BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-14
Company: Experian Information Solutions Inc.
State: NM
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:
Enclosed XXXX will find correspondence with XXXX XXXX XXXX XXXX showing they have taken the steps to remove account from collections status. Experian has been notified of bankruptcy no less than seven times now requesting my credit report reflect accurately. I have provided discharge notice on every occasion along with request to fix the errors. Experian has failed to fix the problem. At this point my attorney is suggesting that Experian is the liable party for a law suit. I have provided all documents for this very simple error. I will provide them all yet again in this complaint. If this is not resolved in the next 30 days a law suit will be filed in federal court for violation of court order and violation of the Fair Credit Reporting Act. XXXX with XXXX XXXX XXXX XXXX informed me, on a recorded line on XX/XX/2017, that  any failure of this reporting correctly would be a failure on Experian 's part not theirs. All other companies who were informed of their inaccurate reporting fixed the errors within a week and were also reflecting within that time frame. There is no excuse for this gross negligence other than someone somewhere is not doing their job and it is reflecting poorly on the company and harming the consumer.

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 2021-04-15
Company: SUNRISE CREDIT SERVICES, INC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
During a phone call on XX/XX/21 at XXXXXXXX XXXX XXXX  with Sunrise Credit Services , Inc . I requested a copy of the invoice or bill they were calling about because I believed it was paid. The agent continually instructed me to go to their website, which I explained I had first attempted when I received their letter and was taken to a foreign website which I was not comfortable with. She aggressively told me to get on the computer and listen to her. I again stated I wanted a copy of the invoice mailed to me for review and that I didnt want to view it on line as I was not comfortable with their company website, She again told me to be quite and listen to her instructions. I again told her it was my right to request a written copy of the invoice. She loudly told me I needed to listen to her and do as she said. I told her I was going to file a complaint regarding her attitude and she hung up. 
The mailing address of the company is XXXX, NY, but the website www.sunrisecreditservices.com goes to a foreign site. I feel this is a deceptive firm that is not abiding by US laws and regulations.

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 2020-09-11
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company Crown Asset Management XXXX Cant get any information from company on lien on my moters house she has passed away her name XXXX XXXX XXXX My name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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:
In XXXX of XXXX I made a payment of over {$3000.00} to XXXX XXXX XXXX after being fired from my place of employment in XXXX of XXXX following an incident in which I was hurt on company property. I found new employment in XX/XX/XXXX and was able to combine funds from my new employment to make a size-able payment to XXXX to catch up on my car loan from the time I was unemployed. In XXXX of XXXX, I was laid off from my new job due to the Covid-19 pandemic and while I applied for unemployment, it took over 4 months for my application to be processed and I received a back payment in XXXX of XXXX. This was my first unemployment payment. In XXXX of XXXX, my XXXX XXXX XXXX was repossessed due to non-payment. I made all of my creditors aware of the fact that I had been laid off in XX/XX/XXXX, and all of them worked with me EXCEPT for XXXX XXXX XXXX. I was waiting to receive my unemployment to try and catch up on everything that had fallen behind, including my car loan. They repossessed my vehicle prior to my unemployment ever being received. I tried talking to them via telephone and they would not work with me. Additionally, they have since written my debt off as bad debt but continue to report a past due balance on my account which is a violation under the FCRA. I have made disputes both with XXXX and all 3 Credit reporting agencies, I entered these disputes on XX/XX/XXXX, it has now been nearly 60 days and I have yet to hear back from XXXX or the CRAs regarding this matter. I requested the account be removed off my credit and have yet to receive a response. Additionally, it has recently come to my knowledge that there was a bill presented in XXXX : XXXX XXXX XXXX in which it states that there is a restriction of the repossession of vehicles for certain persons suffering financial hardship as a result of the Covid-19 pandemic until the expiration of the restrictions on business, yet my vehicle was repossessed before the mandatory quarantine was ever lifted. Please help me remove this account from all three of my credit reports as it not only caused me great suffering in XXXX of XXXX when it happened, but it is STILL impacting me today, as I am still unable to purchase a new vehicle due to the impact this has had on my credit and personal finances throughout the Covid-19 pandemic. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
PenFed has reported my payment history as 30 days late during the months of XXXX & XX/XX/2021. During those months I had approved skip payments on my account. The confirmation numbers are XXXX and XXXX. In XXXX of 2021 PenFed attempted unauthorized recurring payments from my bank account which looks to have caused a series of rejected payments. Reporting the XX/XX/2021 payment as 30 days late is inaccurate as well. is reporting inaccurate payment history on my credit report. This is all a violation of the FCRA.

