BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I was served a lawsuit by Midland credit management Inc for a debt collection amount of XXXX, XXXX dollars. I immediately hired an attorney to settle the case. Midland credit management Inc responded with a settlement offer of {$500.00} dollars with the agreement of the amount being dismissed in court and reported to the credit bureaus as paid in full. I signed the agreement and paid the {$500.00} dollars settlement on XX/XX/XXXX in which the amount was cashed by the company. On XX/XX/XXXX a updated credit report in my debt collection showed a decreased of {$500.00} dollars to my Midland management account. I Immediately contacted Midland credit management and told them about the settlement agreement along with the the inaccurate debt still showing on my credit and they advised me that there is still a balanced owed on the account and that the court agreement signed by the courts and a Midland credit management representative is not valid will not be honored. I stated to Midland management I will be following up with my attorney regarding this scam and inaccurate reporting to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
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 information incorrect

Complaint:
Recently I did an investigation on my report, due to your erroneous reporting to the Credit Bureaus its highly negative impact on my personal credit report. Please be advised that this is not refusal to pay, but a notice sent pursuant to the Fair Credit Debt Collection Practices Act : 15USC 1638g Sec. 809 ( b ) that your claim is disputed, and validation is requested. This is NOT a request for VERIFICATION or proof of my mailing address but a request for VALIDATION .I would like for my report to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: AES/PHEAA
State: LA
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:
The Fedloan Servicing ( U.S. Department of Education ) is providing consumer misinformation which warrants investigation. I have called this department almost every week to attain information regarding the status of my Income Driven Repayment Plan. On the last week of XXXX, I spoke with XXXX ( XXXX ) who indicated that I had the option of not paying the XX/XX/2019 amount of {$540.00} because my forbearance ( {$5.00} ) had been approved and I should be receiving it soon. It was received on XX/XX/2019 stating the forbearance had been approve, but dated for XX/XX/2019 to XX/XX/2019. This forbearance was supposed to cover XX/XX/2019, but now I am getting different information. Today, XX/XX/2019, I was told that the {$540.00} was still due and that they ( XXXX and XXXX ) work Id numbers ( XXXX and XXXX ) respectively did not understand why XXXX would tell me that this payment wouldn't be due. If you listen to the recording, it would confirm and support everything I have stated. An investigation is urgently warranted. This could be impacting thousands of borrowers. I was disregarding and told they were sorry, but the payment still had to be paid. There is illegal activity and the consumer does not know if the information being received is accurate. The public service forgiveness representative indicated there was missing information when there was none. Another confirm that information stated missing was not missing such as the end date. I am still employed which is indicated. This is outrageous. I was not provided the information until much later and had to resubmit the form which is now requiring a longer processing time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The event begin occurring as of Thursday, XX/XX/XXXX, at XXXXam. 

A lady, who identified herself as XXXX and calling from a blocked number, indicated that she was a representative from the XXXX XXXX XXXX dispatch office. She then proceeded to ask me if I was home and if XXX was my home address. I told her no, and asked what this was in reference to. She mentioned she was in possession of legal documents to deliver to my home and that XXXX XXXX  XXXX were the legal entity. I then requested for the XXXX XXXX XXXX phone number, and she gave as XXXX. 

I immediately call that number and was greeted by an individual named XXXX. He mentioned a case number, in addition to the amount that was apparently in question. He said that XXXX XXXX XXXX was suing me a credit card amount, dating back to XXXX. He began to become irate when I questioned him about the statue of limitations which I thought was odd. He also indicated that if I had the means, I should just make a payment to him over the phone. This was also a red flag, as I was then asked him why would I do that if the office I called was a law firm? Is it standard practice for law firms to collect payment 'FOR ' entities they represent? I then asked if he was a credit debt collector or law firm, and he replied law firm. I then requested to speak with his lead and he hung up the phone. I called the number back and this time he had a very nasty attitude and indicated that I could not speak to anyone above him, and in fact the reason he gets paid the big bucks is to handle 'individuals ' like me. We ended the call, and I proceeded to call my local precinct. 

I was told by the precinct that no one makes phone calls to individuals from the dispatch office, and neither does the Constable 's presiding office make phone calls to request confirmation of one 's address in order to serve any legal instrument. 

I've also since called the XXXX XXXX XXXX bank to confirm understanding of what was told to me about a particular account, as there is no such card on my credit report. The representatives confirmed that the account is no longer with XXXX and there is no active litigation in process with the company the loan was sold to. 

I have since contacted the Federal Trade commission and all 3 credit bureaus to place alerts on my SSN. However, I'm concerned that these black market cyber pros will take my SSN and try to do something harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On Sunday, XX/XX/2019 I went to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX. When attempting to start new service, the XXXX XXXX XXXX representative was gathering my information for my application and running my credit report. 

