BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-19
Company: EQUIFAX, INC.
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:
I have submitted requests for these collections to come off my accounts because they are not mine and additionally, according to their secretary of state website, are not licensed and bonded to collect these debts XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation fraudulent XXXX XXXX  XXXX account on my Equifax credit report. FTC ID Theft Report # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: FL
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:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: FL
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:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 2021-02-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XX/XX/2019 - This inquiry does not belong to 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 2020-08-22
Company: FCI Lender Services Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX was my alleged servicer to receive payments on my mortgage. I was in foreclosure and Bankruptcy when XXXX became my servicer and was assigned to XXXX XXXX as my Bankruptcy Account Manager. I asked XXXX on a recorded line who owned my Note and he replied we " don`t know ''. XXXX XXXX XXXX filed a false Assignment of Mortgage in the land records and charged my mortgage account monthly payments late fees, inspection fees and paid attorney fees all to collect payments through fraud for a party they can`t identify. How can a mortgage servicer charge any fees for a party they cant identify

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 2018-06-24
Company: Auto Credit of Southern Ilinois
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My payment was no more than {$200.00} bi weekly ... Less than 24 hours after I got my one week check from XXXX 's ( I put in notice that I got a better wage offer and all overtime I was willing to work ) so they cut my hours, while i was changing clothes for second job they remotely disabled the car. I explained my situation and they kept asking if I could just pay it over the phone ... " You XXXX gave me the loan with a pay stub, not a checking account or cc for collateral '' now im running late for work, I tell them to come get the car I'm not dealing with the hassle ... They apologize change my due date, then less than a month later " XXXX '' XXXX in XXXX, il closes down with no notice ... Just a sorry note on the door all wages unpaid around XXXX before tax I should have grossed so when the car was shut off I called and said I just lost my job and got ripped off XXXX by owner that if it doesn't start I'm leaving keys in it I'm done with them ... A week after that I was XXXX for 3 weeks ... Meanwhile they kept charging me like they were letting me drive it ... They disabled it a about a week before my XXXX stay of 3 weeks .... Let 's say they did let me drive it the whole time, how is the balance so high??? XXXX $ what was I charged for??? They took it while I was in XXXX and continued to bill ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: Harpeth Financial Services, LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The interest this company charges is 10 times more than a normal loan is this legit? I cant afford to pay it. I borrowed XXXX and owe XXXX I have made payments and I still owe XXXX. I need the interest to stop so I can pay what I borrowed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: Bankers Auto Acceptance
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
COVID-19 FEDERAL HARDSHIP EXEMPTIONS/ TRUMP FRESH START DEBT CONSOLIDATION/ NEWEST PANDEMIC ACT : ( CARES ), ( PPP ), ( PUA ), ( FPUC ), ( PAC ). 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - EXPEDITED GOOD FAITH DISPUTE LETTER TO : TIME FINANCE COMPANY SETTLEMENT IN BEST INTEREST TO : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - STOLEN AUTO & THEFT INCIDENT TIME FINANCE acted in bad-faith. 
XXXX XXXX Proof of Full-Coverage Claim filed timely with insurance. 
Claim wrongfully rejected. 
Report filed by Sheriff Dept. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - TOTAL-LOSS TOTAL-PAY-OFF : Tax 1099C Cancelled Debt {$11000.00} Auto Loan Balance. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - VEHICLE INFORMATION Policy # : XXXX Claims # : XXXX Loan # : XXXX Auto : XXXX XXXX XXXX XXXX. Plate # : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - CODE OF ETHICS/ SUFFICE CASE-LAW SETTLEMENT BEST INTEREST TO : XXXX XXXX XXXX XXXX, CIVIL REMEDY, CIVIL DEFENSE 663. TORT ACTIONS AND CONTRACT LAWS 663-15.5 RELEASE GOOD FAITH SETTLEMENT ( 1 ) SPECIAL PROCEEDINGS ( 2 ) REDUCE OR DISMISSAL amount paid or whichever is greater ( 3 ) DISCHARGE DEMAND to party to whom it is given liability https : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- BREACH OF CONTRACT/ SUFFICE CASE-LAW SETTLEMENT BEST INTEREST TO : XXXX XXXX AUTO LIEN SALE , AUCTION, CANCEL DEBT OPTION REFUND CREDIT- amount of unearned portion of finance charge SECT. XXXX extended, deferred, or refinanced, as. 
REFUND CREDIT- credit in cash or credit buyer obligated contract. 
1 : ( A ) CASH PRICE debt cancellation agreement option.