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 2019-06-17
Company: The Leviton Law Firm, Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a letter from The Liviton Law Firm Ltd stating that they have been retained by XXXX XXXX. They are saying i have an outstanding balance with XXXX XXXX and want to resolve it. Only problem is i don't and have never used XXXX XXXX. This appears to be a scam. I can see how an honest law abiding person could fall victim to this. Just want to warn people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Bread Financial Holdings, 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: Their investigation did not fix an error on your report

Complaint:
I have a 30 day late showing up on my credit report inaccuratlly and further more the FCRA 603 15 usc 1681s-3 " EXCLUSIONS '' the term " consumer report '' does not include ( i ) report containing solely as to transactions or experiences between the consumer and the person making the report. my payments are an transactions and does not supposed to be incuded in the report. on Account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I 've learned that all of my information with equifax belong to someone other than myself. My drivers license was stolen, social security card & a copy of my birth certificate have been made. To began with my parents are deceased yet their social security numbers are being used by   XXXX   XXXX  . She once lived with my late father, his name is   XXXX   XXXX  . His social security number is  XXXX . He have been deceased since  XXXX . I reported his death to the social security department. He was a veteran. My mother name is   XXXX   XXXX   XXXX  , she have been deceased since  XXXX . My mother social security is   XXXX   it is still active. A seven year fraud have been placed on   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  . My youngest child have a   XXXX   XXXX   & he is a substance abuser. His name is   XXXX   XXXX   XXXX  . His social security number is  XXXX , his date of birth is  XX/XX/XXXX . He born in   XXXX   XXXX    at   XXXX   XXXX   hospital. He received social security benefits, all that is not being by someone spelling my name as   XXXX   XXXX   XXXX   &   XXXX   XXXX   they ate stealing hold support benefits from social security. The  XXXX  Family is using   XXXX   XXXX   to steal tax returns & my social security benefits. Wire transfers are being done for IRS to deposit refunds into their account with  XXXX . The   XXXX    belongs to  XXXX . Maker U S Treasury  XXXX .   XXXX   XXXX   XXXX   is - XXXX . A  XXXX  employee changed the last digit on my drivers license number on a check   XXXX   XXXX   sent me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/XXXX I submitted a letter to settle by deleting unverified information off my report. Experian, sent me a letter stating they will not follow government law to do so. I am attaching the letter to this complaint along with 4 months worth of letters sent to settle the issue. They wrote I needed to be specific and all my letters stated I want experian to follow the law by verifying the information on my report that I have concerns with. That is very specific. If they are not able to verify they are required to delete, in which the statute of verifying with Proof has expired. I have been sending my verification and they are asking for it in the letter. Experian is ignoring the fact that there are laws that give me the right to ask them to verify any account on my credit report, which would keep creditors honest and reporting agencies on board of reporting things they suppose to 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 2019-08-03
Company: JPMORGAN CHASE & CO.
State: ID
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
We took a XXXX XXXX loan on our home in XXXX. Fell behind in XXXX. Have gone through many many many hoops trying to get help from them since XXXX when my husband passed away only to be denied. We have paid over XXXX dollars a month for 12 years to them ... Chase is now foreclosing. They have collected over XXXX XXXX dollars in the last 12 years and are saying we still owe them XXXX XXXX dollars. 
They say in their foreclosure complaint that the last payment was XX/XX/XXXX ... My last payment was made in XXXX of XXXX. 

HOW CAN THIS BE? HOW CAN THEY DO THIS TO PEOPLE?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive sent numerous requests to this company via certified mail requesting proper validation. Each time the company ignored my request and in fact after 2 certified letters asking for validation have changed their correspondence address and reported this account with new dates. Please note that they have not provided me with documentation showing any type of agreement between me and the party. I have never had a agreement or any type of credit with this company EVER. After doing research on this company I noticed that Midland has been to court several times with various states and agencies. The court documents stated that Midland claimed to have a copy of the consumer agreement for all consumers who owe them. I requested a copy of this agreement and was ignored. Im not obligated to pay a debt buyer who cant validate a debt properly or fail to communicate properly. Theyre known to bully consumers and sue consumers all the time. I have attached a copy of my letter to them along with signatures. Please be advised that Midland has FAILED TO respond to me as outlined below : 1. Section 809 ( b ) of the Act provides that if the consumer disputes the debt or requests identification of  the original creditor in writing, the collector must cease collection efforts until he verifies the debt, or identifies the original creditor and mails a response to the consumer. If the consumer 's request for verification of the debt was made in accordance with Section 809 ( b ) of the Act, the collector need not supply the documentation but only so long as collection efforts are not resumed. Section 809 ( b ) requires that " the collector cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt... and a copy of such verification... is mailed to the consumer by the debt collector. '' In situations contemplated by Section 809 ( b ), the Act imposes the obligation to furnish verification before the collector resumes collection efforts. In the event the collector decides not to pursue the collection efforts, there is no requirement to furnish the documentation of the indebtedness to the consumer. In the event that collection efforts are resumed, the requirement to furnish verification to the consumer prior to resumption of collection remains. <P/>Once again please note that Midland has failed to respond to my requests or provide any documentation to the validity of this reported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX, XXXX, I initiated a refinance application via the usaa.com with USAA. I have banked with USAA for approximately 10 years. I have all my banking and car/home insurance with USAA. I wanted to refinance my existing loan with XXXX XXXX to apply for greater discounts and to consolidate my credit card debt into my mortgage for a more manageable payment. I owe approximately {$86000.00} on my home and it was appraised by the contracted USAA appraiser for {$160000.00}. I was going to refinance for {$120000.00} which is 73.8 % of the value and well within the normal range to request a refinance. After spending over an hour on the phone with the Mortgage pre-qualification, I was emailed several documents to e-sign. I signed everything and was then handed off to XXXX XXXX on XXXX XXXX, XXXX. 

