payment. They are wanting {$140.00} on one set of loans and {$1300.00} on another. My AGI for the previous tax year is under XXXX well under the poverty line so I should have a {$0.00} IBR payment. Today my loans updated to a total amount due of {$1500.00} on XXXX/XXXX/19. I was told that my IBR submission wasn't processed for those loans and went to another loan. I am not sure why they can't get their information correctly and process my IBR correctly, I shouldn't have to submit my application 6 times like I have since XXXX. I resubmitted my application on XXXX/XXXX/19 and was told that I was due to pay the total amount due because it wouldn't be processed in time. This is ridiculous- this is more than I make a month and not even feasible when I have submitted what was due on the following dates : XXXX, XX/XX/XXXX, and now once again XXXX. This better be fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Immediate Credit Recovery
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi, I have been unable to get a valid response from their collection team. I am at the end of a very long rope. I have logged complaints on their site, with the department of ed and with FASFA. I understand that their business model requires that they maintain exuberant fees. However, I would hope that would not be at the cost of integrity. Several things keep occurring and I can not get the correct resolution. 

1 ) All my requests for accountability have been ignored. This should include any computer calculation programming ( to validate for errors ) and the itemization of how numbers were applied.

2 ) Several documents uploaded to their portal were removed by their company 3 ) The initial contact person was okay, but massively misquoted the payments. If the ONLY way you communicate is phone, then why is that person 's system so radically different from the office staff?

4 ) Why do they refuse to make contact via e-mail? I have extremely limited phone use.

5 ) I have now made 4 payments of {$370.00} to the dept of ed and my loan has not been released. Furthermore, they have stolen these payment to apply to their fees instead of the loans.

I am trying to work with what now appears like a corrupt company. Is this the image they are striving for? They will not provide me with an officer 's name at the company to discuss how to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Medical Data Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We received a collection letter from Medical Data Systems , Inc. dba Medical Revenue Service ( MRS ), Inc. located at XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX on XX/XX/2020 alleging their client, XXXX XXXX Hospital in XXXX, CA was owed money. we responded with a letter via certified return receipt on XX/XX/2020 denying any monies were owed and indicated that in accordance with the fair Debt Collection Practices Act that they should cease and desist all further communications, attempts to collect the debt, and provided an explanation of why the debt was not owed. The certified letter was verified as delivered. On XX/XX/2020, we received another letter from MRS acknowledging receipt of our letter and attempting to collect the debt again.

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