BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: AR
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:
For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove 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 2023-06-14
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-03-04
Company: 21ST MORTGAGE CORP.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
After 10 years of payments toward the unyielding principal of the enclosed loan, it is only through its ballooning payments in XXXX that we realized, we were the victims of the predatory lending that drove our original lender ( primary and equity loans ) XXXX into bankruptcy. 
After a flurry of sale and transfer activity ( XXXX to XXXX XXXX XXXX XXXX XXXX  to XXXX to XXXX ) in XXXX, we had HUD adjustments and interest relief ( offered and initiated by the mortgage holder ) toward our primary mortgage. However, the equity loan was sold to 21st Mortgage and remained unchanged, untill XXXX and their demand for more than four times the amount, of monthly payment. 
With his job loss in XXXX, my husband chose the security and peace of mind, of paying off our primary mortgage with the majority of his 401K savings as he struggled to regain employment. At this ongoing, most financially difficult period of our lives, the enclosed documents will show the threat to our most profound need, our shelter, our home. 
I would appreciate any and all assistance you can provide, in correcting this unjust, remnant of predatory lending that allowed the lenders to walk away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection company by the name of ERC sent a letter by post addressed to me using my maiden name ( married XXXX yrs with using married name ) that I had a debt with a phone company that I previously shut off services with. I closed the account satisfactorily, because they sent me a refund check due to the billed amount was more than the charges incurred due to mid-month shut off. 

Had all the ear-markings of a phishing expedition 1 ) Account number is wrong 2 ) Addressed to me in my maiden name ( 17 years married using my married name ) 3 ) PO Box address in the From line is from Pennsylvania and the PO Box address to line is to Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Southwest Business Corporation
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted in XX/XX/XXXX to collect on a loan originally with XXXX XXXX XXXX. Held as security on said loan was a car that we were riding in when in an accident XX/XX/XXXX. Insurance adjusters deemed the car a total loss.XXXX charged off the balance in XXXX, we were not aware there was a balance remaining after insurance issued payment to XXXX. We received a phone call in XX/XX/XXXX from XXXX XXXX XXXX stating we owed a balance to XXXX  regarding vehicle totaled in XXXX. We made payment arrangements and began repayment on XX/XX/XXXX of {$150.00}. Same amount was paid on or around the XXXX of the month through XX/XX/XXXX. At this time we were in the process of selling our current home and buying a new one and found out that our credit score significantly dropped. It was determined that XXXX XXXX XXXX had transferred our account to XXXX XXXX XXXX. Our credit report revealed that the transfer occurred in XX/XX/XXXX ; however, we had continued to make payments to XXXX XXXX XXXX through XXXX. We were not notified in writing of the new company servicing the debt and the balance did not reflect payments made XXXX - XXXX. We contacted XXXX XXXX immediately to explain the situation and make arrangements to pay the amount in full to improve our credit score so that we could proceed with our new home purchase. To date, our balance has not been adjusted to reflect payments made from XX/XX/XXXX - XX/XX/XXXX despite the fact that proof of payments has been provided. Our credit report still reflects balances owed to both collections agencies, reporting as a duplicate item further impacting our credit score. It is our wish through this dispute to correct the amount owed and obtain a payoff amount so that we can pay the account in full and be assured that this debt will be settled. It is also our request that our credit reports be updated and our credit score adjusted to reflect the payoff as quickly as possible so that our home purchase is not affected.

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 2023-02-15
Company: Financial Recovery Services, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am filing a complaint against a debt collector unbeknownst to me for repeated, daily calls with no voicemails or other information. Since the beginning of XXXX, I have received multiple calls from various phone numbers, including XXXX and XXXX. This month alone, I have received nine calls from the same number with no voicemails or other information. This has been an ongoing issue for the past two months and I have logs of all the calls in my call history.

I believe that this constitutes harassment and I am requesting that the CFPB investigate this matter and take appropriate action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my 4th complaint about Chase during the short sale process. After giving my agent the NET proceeds needed to receive the approval, my agent forwarded documentation showing them their net, and then Chase responded that they would only issue an approval with NO COMMISSION to either agent! They said it's because the agents all work at the same company, they have over 1,000 agents! My agent has called and been treated badly by Chase and is due the commission. Please contact Chase and make them step up, her package gives them their net while still getting the commission. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: CCS Financial Services, Inc.
State: PA
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 have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists. I have no open account with this company. Remove off my report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Capital Accounts called my number asking for a XXXX XXXX and upon already having gone through this with various other companies, I asked to speak to a supervisor or manager and requested to know where and through what skip trace are they acquiring my phone number for this person and I was told that they can't reveal the skip trace company and in asking for someone higher, I was told they aren't available. This has been a continued issue with collection agencies, including Capital Accounts that depend on inaccurate information from skip trace companies and then disturb my phone in the evening time. I want to know how and where they received my number and through what skip trace company so that I can stop this endless problem. 
The old " remove the number '' is no longer viable as far as I am concerned. I believe I have the right to know how they are acquiring my number so that I can hold the proper company liable for these issues- and if not, I can only assume this company wishes to take responsibility for TCPA Violations, as I have had my number for more than 10 years and it is on the do not call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: MST Financial Services, L.L.C.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/18 I, XXXX XXXX, received a phone call at work stating I have an account in collections and my name isn't even on the account. It is NOT my debt and they didn't bother to confirm who the owner is. Apparently they have been harassing my previous employer about it and never once sent anything in the mail to advise me they had an account in my name or I would have disputed it previously. This account isn't mine nor have I ever had this account in my name. My wife has faxed over a letter today stating they are not to contact me any more especially at work. They need to confirm who this account belongs to. Also, I filed Ch XXXX bankruptcy and they show it was included.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 suspect fraudulent hard inquiries on my credit report. I did a thorough investigation and I also filed a FTC report stating the activity I have observed. The inquiries are listed below. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 2022

