BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-14
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Midland Credit Management ( MCM ) called this morning at XXXX XXXX I had already sent them a letter pertaining to a XXXX XXXX bill I explained to them my income which is Social Security and I could not afford to pay this bill and they aggressively was trying to pressure me, corner me, and bully me into minimum payments of {$32.00} on the bill, even though I told ( XXXX and her supervisor ) I could not afford it. I was threatened that the debt would not go away ( by female supervisor ) and legal procedures would soon follow. They also asked me many questions about other debits as to say youre paying them why cant you pay us. The conversation is so tiring from XXXX XXXX to other potential debt that I made owe. I was bullied by two people on the phone I explained to them that they were stressing me out and they did not care, The conversation escalated more more I was having XXXX XXXX and sick to my stomach. I couldnt take it anymore The conversation was going in circles for over 30 minutes so I hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I submitted a review of an erroneous item on my credit report. A lien, that was withdrawn and Experian note it was released/withdrawn but did no remove it from the report even thought the could not verify it and had evidence it was withdrawn.

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 2020-06-24
Company: Andrews & Cox, P.C.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
An agreement was made on XX/XX/2020 through verbally and written agreement. ( see attachments below ) Why is there still a court date? I was told a hearing as not necessary since verbal and written agreement was made on XX/XX/2020. Since then, XX/XX/2020 there have been Constant Harassment by a Private Company Hired By BB & A and XXXX XXXX ( phone calling and constant knocking ) has been ongoing since XX/XX/2020 the date of the verbal and written agreement. The Private company hired by XXXX XXXX and BB & A have attempted to haul my vehicle on XX/XX/2020 at XXXX XXXX. The XXXX XXXX was constantly in the neighborhood making frequent stops to harass persons at XXXX XXXX XXXX XXXX Tn. The employee hired by the Private Company through XXXX XXXX and BB & A attorneys entered my private patio without permission to deliver a warrent from XXXX XXXX and BB & A. The paperwork as left on the patio on XX/XX/2020 at XXXX. He also Threw the court papers inside my car disregarding his six feet distance from me and he was not wearing a mask. There were a lot of rudeness and disrespect by the employee hired by XXXX XXXX and BB & A Attorney. I would like an explanation as to why Court orders were still being filed against XXXX XXXX after the verbal and written agreement and required payments were paid?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Credit Technologies, Inc.
State: TX
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 am in the process of apply for a home loan and then I noticed a hard inquiry on my account. I did not allow this company to check my credit and this was days before allowing the current company look at it. 
I tried to look for the contact information to call and see why this is on there and there isn't any. It dropped my credit 115 points which was XXXX  and now it's causing problems getting a home loan. I need this gone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Tuesday XX/XX/2021. Someone fraudulently sent me {$1500.00} via XXXX  to my account. Upon calling chase to report this, they had instructed that they froze my account and that I can not withdraw or make any payments. I work for XXXX XXXX and I am on official duty and this has interrupted my ability to pay my rent as well as necessary fees. My transaction history does not show any interaction with this XXXX recipient and when I had asked the bank for this persons details in order to file a police report, they stated that they could not provide that to me. My account is now inaccessible and being that its my only checking account, this has led to financial setbacks. Please notify chase to release my funds and that Id like to close the account in order to avoid this issue from randomly repeating itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Prosper Marketplace, Inc.
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Prosper offered a personal credit for consolidating some of my credit accounts with a lower interest rate, Prosper said this would not affect my credit score, Prospers inquiry showed up as a hard inquiry and has affected my credit score negatively. I did not use the Prosper loan because further into the loan application it showed an undisclosed fee of {$500.00} to obtain the loan. I cancelled any transaction with Prosper.

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 2021-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$2500.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-10-12
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 have received a copy of my credit report and noticed that there is information reporting to my credit that does not belong to me. The following information listed in this report I have no relation to. This has hindered me to be able to build a good credit profile. Under FCRA 605B I am requesting that this information is removed from my credit report within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any original documentation stating that I owe a debt to these creditor. Failure to comply will result in a litigation process against all parties involved including any agency reporting fraudulent information to my credit profile. 

The following information is fraudulent. 

