BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-24
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My husband and I are applying for a mortgage. I froze my credit in XX/XX/2018 due to fraud on my account at that time. I tried to unfreeze my credit from XXXX and Experian. 

I was disconnected 4 times from XXXX and FINALLY was helped. They have now unlocked my credit. 

I have now been disconnected twice from Experian. There is no consistent way to contact Experian by calling a live, real person. This is discrimination against people who do not have online access. The online access account will not let me access my account, and I am afraid to create a new one because I don't want to mess anything up in the system. 

These agencies have incredible power over my life. It should not be hard for me to contact them, it should not be hard for me to freeze or unfreeze my credit reporting. The fact that these for-profit agencies can have impact over my life like this is ridiculous. They need to fix their system and let their customer service people know that they are to give customer service. I have been on the phone this morning for over two hours and my issue is still not resolved.

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 2018-09-24
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2018 at XXXX a.m., I contacted Midland XXXX XXXX XXXX XXXX and spoke with XXXX XXXX regarding a judgement letter I received regarding a XXXX credit card they purchased. A judgement was entered in the amount of {$3300.00}. Enclosed in the letter, they advised they were inquiring about assests and ability to satisfy judgement. Moreover, they included a financial disclosure form to complete and return. In the letter, they stated if we are unable to reach a voluntary resolution, they may seek to enforce the judgement. 

I spoke with XXXX XXXX and attempted to negotiate the balance. He asked why I had a financial disclosure form. I referenced the letter I received and explained why I was contacting them. I received a VA XXXX check, which is exempt from being reported as per their disclosure letter. I did advise him of that ; I was trying to be forthright and honest with our situation. On repeated times, he kept asking how much the VA payment was. I referred back to their letter and advised I did not need to disclose that information. 

I next requested to speak with someone to attempt to continue to negotiate the balance. I was provided XXXX XXXX to further discuss the situation. He stated the offer of {$2700.00} was the best they could offer to settle. I further advised that it wasn't possible. I explained in detail my financial situation and that I owed the IRS back taxes as well. 

When I mentioned the letter, he stated they already filed the lien against my house. He further stated they will get paid. And, if and when I sell my house, they will get paid before any sale is completed. I asked when the lien was filed, as I've not received any notification. I then referenced the letter, stating that they could enforce judgement, but has not been done as of yet. 

He balked, took a break, then apologized, stating he mixed up accounts. I advised him that I knew my consumer rights and he could not threaten me with liens as a tactic. He made me nervous ; my voice and emotions went up. I advised him that I know the call was recorded, I was filing a complaint, and the call better not disappear. I asked to be transferred to someone else. 

I was transfered to XXXX XXXX. I explained the situation with both employees. He said sorry, there's nothing else he can offer. At that time, I disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It is nice to have the account re-opened, however, the company did not allow me to remove an abundance of charges accumulated onto the account. They are waiting for some companies to respond. I do not mean to bug people, however, I would like to have my account payments reduced.I am not able to pay XXXX a month. I need to be placed into the Payment Protection Plan again. Discover accidentally charged me over {$2000.00} for XXXX charges since having the account. I never signed up for XXXX  or any other additional services on my account. They tell me that they are only able to see statements from XX/XX/XXXX. They should monitor fradulent and faulty charges from XX/XX/XXXX- XX/XX/XXXX also. How are they able to say that I owe over {$5000.00}?, in charges, since XX/XX/XXXX. What if some of the other charges on the account are fraudulent. Then it is okay to say that I am not liable for a {$5000.00} credit card bill. My credit card balance should be cut into half due to the fradulent XXXX   charges that I did not sign up for. Additionally, my payments should be lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: CITIBANK, N.A.
State: MA
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:
There is an inquiry that was placed on my credit report on XX/XX/2018 from SHELL/CBNA, I sent the company a dispute letter asking them to verify the inquiry because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the application they claim that I submitted. What I received from the company is not enough to validate this inquiry. I received the copy of the application today XX/XX/2019, this application was submitted fraudulently.