For the following 18 days, I was repeatedly harassed with requests to provide narratives, documentation of income, and then more documentation supporting my narratives. I provided an unofficial transcript to prove my time taking classes 2 years ago, I was asked for my monthly income from 2 years ago, I was asked for a copy of a lease I had, on and on even questioning my daily commute to work, until I finally gave up and requested that the application cancelled on XXXX XXXX, XXXX. XXXX again ignored this request and assured me that the underwriters boss and his boss were now reviewing my loan application, but that they again needed additional income verification! I responded that if I had additional income that he/she would have known because I would have provided it several weeks ago at the initial request. 

Towards the end of the 18 days of harassing gotcha inquiries and prior to requesting the application cancelled, I had requested of XXXX XXXX to refinance through HARP and each request was ignored like I had not even mentioned. I complied with every request for 18 days, until the " underwriter '' asked again for additional income verification! The requests were so ridiculous and frustrating that I can only assume the Mortgage division uses this tactic to underhandedly discriminate against single females without a dual income. I have a good credit rating, never been late on any payments and as mentioned, have {$82000.00} of equity in my home. I 've lived in my home for 10 years. I make over $ XXXX, which is more than enough to manage a {$120000.00} mortgage. 

I refinanced my house through HARP to a XXXX mortgage in XXXX so I know the process to refinance is not as grueling as USAA 's mortgage division imposed. The refinance I did in XXXX was closed in a matter of weeks and NONE of my statements were scoured for dishonesty. 

I have all of the supporting emails for my claim of gender and income discrimination in Mortgage Lending against USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: Thaxton Investment Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Last year this company reached out to me by sending me a check in the mail. Ad the advertisement to accept the loan, I just deposit the check. Well I was I just stuck in a place and had to accept the loan. The terms are 9 monthly payments of {$98.00}. When I was reaching the end of the loan after making all payments on time, they blocked me from being able finish the last 3 months of payments. I defaulted. Well they reached out and forced me into a refinancing that loan causing me to start my payment cycle from the beginning. This time made all payments on time and they have blocked me from being able to finish making the payments. The website will not allow me to make a payment because they want me to refinance this same loan from last year to continue making payments. I do not want to do this I want to finish paying this loan off and be done with them. All my payments have been made on time as the requirements of the contact. Last month they called me 2 days after my loan was due asking me to pay them more money. When I had made the payment two days before. The loan place is Covington Credit XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. Their phone. Number is XXXX if I was to default on my loan they would file a law Suite against 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 2021-10-13
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:
This is concerning XXXX XXXX. This Is not my account. The name is spelled differently and social is different and also address. I sent in my social security card copy, ID and they promised to remove it and never did so. I need the account to be blocked and removed from three credit bureaus. Thank you.

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 2022-10-03
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened an ESCROW account with TD Bank ( XXXX, XXXX XXXX branch ) in XXXX to handle the security deposit for a rental we have in XXXX XXXX 
In XXXX we moved to XXXX and I advised TD Bank to change our mailing address ( to become in XXXX  where we moved. 
In XXXX of XXXX I went to the bank and asked about the account. I was told it had become dormant in XXXX and they did not have the correct mailing address. The bank re-activated the escrow account but then charged {$15.00} per month as banking fees because " the account was changed in XXXX to a different one that had banking fees if it fell below a certain limit ''. This is an ESCROW account that will not increase in value. The funds are there as a security and is in the name of the tenant ( I am the escrow holder ). 
The bank charged an amount nearly {$800.00} for as a service fee over the course of the years. 
I complained to the bank branch in XXXX, XXXX  where we bank and was advised by the bank manager ( after 3 months of waiting ) that she could not do anything ( bank statements which I never received have a 30 day contestation period ). They therefore did not refund any of the money that was charged.

Company response to consumer: Closed with monetary relief