XXXX XXXX XXXX Balance {$4300.00} XXXX XXXX XXXX Balance {$520.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX Please Mail all correspondance to XXXX XXXX XXXX XXXX XXXX NC 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 2021-06-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( PORTFOLIO RECOV ASSOC ) at XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$390.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b,  12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b,  12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XX/XX/XXXX XXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- XXXX ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2019-06-14
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I bought my first home in XXXX of XXXX, with a fixed rate, with XXXX XXXX XXXX as my lender. In the 3rd quarter of XXXX they sold my loan to Mr. Cooper mortgage, who currently has my loan. All calculations and agreements were for an approximately $ 1,100/month payment with escrow and insurance. Mr. Cooper eventually raised my payment for {$1200.00}. 
This past week they told me that my payment is increasing by over $ 400/month and I now have to pay {$1600.00} a month. Their explanation of an increase of property taxes doesn't make sense because I had a tax and escrow evaluation in XXXX. Now, 3 years after I bought the house they are pulling this stunt which is putting me in serious jeopardy of not being able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Experian Information Solutions 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 am a victim of identity theft and I did not apply for some mortgage products or credit line from these accounts..I sent a letter to Experian hoping they will help me out but they never did..CFPB please step up and remove the accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX ) XXXX, and 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 explanation
Consumer complaint received 2018-10-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
" " '' I have disputed this Public Record on this Bankruptcy chapter 7-discharged XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed the incorrect information on my credit report for several months with TransUnion, XXXX, and XXXX and I have not been able to get the errors on my credit report corrected. There are several erroneous accounts on my credit report from creditors that I have never had an account with and I want this information to be removed immediately. I have never had an account with XXXX XXXX for {$740.00}, XXXX XXXX XXXX XXXX for {$630.00}, XXXX XXXX XXXX XXXX for {$910.00}, XXXX XXXX {$680.00}, XXXX XXXX  {$1200.00}, XXXX XXXX XXXX {$740.00}, XXXX XXXX XXXX {$440.00}, XXXX  {$740.00}. Please remove the incorrect information from my credit profile as it is negatively impacting my scores.

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 2021-10-12
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CAINE & WEINER - XXXX is a fraudulent account reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I havent received any validation notice via mail or email.

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 2020-06-24
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted Enhanced Recovery Services located at XXXX XXXX XXXX | XXXX | FL | XXXX over 50 times starting XXXX XXXX to present to delete a negative credit reporting on a fraudulent XXXX account. On XX/XX/2020 XXXX issued a letter of deletion to the bureaus and directed ERC to remove immediately as it was under ERC name. XXXX is no longer a client of ERC and therefore I was not required to pay ERC any money. I have also requested a full refund but have not heard or received anything from. As if this date, the negative reporting is on all 3 bureaus. I have tried to contact their corporate office called The Office Of The President but it goes straight to voicemail after 15 attempts. I am in escrow since XX/XX/2020 and this has caused a severe delay in closing my loan and is causing me a financial hardship, as well as a low credit score affecting my loan approval.

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 2019-06-14
Company: TOWNEBANK
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Monarch Mortgage company fabricated mortgage closing documents years after closing settlement and amended my Deed of Trust years after the fact. Although, I refused to sign or amend any documents that were omitted during closing. Their response is that I signed a Power of Attorney document. ( false ) The POA would have been valid to conclude settlement documents and when Monarch held my loan. Instead Monarch, XXXX  XXXX XXXX and XXXX XXXX added forged documents to the Deed of Trust years after settlement without my consent and/or signature/initials.

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 2020-05-04
Company: EQUIFAX, INC.
State: IL
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was told that my monthly payment would be XXXX a month. It quickly escalated to XXXX a month then XXXX a month by switching it from bank to bank which was several, I was contacted by Bank of America and told not to pay my mortgage for several months then apply for a home modification loan that caused me to fight in court for over 1 year and was told based on there guidance that I was losing my loan as a first time buyer. 

In the meantime the three credit reporting agencys continue to deny my rights under the FCRA regarding reporting fraudulent mortgages that are disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
After reviewing my credit report, I realized that there was a Bankruptcy on there that was innacurate. The entry had the wrong court name, Date Paid and Date Updated. 
I mailed in a dispute to Transunion, XXXX and XXXX asking them to investigate and verify this bankruptcy. 
On Friday XX/XX/XXXX I received a response from them saying the bankruptcy was verified as accurate. I did my own independent investigation and I contacted the court where the bankruptcy was filed and they stated they do not issue information to anyone about court records, especially credit reporting agencies ( See Attached Letter from Court ) The fair credit reporting act requires that original court documents be supplied by only the issuing court and not a third party. 
I found out that the information was being supplied by a third party credit reporting agency called XXXX XXXX. I contacted them and asked for information about this bankruptcy and they did not have it on their reports ( See Attached Letters from XXXX XXXX ) XXXX XXXX in a letter stated that they have filed a dispute with the three credit reporting agencies to delete the bankruptcy record but the 3 agencies have not responded.

Essentially, the three credit reporting agencies are not interested in deleting inaccurate accounts because they are more profitable if they are left on month after month. 
This bankruptcy is not on XXXX XXXX which is where the CRA 's get there information for bankruptcies ... so if they don't have a record for it ... how is this bankruptcy " Verified as Accurate '' by Transunion, XXXX and XXXX? It isn't verified because they never investigated my dispute. 
This is a violation of the Fair Credit Reporting Act and is punishable by {$1000.00} per offense. 
Action Required : Investigate this inaccurate bankruptcy and delete from Transunion, XXXX and XXXX credit report. 

Sincerely, XXXX XXXX

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