BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-23
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a phone call from the debt collector in question on XX/XX/XXXX. I told the gentleman on the phone that I had no knowledge of the debt he was attempting to collect on and would be immediately disputing. He said he would be sending me all of the information on it and marking it as disputed. After discussing the above, i verified on my credit reporting app that no additional information was provided and actually discovered that the debt has originally been reported to all the agencies on XX/XX/XXXX. The debt collector proceeded to violate Section 809.a of the FDCPA by failing to provide me written notice, within five days of initial contact, of all necessary information regarding the debt. They also violated section 809.b by reporting the debts to the credit agencies without making contact with myself and eliminating the thirty day period to provide written notice of dispute. Thus eliminating my ability to properly dispute a debt as required BY LAW. They have also allowed the collection attempt to remain active on two of three credit bureaus after being notified of my dispute. Due to these violations and failure to provide adequate information, I have repeatedly requested the debt to be removed from my history because as far as I know this is a fraudulent debt collection attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: CB1, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt collection just showed up on XXXX XXXX as a collection ... tried calling Collection number and only get voicemail to leave your name and number have not heard or received any corespondents

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: EQUIFAX, INC.
State: CA
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 tried to get my credit reports at XXXX on XXXX XXXX, 2017. When I tried to get my XXXX report, it said that there was some problem at this time that prevented delivery. When I tried to get my Equifax report it says that they refuse to deliver it online and that I have to mail in the form supplemented with two photocopied identity documents. When I tried to get my XXXX report, it claims it failed to verify my identity because not enough information was supplied, but I filled in every field in the online form. The website is basically useless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-23
Company: EQUIFAX, INC.
State: GA
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 did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 
XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXXXXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 explanation
Consumer complaint received 2018-01-31
Company: Meridian ARG Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Received a phone call from XXXX stating " they were considering me fore legal action and to contact the law firm XXXX for case number XXXX '' When I called the number not only did they have my Maiden name, the woman on the phone repeatitly refused to give me any information regarding the attorney who filed suit, or the original account number or amount. She threatened me and hung up on me when I asked for additional information claiming " if i didn't want to pay then they would just go ahead and file '' I found the address of the company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I have frequently review my credit report and know this is not a current account, nor is it een an account for the last 10+ years that's been open. The account she was trying to claim I owed on has been paid off and closed and has been for almost a decade.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-26
Company: JPMORGAN CHASE & CO.
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX Chase Bank electronically withdrew {$320.00} from my bank account without my authorization. This has caused me much financial XXXX and XXXX. This was a payment they withdrew in error. I contacted them and they claimed no responsibility whatsoever and said I made the payment and there was nothing they could do. This erroneous theft has since caused me to be overdrawn in my checking account and I have had no access to any money for one week now. This sort of activity is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-26
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt Recovery Solutions reported a medical bill in the amount of {$960.00} on my XXXX credit report without notifying me in XX/XX/XXXX. If they wouldve notified me, I wouldve had the chance to dispute the medical bill that is not mine. The same medical bill was disputed with XXXX in XXXX which was sold to Debt Recovery Solutions. As I stated in XXXX this medical bill is not mine and the billing error that occurred with the hospital is not my fault. Ive been with the same employer since XXXX and Ive always had medical insurance. Attached is a copy of the complaint that I filed in XXXX which has evidence that this bill is not mine and I would like it removed from my credit report and never reported again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
Regarding Disputed Credit item USAA SAVINGS BANK Date Opened XX/XX/2021. 

Dear XXXX XXXX,. 
I do not recognize or acknowledge the following items listed on my credit file : USAA SAVINGS BANK LOAN TYPE CREDIT CARD I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding this item listed on my credit file : USAA SAVINGS BANK Date Opened XX/XX/2021. 
As per Section 609 FCRA, I am entitled to see the source of the information, the original contract containing my ink Signature. 
If you can not verify this account with the original contract, I will expect a response of receipt of this letter to see the item in question DELETED OR REMOVED from my credit file. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS is illegally foreclosing on my house. I sent them a tort letter that they have yet to respond to when its only a week before my foreclosure date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: Monarch Recovery Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I moved out of my apartment on XX/XX/XXXX. Responsibility for gas service ended on that date. XXXX XXXX sent me to collection for {$190.00} for XXXX XXXX. I wrote to Allied and sent a letter from XXXX XXXX where they took responsibility. I sent a letter on XX/XX/XXXX with the back-up and Allied did not respond and this month it appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: CORELOGIC INC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My escrow account is in the negative due to XXXX XXXX XXXX paid taxes for my house and another house with the same street name from my escrow account. I called in XX/XX/XXXX and was told it would be fixed. Called a few more times in XX/XX/XXXX and was told it was being fixed.. Well it's XX/XX/XXXX and still no resolve. I received a statement stating my mortgage was going up to XXXX due to my escrow acct was XXXX. I called and was told they are still working on it. I was transferred to Core Logic the 3rd party carrier and they said they only did what XXXX told them to do. On XX/XX/XXXX I was speaking with XXXX agent ID XXXX at XXXX XXXX and she stated it was not her problem and transferred me to XXXX agent ID # XXXX. XX/XX/XXXX i received a new statement stating my new mortgage payment would be XXXX starting XX/XX/XXXX. XXXX has not received the refunds for the payments they made in error for the taxes. However, I was told if i do not make the monthly payment until they fix it, I could go into foreclosure. I am a single mom who busted my XXXX to get my family in a house. I have paid all mortgages and for them to threaten me that i may lose my home for their error is absurd. I need help. Please Help 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 2018-01-31
Company: Experian Information Solutions Inc.
State: NE
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:
XXXX XXXX XXXX has continued to provide false information on my credit files. XXXX XXXX and Experian  have not corrected this inaccurate information, nor have they truly verified. The creditor was allowed to lie. 

On my XXXX  Report, XXXX listed my account with a 60 days past due in XX/XX/XXXX and a 30 days past due for XX/XX/XXXX. 

Then on the Experian Report, XXXX listed my account with a 60 days past due in XX/XX/XXXX and 30 days late for XX/XX/XXXX. 

I have provided PROOF of PAYMENT, TRACKING AND STATEMENT/LETTERS from XXXX indicating that I was NOT LATE. This has been and ongoing issue with clear violations by XXXX and continued by XXXX XXXX and Experian. 

I have kept the records of previous disputes and receipts of mailing and receipts of information not being updated correctly. 

I have initiated multiple disputes to fix this. The last dispute I provided the following : Credit reports listing false late payments and corresponding disputes XXXX  letter dated XX/XX/XXXX responding to my payment dispute and request for correction XXXX letter dated XX/XX/XXXX verifying acknowledgement of timely XX/XX/XXXX payment received on XX/XX/XXXX with overage applied to principal Copy of Payment sent ( MO XXXX ) and USPS TRACKING # XXXX XXXX XX/XX/XXXX statement for XX/XX/XXXX statement indicating current status Payments for secured funds in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX payment tracking

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 2018-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
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:
Bank of America has continued to provide false information on my credit files. XXXX XXXX and XXXX have not corrected this inaccurate information, nor have they truly verified. The creditor was allowed to lie. 

On my XXXX  Report, BOA listed my account with a 60 days past due in XX/XX/XXXX and a 30 days past due for XX/XX/XXXX. 

Then on the XXXX Report, BOA listed my account with a 60 days past due in XX/XX/XXXX and 30 days late for XX/XX/XXXX. 

I have provided PROOF of PAYMENT, TRACKING AND STATEMENT/LETTERS from BOA indicating that I was NOT LATE. This has been and ongoing issue with clear violations by BOA and continued by XXXX XXXX and XXXX. 

I have kept the records of previous disputes and receipts of mailing and receipts of information not being updated correctly. 

I have initiated multiple disputes to fix this. The last dispute I provided the following : Credit reports listing false late payments and corresponding disputes BOA letter dated XX/XX/XXXX responding to my payment dispute and request for correction BOA letter dated XX/XX/XXXX verifying acknowledgement of timely XX/XX/XXXX payment received on XX/XX/XXXX with overage applied to principal Copy of Payment sent ( MO XXXX ) and USPS TRACKING # XXXX BOA XX/XX/XXXX statement for XX/XX/XXXX statement indicating current status Payments for secured funds in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX payment tracking

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 2020-08-19
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I just received notice that a hard inquiry was made on my credit by Tower Loan in XXXX without my 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 2018-01-31
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for Loan Forgiveness through XXXX. It seemed to be the only website/provider who is able to process Federal Loan Forgiveness for Public Service providers. It was set up through StudentLoans.gov, so I thought it was a legitimate provider. 