Upon the XXXX XXXX XXXX representative running my application, he received an error message to contact one of the bureaus. The representative then asked me " Have you ever been a victim of Identity theft? '' I informed the XXXX XXXX XXXX representative that I have never been a victim of identity theft. 

The XXXX XXXX XXXX representative did as requested calling the number and the representative on the other line stated my information on my drivers licence does not match my social. They informed the XXXX XXXX XXXX representative I have to contact the 3 credit bureaus. 

I first filed a police report Monday, XX/XX/2019 and when attempting to contact the 3 credit bureaus I was informed through the animated system I can not proceed as my information entered does not match my social. 

So what documentation do you need for me to confirm my very own identity so this doesn't happen again?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: EQUIFAX, 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:
I'm complaining against Equifax. 
My credit score there is about 80 points below XXXX and XXXX. 
When I called to see what's wrong I was told to check the credit report and let them know what I need to change / dispute. 
I ran the 3 reports through creditreports.gov and the other 2 Bureaus had the same info. on that was on the XXXX  report. I called them again to ask what's the reason for the huge score difference? 
I got reasons that are not making any sense to me : 1- We have our own way of calculation.

2- Our system looks at data differently.

3- Last I got was - tell your lenders to not look at XXXX and use the other Bureaus. 

I'm a victim of an unfair credit reporting. Those guys are hurting my credit score with their " Own Way of Reporting '' There  should be unified measures in place to make sure all credit Bureaus are using the same procedures, measures and calculations to treat all people under this nation fairly. If they are playing with people 's credit scores in their own way this needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Trident Asset Management, L.L.C.
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:
Trident Asset management is fraudulently reporting a debt on my credit reports that does not belong to me. I have contacted the company directly via certified registered mail. They continue to report the account is mine. The name on the account is not my name. I have never used that name. The address on the account is in a city I have never lived. I have furnished correct information to the company and they continue to violate the FCRA with inaccurate reporting. I am XXXX years old. Trident Asset Management has exhibited elder exploitation in their blatant refusal to correct erroneous credit reporting. I have only one name and one address. Removal the fraudulent information is the only acceptable resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a request for feedback and I was unable to sign in to provide that feedback. In my opinion the Complaints that I have filed with CFPB are being sent to the reporting agencies and the agencies spins the Complaint are offer incorrect information without the proper investigation and provide the same erroneous responses. Again, I request an indept investigation into the issues surrounding my Complaints. Also under the Freedom Of Information Acts I be provided a copy of all the Records and communications that are in my Credit History File. If the CFPB is not genuinely willing to assist with getting to the bottom of the improper behavior by these reporting agencies please provide me with the government agencies who would have oversight of this type of issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: BOK FINANCIAL CORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Colorado State Bank and Trust. Account # XXXX I mistakenly thought they were auto collecting from my bank account. Come to find out they were no longer taking auto draft payments. Somehow they notated my file as " do not contact '' so they never contacted me. Today I discovered 5 months have gone by without a payment. I immediately called to make a payment in full to bring my account current. They refused my payment and referred me to a foreclosure attorney. The Foreclosure attorney XXXX XXXX XXXX XXXX XXXX File No XXXX has not processed the file. They said it was a brand new file and nothing was on record yet. They have not filed foreclosure. I called the Public Trustee Office and confirmed Foreclosure has not been filed. Both the Bank ( Colorado State Banks and Trust ) and the Foreclosure Attorney XXXX XXXX are seeking to publicly file foreclosure proceedings against me instead of allowing me to bring the loan current. They are refusing forbearance or to accept any money.. I have all of the money they are seeking to bring the loan current and instead they are seeking to incur unnecessary legal fees and file a Notice of Election and Demand against me, at some point in the future, instead of accepting my money today. I have spend over three hours on the phone with both the mortgage company and the foreclosing attorney and their united and consistent goal seems to be - refuse my money. Take my house. Take my equity. They refuse to work with me whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There is a serious mishandling of our escrow account. The mortgage payment on our house is originally {$1400.00}. We bought our own Flood insurance policy for our house in XXXX XX/XX/XXXX and submitted the documents to Specialized Loan Services so they would have them on file. This Flood insurance was paid in full by us the homeowner and so there would not be a payment that would come out of our escrow account to pay for it. Specialized Loan Services still ending up sending out a payment to the Flood insurance company from our escrow account which put us into a deficit. We spoke with them on Mon, XXXX XXXX to let them know they had made and error as we had already paid our Flood policy in full. They should not of made a payment and they would need to credit that amount back into our escrow account. They had us pay our regular payment of {$1400.00}. Specialized Loan Services said it would be fixed it and it would not affect our mortgage payment. We then received a letter from Specialized Loan Services in XXXX that our XXXX mortgage payment would be {$1600.00}. due to the deficit in escrow. We called and spoke with them on Tue, XX/XX/XXXX and they told us they would run an escrow analysis and to just go ahead and pay the {$1600.00}. They assured us they would have this issue fixed by the time our next mortgage payment came. We again have received another statement that our mortgage payment for XXXX will be {$1600.00}. We called them today XX/XX/XXXX to discuss the errors in escrow and it seems this company just can not get it together. They never ran a new escrow analysis when we spoke to them last like they said they would. The company said they would really run it this time. I can not afford to keep paying an extra XXXX $ a month for their errors. I am on a tight budget as it is and I am afraid I will not be able to afford my mortgage payment this month if they can not fix this error.