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 2020-03-05
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
My credit report show a judgement that was satisfied XX/XX/2018 as filed instead of satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023, the companies involved responded saying that they will reinvestigate but after it those fraudulent items are still reporting on my credit report. I submitted a complain again last XX/XX/2023 and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2023-03-13
Company: EQUIFAX, INC.
State: FL
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:
I have attached an FTC report with inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: OH
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:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: MA
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:
Delete all the fraudulent inquiries on my report effective immediately and they include, XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: Carter-Young, Inc.
State: GA
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 am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Account Control Technology, Inc.
State: PA
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 an account by the name of Account Control Technology that has been on my report for months now. This is not my account and i need it taken off. the amount is {$1200.00}. I have disputed this but it has been kept on my 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 explanation
Consumer complaint received 2018-02-19
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I'm a victim of identity theft someone got my information and opened up lots of accounts in my name XXXX, XXXX XXXX, XXXX, XXXX those account don't belonged to me and would like it to be removed

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 2018-09-24
Company: Experian Information Solutions 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:
Please delete the accounts as Experian has not fulfilled their obligation to verify the accounts according to the FCRA. 

I have tried disputing inaccurate information on my credit reports and Experian has refused and failed to conduct a proper investigation. I sent dispute letters in XX/XX/2018 and sent reinvestigation letters in XX/XX/2018 and XX/XX/2018. Experian has had a total of 90 days to investigate the inaccuracies and update my credit report, but they have failed to do so, and the FCRA now requires the items be removed. 

During the investigation process, the collection agencies sent me the records they have on file, which all included incorrect payment histories and the most blatant error was an account that is not in my name. 

Together with my reinvestigation letter, I enclosed a copy of my driver 's license and the collection agency 's record showing the account is in a different last name, but Experian still came back and said that the account has been verified as accurate. It's as if the people who are processing these disputes aren't even reading the letters or looking at the contents inside of the envelope! 

On XX/XX/2018, I mailed my final certified letter to the Experian Legal Department requesting that they delete the accounts on the grounds that they did not conduct a reasonable investigation within 30 days. The certified mail tracking number is XXXX. It was delivered on XX/XX/2018. 

I have attached the XX/XX/2018 letter to Experian and the proof that one of these accounts is in the wrong last name. 

Please demand that Experian uphold their obligation to delete all of these items 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 2020-05-24
Company: FISERV INC.
State: OR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Received my EIP payment ( disappointed it was a debit card and not a check, since my mortgage company doesn't take debit cards! ). The car management site, operated by Money Network has a web page located at XXXX XXXX XXXX that directs users to " no surcharge '' ATMs in the area. Since I didn't receive a check, I now have to withdraw money from the card, deposit it into my checking account, then write a check for my mortgage payment -- a LOT of hassle, and certainly absurd that I should incur fees all because the IRS decided to send a debit card to me instead of the checks they sent to millions of other recipients ( it's also absurd that, instead of the one-time cost of writing a check, the IRS has decided to hire and pay a shady money-lender company to administer these cards that we didn't really want in the first place ). Onto the current issue -- I entered my ZIP code into the Money Network ATM locator site and it identified the XXXX ATM located in my local XXXX grocery store. I went to the store and inserted the EIP card, entered my PIN, and on the final page before committing to the transaction, it indicated I would be paying a {$3.00} FEE ... this is not consistent with the website pointing me to a " no surcharge '' ATM. Chaining me to this ridiculous debit card scheme is insulting enough, but them making me pay a payday lender-style company a fee just to access the EIP dollars that were sent to ME is insane.