I began to process my application sometime in XX/XX/XXXX, to have it start in XX/XX/XXXX. I just finished it. Everything took months with them. In the mean time, I kept on making ( what now I found out ) as endless payments towards my loans. When I had my loans with XXXX ( good servicer ) I was making {$600.00} for the last 3-5 years. I brough the balance down, despite having XXXX kids to support. I now owe {$50000.00}, graduated XXXX in XX/XX/XXXX, and have been making payments for the last 9 years. I worked for XX/XX/XXXX all my life. I am looking to buy a house, so really hoped this process would clear up some cash by the end of XX/XX/XXXX. 

On XX/XX/XXXX, I was finally told that my payments of 9 years are not valid as I did not have loans with XXXX  since I began to make payments. I needed to sign up for some special payment plan to be eligible for loan forgiveness in XX/XX/XXXX. I was never told about this by anyone. And believe me I do paperwork for a living, so I looked all over for this info. This seems to be yet another trap by the big corporations to keep me paying endlessly for loans. 

Just a final note, I made about {$80000.00} last year, married, with XXXX kids. When I did their Income Contingent payment plan I was told I needed to pay over {$900.00} a month ( myself ). When I called XX/XX/XXXX, to see if it can be changed, I was told I could do another, meaningless plan, and pay {$420.00} a month, less than what I paid for the less 9 years. 

I hope you can take my extremely negative experience and find a way to make consumers be able to stop paying endless college loans and invest into the economy. This program seems to be another scam to keep me paying into endless existence. I plan to change my loans to my previous provider and keep my {$600.00} payment as I did before. I will end up paying off my loan within 10 years without this company making money off of me. What a sham!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: LendKey Technologies, Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated my private loans ( some from under-grad, some from graduate school ) in XX/XX/XXXXas the payments from each institution ( XXXX XXXX and XXXX XXXX ) were too high for me to pay. I consolidated with a reputable local credit union. After a few months my loan was transferred to XXXX. At this time I was paying interest and principal, about {$260.00} a month on a {$58000.00} loan. I was seeing the principal decrease, as I was accurately paying on time when I could and memorizing the balance every month. In XX/XX/XXXX my loan was then transferred to LendKey, at the time I still owed about {$38000.00}. Lendkey then upped my payments to about {$1000.00} or more a month. They would no work with my on lowering my payment, and would only offer me forbearance after forbearance which at the time was my only option as I couldn't afford the payment. I naively stopped checking my balance accurately as they only accept checks and payments over the phone. The process to pay online is absolutely ridiculous and extremely difficult to understand, they also charge you a percentage on your payment. My co-signer noticed that the loan was showing up well over {$60000.00} unpaid on her credit report, which is completely inaccurate as I have been paying now for over 5 years. When I called LendKey to discuss, they said they couldn't answer the question and I had to email them. I emailed them and got no response. Now they are claiming I am passed due and my amount still owed is almost 10,000 more than what I originally consolidated for. I tried to contact my original lenders ( XXXX XXXX, XXXX XXXX   and XXXX ) to check my initial loans, but I was not successful. I am hoping you can help me with this issue. I feel like companies like Lendkey pray on young adults just starting out as they know that they can get away with it. Any resolution would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They have been calling more than 8 times A-day every day nonstop. My daughter was made fun of for her XXXX she has no money she is unable to work and is waiting to be approved for XXXX the company will not work with her and continued to harass myself and her and keep telling us both lies they told her if she made a payment that it would push everything back for 30 days and be fine then 5 days later they called me told me the loan Would be summat sent to litigation and collections and demanded money for me that I don't have even though they told her something completely different and continue to lie to us and you anything in their power to get the money from us that we don't have even know we keep calling them trying to work with them they just keep telling us lie after lie and scamming us We want the harassing phone calls to stop and allies to stop we are trying to figure out a way to make everything work we have asked them to work with us they refuse to buy wish these loans could just be released They have done so many wrongful things including discrimination lying harassment, Basically their lies are just trying to scare us into making payments I understand that we owe money but like I said no one has it and we've been trying to work with them and set up a plan until the XXXX has been approved by the State of New York and they don't seem to care they just keep telling us lies to scare us into whatever they see fit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XX/XX/2013 {$0.00} paid out. It close account it still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: WELLS FARGO & COMPANY
State: MS
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:
Some one open up a credit card in my name in, the creditor is XXXX XXXX  XXXX XXXX Fist report open XX/XX/2019

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