( D ) FOR THEFT DETERRENT SECT. XXXX BUYER CREDITED against the evidence by contract SECT. 5604 VEHICLE CODE Full-Coverage for Loss or Damages. XXXX : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - BYLAW XXXX MUST ACCEPT TOTAL AMOUNT POLICY LIMIT PAY-OFF DEMAND. 
( Johnson v. California State Auto Assn. ( 1975 ) 15 Cal.3d 9 ). 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - BYLAW XXXX FULLY-LIABLE TOTAL AMOUNT POLICY LIMIT PAY-OFF DEMAND. 
( Miller v. Elite Ins. Co. ( 1980 ) 100 Cal.App.3d 739, 756 ). 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - BANKRUPTCY CODE SECTION : 7, 11, 12, 13. 
https : //www.courts.ca.gov/1067.htm? rdeLocaleAttr=en -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - DISPUTE CODE SECTION : 609, 611, 613.

www.courts.ca.gov/documents/adrreport.p
df -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - PRIVACY LAWS : ( FCRA ), ( CCPA ), ( CPPA ). 
www.courts.ca.gov/documents/SP11-15.pdf RESPECTIVELY.

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 2020-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Portfolio recovery association has called me none stop since the covid 19 pandemic and even yelled and screamed at me stating that they are going to sue me and involve law enforcement if I do not pay a debt that I keep explaining to them that I do not owe. 
They do not have proof of me opening this account. 
they refuse to validate this account because they themselves know that they can not confirm I am the owner of this debt. 
they are even reporting two huge amounts of credit card debt in the amounts of XXXX and XXXX dollars. I called them numerous of times and explained to them that this not an account that I have opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Nelnet has engaged in questionable practices over the many years it has serviced my student loan to include ignoring the soldiers and sailors civil relief act by failing to lower the interest rate on my federal student loan below 6 %, applying overages in payments to future payments instead of principal, and also lying to the federal government and the CFBP about the true terms of my loan in order to disguise its predatory practices. When I got engaged with Nelnet I was XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I m having a problem with Equifax I can't see my credit score from them through privacy guard second I try to reach out through them but I can't get through when someone finally answer they can't speak English I would like to know what are they hiding in my report that I can't lay my eyes on. please have them respond to my complaint so that I can resolve what ever problem on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: MO
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with COMENITY BANK/BOSTONST. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and COMENITY BANK/BOSTONST with no successful resolution. XXXX  and XXXX  reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2018 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: ENCORE CAPITAL GROUP 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 DISPUTED SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT WAS OPEN FRAUDENTLY WITH THE 3 CREDIT BUREAUS XXXX, XXXX   AND XXXX. I HAVE ALSO FILED AN FTC REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
After being hospitalized for XXXX XXXXXXXX in XX/XX/2020, I had missed a payment on my Capital One Credit Card. After making a call to customer service and a Goodwill letter to the CEO letting them know the issue after being discharged I was made clear that the last payment wouldnt not be added to the account. Upon further research of my credit, it shows on all 3 Credit bureaus the XX/XX/2020 missed payment. Section 4021 of the CARES Act temporarily amends a section of the FCRA, It states in the CARES Act one shouldn't be penalized if they asked for the relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: CITIBANK, N.A.
State: NC
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:
Phone number XXXX has called me numerous times with threats of suing for a 10  year old " zombie debt '' with Citibank. Citibank discharged the debt long ago and it has moved from one collection agency to another. The statute of limitations for state of Virginia and where the debt was originated has long run out. I have received nothing by USPS or otherwise i.e.. no documentation but only threatening phone calls. This phone number has other known complaints against it from other individuals claiming a false attempt to collect a debt that is very old or was never a debt to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Credit Protection Association, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date XX/XX/2018 XXXX Recieved another phone call requesting that a person, I do not know, call back for a debit collection action. Person looked for is " XXXX XXXX '' I called back the number. And informed them of the improper name, etc. & when I told the representative I was forwarding complaint to you he basically blew me off, told me to do whatever. 

This is the 4th or 5th time that I have called & tried to be reasonable with the company. To no avail. 

Please stop the calls to my home XXXX XXXX XXXX Home

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 2021-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 and had two inquiries I did not make or approve and I received two phone calls from XXXX XXXX in XXXX, NC. on XX/XX/2021. The credit reports were from XXXX XXXX, XXXX XXXX Bank, XXXX bank of Delaware on XX/XX/2021. Im going to contact the company and report these fruadulent inquries.