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 2018-10-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was with XXXX XXXX for a very long time. They sold the servicing to XXXX XXXX In XXXX Florida. I have been trying to work with them to get a modification on my home due to divorce and health problems. When I applied for the modification they told me that I didn't give them the paperwork in time. I showed them the proof from my e-mail that I did give all the information in time for them to look at it. This was incorrect on their part. 
On XX/XX/2018 Bayview told me that they can't help me due to previous modifications with XXXX in the past. I called XXXX XXXX today and my loan is not backed with them? 
I know the Bayview doesn't care if I lose my home but I am working and a single mother and trying very hard to live in my home. 
Anything you can do to help me would be greatly appreciated. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Advance America, Cash Advance Centers, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a payday loan on XX/XX/19 for XXXX , payback {$780.00}, Advance America XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. XXXX is closing down, I agreed to pay back {$200.00} for, I thought was 4 months, when i went in on XX/XX/19, they tell me I have 7 more payments of XXXX .? thats {$1800.00} on a {$700.00} loan! I am on XXXX XXXX and can not make these payments! Company said, sorry!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint regarding a refund from Mortgage company : Hello, my name is XXXX XXXX My address : XXXX XXXX XXXX, XXXX, CA XXXX. 
My Phone number is XXXX. 

purpose of this letter is to file a complaint citing violations of " Consumer Fair collection practices ACT '', Fraud and misrepresentation '' against SLS Mortgage company ( Specialized loan servicing LLC ). 

Details of the case : I have filed this case in California with the Department of Financial Protection and Innovation but was instructed by them to file my case in Nevada because my house that i paid the mortgage for is located in Nevada. Address : XXXX XXXX XXXX, XXXX XXXX, Nevada, XXXX. 
My mortgage loan in full with my mortgage company Specialized Loan Servicing, LLC. 
A refund from my escrow account for the the amount of {$2000.00} was supposed to be refunded to me from my mortgage company Specialized Loan Servicing, LLC. since XX/XX/XXXX. 

I have called SLS numerous times and spent hours on the phone the last 5 months talking to mortgage representatives and managers at SLS ( Specialized Loan Servicing, LLC. ), however, without any results and my requests were always denied to send my refund of {$2000.00} with a tracking delivery and without success. I have never received my refund since XX/XX/XXXX till the present day of XXXX, XXXX, XXXX. 
My refund of {$2000.00} was never received. It was supposed to be sent on XXXX XX/XX/XXXX. As of the date of this letter, I have not receive a refund as of XX/XX/XXXX. 

I would like to file a complaint about this mortgage company and their frivolous practices and manipulation of consumers. 

I am asking for full refund for the amount of {$2000.00} plus 10 % interest on the funds that were held and kept unlawful in the collection company 's account. 

The company name is : Specialized loan servicing LLC. 
Their ADDRESS : XXXX XXXX XXXX, XXXX, CO XXXX Amount of Refund : {$2000.00} number : The mortgage company phone number : XXXX The mortgage company fax number : XXXX Please help! Thank you, XXXX XXXX ( XXXX ). and my loan number is 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 2019-05-31
Company: Earnest Inc.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a student loan through Earnest and ever since they were bought out and transitioned to to the new servicer I have had nothing but problems!! when I signed up for them they had biweekly auto pay, an app and you could change payment amount online and see payoff date. All of these things are no longer available. The also made me change my payment date when they switched. App has been down for over a year and they have made it next to impossible to pay off the loan. 

I scheduled a payment mid XXXX for XX/XX/XXXX and received confirmation of my payment. It is now XX/XX/XXXX and the payment hasnt posted on my account. It has been taken out of my checking account as of XX/XX/XXXX. Meanwhile the interest keeps accruing! I called Earnest and they tell me that there is a glitch and payments are not crediting. THIS IS A MAJOR ISSUE. had I have not been mini obsessed over my student loans I would have never known and they would have made {$860.00} plus interest off me. The person told me the are updating their system. Updating system when they just did and it wasnt working right? Its been a whole day and my payment has yet to credit. My next payment is coming due soon and I am scared they arent going to credit my account properly for the interest. These people are making $ XXXX a year in interest off of me and they cant even credit my payment?! 

This company should receive action from the government for making it next to impossible for students to pay of their loans and pay them off as fast as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation