BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-11
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have a bunch of inquiries I've never authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX 3. XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 6. XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX 9. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX All of these are on XXXX, Equifax, and XXXX and I didn't authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ability Recovery Services continuously keeps reporting derogatory collection accounts as new accounts to the credit bureaus. I have had these accounts disputed and deleted, but ARS continues to attach this debt to my credit report as if it is a new account. I have no idea what these accounts are. I have requested original documentation showing the dates and the representative is very rude and hangs up on me. These accounts do not belong to me and I want them deleted once and for all.

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 2021-02-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I would like my Mortgage Services SPS to consider giving me extension another 180 Days of forbearance. I am financially not recovered as Direct impact of XXXX. 
I received a letter from SPS That I shall resume my payment starting XX/XX/2021. 
The balloon payment is due XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity to get a car loan with XXXX XXXX XXXX for XXXX XXXX dollars and it has now been passed down to Jefferson Capital sy for collection. When i have informed them the account is fraudulent and i did not authorize the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Ameritech Financial
State: MI
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:
Started XX/XX/XXXX to XXXX XXXX Tried to get my loan reduced or removed. This company said they could help! I gave all my information ; was under the impression that my loan would be would be reduced and at a certain point, it would be written off, if it wasn't paid off ; in so many words! To get started I would pay a {$99.00} application fee, and then they calculated a payment of {$200.00} for 6 months which ended up being 9months! At that time payments, were switched to a lesser amount {$99.00} till paid off!! I have made 24 payments, lots of money, my loan has not gone down! It was time for paperwork renewal, they called and emailed, three times and when I questioned them about the {$99.00} a month, I was told it was fees, and it was part of things discussed in the paperwork! He said I should read it again! And would not give me a direct answer, to where my money was going! A week later I received a letter, stating this company is being investigated by the Federal Trade Commission! 

I will be calling them to cancel account and ask for a refund!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
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:
On XX/XX/2017 Portfolio Recovery added a derogatory remark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for this account. Debtors/creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and say that it is mine. According to FCRA, Portfolio Recovery has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In the Month of XX/XX/XXXX I had been struggling to make my payment on my AMEX CARD due to extreme interests rate & loss of job! my minimum payment was more than 75 % of my monthly income & I could not catch up due to loss of job & other obligatory bills. I reached out to the company to get the late payment off but they were not able to help me, I've never missed a payment in over 2 years, I just happened to have that struggle now due to loss of job & extreme Interests Rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Chrysalis Holdings LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/21 at approximately XXXX XXXX. I called New Day mortgage. Their agent XXXX XXXX answered the phone, he asked a few questions, told him I was looking for mortgage at 2 %. Did not finish for what yet! He asked for my & my wife 's social security # s. He then said I'll be back! After a few minutes he came back on the line, I asked him what he DID! Then asked if he did a credit check! Was I it soft or hard! His answer was hard! I Did NOT Authorize IT. I then asked him to spell his first & last names and his license #! He then told me we can '' t do bussiness! And hung up!

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 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 this card several times. This card is from XXXX and was closed XX/XX/XXXX. I paid the account after it was closed but XXXX is stating that there is still a balance of {$770.00}. I requested the transaction history for all activity since the account was closed and was told that they didnt have that available. They did read a disclaimer that they are no longer attempting to collect the debt because statue of limitations have passed but they are still reporting to the credit bureau even though it should be removed.

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 2021-11-01
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 I brought a water tank from XXXX for {$570.00} when the hot water tank was delivered I had to wait till a plumber could come and install it on XX/XX/2021 the plumber whom came to install it informed my the the gas gage on the from was shot that I needed to contact XXXX XXXX via the number on the tank to request a replacement. I reached out to several time to find out how to return the thing. My I even contacted my local store on XX/XX/2021 they informed me that a hot water tank from online couldn't be returned to the store. I requested a refund with my bank because I explored every avenue, including buying a new tank that has been successfully installed. I put in the request for a refund and Chime declined the request! This is a theft of funds the tank that was defective and I made every good faith effort to return the item I have the item and will return it with direction on how to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Experian Information Solutions 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:
XXXX XXXX XXXX  was found to be opened by someone else do to the XXXX  data breach it was deleted from my XXXX credit report because it was fraudulently opened

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 2021-02-02
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech Financial claims unpaid payments in a statement recieved XX/XX/XXXX states payment due for : Regular monthly payments is XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX on the same statement XX/XX/XXXX says fully paid claimed an amount due of XXXX Then Jumping to a statement on XX/XX/XXXX payments claim due for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX on the same statement XX/XX/XXXX fully paid Total amount due XXXX The payments processing coordination has caused the amount due to grow by claiming some payments were sent to the wrong Di Tech location and missed completely. 
I am a XXXX  widow of a XXXX XXXX XXXX police officer that XXXX  in the line of duty with a pension my income is fixed and stable I can't believe i can lose my husbands home if this continues like this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: IN
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:
equifax, afraid my information was STOLEN and i ', m afraid to even use there site as i do n't feel secure it is safe to do so i think they should be made to help people affected and then GO TO JAIL!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed the collection being reported by SW Credit Systems because I have no contract with the company. They responded to the credit bureaus that I did have a contract because XXXX contracted them, however, I had no contract with XXXX either. I have no contractual agreement with EITHER company that would permit SW Credit Systems to report an account as a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I obtained a mortgage from XXXX XXXX in XXXX of XXXX. My loan was sold to PHH Mortgage in XXXX of XXXX to begin servicing XX/XX/XXXX. I have always made my payments online every month with XXXX XXXX without being charged any " convenience fees '', however, PHH is charging me a {$7.00} " processing '' fee to make my payment online or over the phone. The only way to avoid this fee is to 1 ) mail them a check or 2 ) set up auto debit ( ACH ) from my bank account ( which is exactly the same thing as paying online because my bank routing and account numbers are used for both so it makes no sense ). Basically, they bullied me into setting up my payments on Auto Draft, which I am not comfortable doing because : 1 ) I am straight commission and like to budget and pay as commissions are paid 2 ) I am afraid the draft might not pull due to computer glitch and 3 ) I don't want to pay {$50.00} for an overdraft fee to the mortgage company or my bank if my commissions are paid a few days later than the auto draft. I should have the right to pay my mortgage payment the way I choose without being charged. I called PHH on XX/XX/XXXX to complain. I told them that it was not my choice for my loan to be sold to them and I should not have to " pay '' to " pay '' my mortgage payment on my due date. They told me that the payments go through " XXXX XXXX '', who charges them. I expressed to them that they chose to partner with XXXX  and they should absorb the costs because a mortgage servicer 's responsibility is for the day to day management of my mortgage, which includes the collecting and crediting of my monthly loan payments. That's how they make their money. They shouldn't contract with XXXX XXXX if it dips into their profits. Also, I am concerned because the terms and conditions of my loan should not change and they did with this fee. My old lender did not charge a convenience fee to pay and since it was never disclosed in my original loan papers, they should not be able to do it. Furthermore, in my opinion, these " convenience '' fees are the same as " finance charges '' which changes my Truth in Lending APR. I feel like this is a direct violation of my mortgage agreement. I didn't choose to have my loan sold to PHH so it's only fair that I should not incur any extra fees. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
BACKGROUND : On XX/XX/XXXX, I received an XXXX XXXX as prescribed by my private physician. This XXXX was in conjunction with the course of treatment prescribed by my Workers ' Compensation ( WC ) treating physician. Initially, the merging of this XXXX into the comp system was denied, however, upon appeal it was accepted as an industrial-based injury. Subsequently, disposition of billing was passed to WC ( XXXX ) for payment. Over the last four years, XXXX XXXX has ignored correspondence between my attorney, XXXX XXXX XXXX, XXXX, who repeatedly advised them to cease and desist as per California Labor Codes 4600 and 3751 ( see attached ) and recommended actions to apply for relief. CURRENT : Most recently, however, despite the final balance of {$250.00} being PAID, American Capital Enterprises , Inc. maliciously reported this payment as a serious derogatory on  XXXX. This malicious report resulted in a significant FICO score loss from XXXX to XXXX, a XXXX point value reduction as per XXXX Credit Bureau ( see attached page ). XXXX XXXX and XXXX have not reported same and do not currently reflect similar damages. I further assert that the CFPB should investigate this case and render immediate relief to my " good-excellent '' credit rating and exercise all punitive options against America Capital Enterprises , Inc.

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 explanation
Consumer complaint received 2021-09-23
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They tricked me saying I was paying my dues for almost a year but actually I was paying only the interest so now they add me more than 50 % interest in my old loan {$7000.00} original loans {$4500.00} my paying {$10000.00} my actually loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: The Bureaus, Inc.
State: WA
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:
THE BUREAUS add a collection on my credit reports. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service. 
Since you are still reporting this account on my credit report, you are now in violation of the FCPDA.I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Closed my account recently. I owed {$25.00} for early closure fee and was not told about that from beginning. PNC seemed like nice online bank from start, till I noticed closure fee. I was trying them out. Thought it as no big deal to just close my account. 

Staff at XXXX branch were friendly and helpful as was manager. Just don't like that the bank has to be closed during pandemic as my current bank has their lobby open even though there's a window between customers and staff. A lot of these types of banks like PNC can improve by removing fees for closure, offer free ATM reimbursement. That would make it a better choice bank. I get free ATM reimbursements with my current bank ; ), thus a better choice bank and staff knows me well. Never had any closure fees. Staff at my current bank go the extra mile for consumers.

Company response to consumer: Closed with explanation