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 2020-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2021-01-23
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX contends that I owe a large debt on a credit card. I disputed this debt in XX/XX/2014and told XXXX, I do not have the card in my possession and reported it lost/stolen when XXXX first sent me notice of being late to pay this debt. They assured me the charges would not be held against me and they were going to open a fraud investigation. I never heard another word. No phone calls, no statement, nothing. 
This account has gone through many debt collectors and each time, I contact the debt collector and tell them the circumstances and then follow-up with written notice within 30 days of receipt of their collection letter that I dispute the entire debt. 
I also request a copy of a judgment against me to show a court has declared that I legally owe this debt. This has never happened and every time I dispute the debt the notices and phone calls stop for a few months, but then it goes to a different collection agency and the notices and calls start again. These debt collectors call me and they call my wife and ask to speak to me. This happens all all hours of the day and this has been going on regularly since XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: MRS BPO, LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I originally tried to get XXXX internet in XXXXThe technician came out to install the service as the internet was needed for at home learning. When the technician originally came out, it was determined that they could not install XXXX in my apartment due to wiring issues. I thought everything was taken care of until I received a bill from as collections agency called MRS BPO , LLC. I then learned that XXXX charged me for one month of service that I never used. I now have a collections on my account for the amount of {$52.00}. XXXX is engaging in deceptive and fraudulent business practices by charging customers for services never rendered.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: Franklin Collection Service, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

FRANKLIN COL account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: SANTANDER HOLDINGS USA, INC.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Documented that they call to collect a debt 2X a day minimum sometimes more 7 days a week, this is beyond harassment and has been brought to their attention on multiple occasions. This is just the phone calls and doesn't include the emails I receive as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I am filing a complaint about the XXXX XXXX XXXX service. This fall, in XXXX, the company changed the way they notify customers of payments due. In the past, they sent emails containing the amount due on the card, which I would then pay using secure bill payment with my XXXX app. Please see screenshots of emails below. I included one from before the change and two from after the change, which offered no reason for me to think I had a past due payment. I missed a payment due to this change, which I was never notified about. I paid the principle as soon as I realized it was due, but did not realize I had an outstanding late fee, which continued to accrue fees over the next two months. When I received a letter from XXXX in the mail asking for payment, I was shocked and made the payment as soon as I could. However, this 90-day-late payment has now caused my credit score to go down 90 points, and will not leave my credit report for 7 years. As a medical student in my mid-twenties, this is a major problem. I need to have a good credit score in order to qualify for loans. I have taken this matter up with XXXX, and while they were able to reduce my late fee, they refused to do anything to help me get this delinquent payment off my credit report, which is the far more critical and pressing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am intersted in disputing all incorrect information on my credit profile with transunion. checking my file alot of data is invalid please update an correct all information submitted.

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 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
They are reporting to credit bureau on incorrect days. It shows it was reported on XX/XX/2023 but my date is due every month on XXXX. I paid off my credit card and when I dispute the amazing they changed the last report date to XX/XX/2023 with the owed balance. I have prof they are reporting incorrect information

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 2020-07-26
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: Account status incorrect

Complaint:
XXXX XXXX XXXX put a 60 day late payment on my credit report for a Visa card that I have with them that I have not even had in my possession since XXXX. The charges stem from some late fees they claimed were on my account which should have never been there due to the charges on the account were fraudulent and had been disputed and were not adjusted properly on my account. I contacted XXXX and was assured everything was resolved and they even emailed me a letter to confirm they would contact the 3 major credit bureaus and have it removed off of my report They also sent me all the dispute information in the mail and my balance was supposed to be brought to XXXX  and they raised my credit limit by {$500.00} and they were going to send me out a new card. The negative item was removed off of 3 credit bureaus and stayed on XXXX. I even put in a dispute as instructed by the XXXX rep to make the process faster. I called XXXX and informed them that it was still on one credit report and I spoke to the exact same gentlemen who handled the matter originally and he stated he would fix it and that he actually had the disputes that I did and he will rectify the matter. Instead he made and even bigger error by putting the late payment back on all of my credit reports and bringing my score down even further and I attempted to call and could not get through to him. This is my last effort before contacting a lawyer. They affected me getting a property and lowering the limits on other cards as it looked as though I have a recent 60 day late on my credit score. I also still have not even received my card and the credit bureaus are stating XXXX confirmed verified the account as being accurate with the late payment I do not have any late payments on my credit report except this.

Company response to consumer: Closed with explanation