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 2019-05-09
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I was unable to request my free annual Equifax credit report online, I kept getting an error message. I mailed a paper request form on XX/XX/2019 but have still not received my credit report. When I try to call Equifax to find out what the status is, I can never get through on the phone, I am on eternal hold. It shouldn't be this hard to get a credit report, I have no problems with XXXX or XXXX, just Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
Company: CL Holdings LLC
State: MI
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:
Just checked my credit score and have noticed a collection company XXXX XXXX XXXX has a very old debt listed as only 2 years 7 months old. This debt was back in 2012 and with XXXX over my phone bill, they could not get me a signal where i lived and i called several times to fix this, trting to cancel my contract etc. Only for them to keep charging me {$300.00} + a month for a service they was not providing. There are records of the dispute and i dont feel like i ahould ve responsiblenpaying for such a horrible service especially after trying to cancel the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Their investigation did not fix an error on your report

Complaint:
Nissan said that it was not on my credit report but it is. I gave the car back when if fell into financial trouble and could no long afford the car. Nissan stated that I was not the only one to have ever fell into financial problems and had to give the car back. It was ok and they got the car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: JPMORGAN CHASE & CO.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have an account with Chase XXXX XXXX so I applied online within 2 minutes I was denied credit for a auto loan. I received my credit report and went through it with a fine tooth comb. I then went to Chase Bank spoke to banker regarding my denial showing them my credit report. He could not understand why they denied me an auto loan. I came home and contact Chase who got me in touch with someone in the XXXX, who in turn got me in touch with Chase XXXX XXXX XXXX. I have been holding for 3 1/2 hours waiting to speak to someone regarding my denied loan and how it has affected my credit and ability to possibly get a car loan. The tape keeps repeating " we are currently receiving heavy call volume, your call is very important to us, you will be answered by the next representative. Will I??? Will I be able to obtain a car loan???? 

I have been going in circles one party at Chase blaming the other saying they don't understand as it appears that I have impeccable credit report. I have no balances, I don't have a mortgage, I have a student loan that is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am uploading additional information pertaining to a previous problem I had with information on my credit reports that were showing a bankruptcy. The upload letter is from the bank stating there was no bankruptcy and that Information is to be deleted. However I still have an issue with this credit union because I did not have 2 loans with them. All loans were combined previous loans were paid off in full. This letter states there are 2 separate loans that is completely incorrect. I only had one loan with them that is supposed to be deleted off my credit reports.

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 2018-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I am complaining about an issue I have with Bank of America I have had a debt collected from my account without my authorization, it was under Legal order not knowing of this issue I contacted Bank of America. When I spoke with a representative they informed me to call the number that was on the account of withdrawal. I found out this was a collection for 7 years ago state tax I had not known about, I had to set a payment method with The state. With that being said I let them know how much they took out of my account which was going to them to resolve my issue the about was XXXX from my checking and XXXX for my savings bringing it to XXXX in total. With the department of revenue service you have to them know the amount so you can establish a payment method. Fast forward, after The department of revenue service received the check from BOA it was short and they only received XXXX. This set my plan back and I had to figure out where the rest of the money was as well as try to prevent drs putting another legal order on my account. I called Bank of America back and they explained that they charge a fee for legal orders and the money that was not sent was kept by them. I asked if the fee could be waived and they said no. Prior to signing up with BOA I was not made aware of this fee as well as the fact that they allow unauthorized charges to my account. I want the fee refunded back to my account. After making the call to BOA they then sent a book explains fees that are taken out of my account. Which is a little to late seeing that the damage was already done, this has been a headache dealing with BOA and their insensitive replys especially since Ive been a loyal consumer for over 6years.

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