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 2018-06-24
Company: Experian Information Solutions Inc.
State: NV
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: Problem with personal statement of dispute

Complaint:
I was treated at XXXX XXXX Hospital in XXXX of 2017. I was sent a bill of {$990.00} and then later for {$1000.00}. I was told in the hospital a bill of {$500.00} would be mailed to me. Different bill amounts sent to me had me send a letter to XXXX XXXX Hospital ( which I will attach ) asking if they could verify the debit amount due and a summary of why I owed what I owed. I never received any letter or in-dept bill, but now a collection letter with a new amount of {$290.00} ( XXXX XXXX ). I disputed this with Experian and they are saying this debt is correct but now with a new amount of {$280.00}. I have asked from the original collector to just verify my amount and I would have paid what was due, but instead have received all different amounts with nothing showing me what these amounts are for and why they are all different. Original collector should have communicated with me from the start and this should have NEVER gone to collections and now my Credit Report that I have worked really hard to maintain. I even asked the collector to verify these charges as well and no response, just straight to Credit reporting. I would appreciate any help with this matter because this should not have gone to collector and then to credit reporting and avoiding my letters. I can upload letters, and bills with different amounts

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 2018-06-21
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For 10 yrs I have been paying weekly mortgage pymts : the amount due plus extra principle ( see numbers below ). 

My pymt : $ XXXX/week x 52 weeks/yr = $ XXXX/yr / 12 months = {$970.00} per month. 

Amount due : $ XXXX/month I recd a call from Huntington Bank XXXX ( Spoke to XXXX XXXX ) stating that " as of XX/XX/2018 Huntington no longer accepts partial payments '' and that my account was over due $ XXXX {$25.00} late fee and that my weekly pymts were not being applied but being held in a " suspension '' account posting once per month. I believe this is unethical ( lazy ) behavior and that weekly pymts are protected by the consumer protection laws. By not applying the weekly payments the bank is : 1 ) Holding consumer money for their own benefit.

2 ) Causing financial harm to the mortgage holder because the principal is paid down slower and adding more days of paid interest ( i.e. more revenue to the bank ). 

The banks should be posting the weekly payments " as received '' to allow for responsible home owners to pay down their mortgage faster with less interest expense. 
The representative also said she would re-send the letter that was mailed in XX/XX/2018. I open all my mail and have no letter, email or message on Huntington website login. I'm fairly confident that no communication was ever sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-14
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Home Point Financial has failed to credit my principal and interest payment for XX/XX/XXXX and XX/XX/2018 for my home mortgage. The payment was made in full and they have returned it. They indicated that it did not include a portion for escrow payment. However, they have previously recognized that the escrow payment requirement is specifically excluded in my loan closing documents. They still are refusing payment without it and have failed to respond to written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: M&T BANK CORPORATION
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX we had tried to sell our house on our own but it was not worth what we owed. We have a first mortgage through M & T Bank and a XXXX with XXXX. SO we hired an agent and began trying to short sale our home. M & T said we were not past due so they could n't help us until we were. They made us go through a long XXXX month process to try and do a loan modification prior to allowing us to short sale. We needed to relocate due to how far our work is so we did not want a loan modification, we wanted to sell and relocate. So after about XXXX months it got to the next stage of moving to Short Sale. They APPROVED it to go to short sale. After doing everything they advised they finally APPROVED the short sale in XXXX. So we have been negotiating with the XXXX mortgage to move to close. It is now XX/XX/XXXX XXXX XXXX year later XXXX and the negotiator on the file, XXXX, tells us that he reviewed the numbers and they are getting paid off so we DO NOT qualify for a short sale. After 1 year of ruining our credit and doing what they advise and them APPROVING us for short sale etc.. XX/XX/XXXX they advised us we do n't qualify now and they send us a letter stating if we do n't respond by XX/XX/XXXX they will move to foreclose. So they tell us XX/XX/XXXX & only give us a few days to respond and we just got the letter XX/XX/XXXX. So we have XXXX day to respond or they foreclose. After all the XXXX they put us through and they dropped the ball. We could have been negotiating with the XXXX mortgage only and not ruined our credit if they had done their job. How did they not realize this when we started? before we went past due, before doing the loan modification and getting approved for a short sale. They have totally wasted our time and now they move to foreclose? This is horrible business practice!

Company response to consumer: Closed with monetary relief