BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-15
Company: Spring Equity LLC
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, my wife and I closed on a HELOC offered through Spring EQ. While there were a few service hiccups during the course of closing and booking the line, the substance of my complaint relate to my understanding of terms and conditions, as well as process, related to that booking, and an outcome with the servicer that now leaves me feeling deceived. 

Spring EQ required that I advance 75 % of the line in order to book it and establishing servicing. I was told that, in order to avoid unwanted interest, I would be able to pay off the amount advanced within several days of the line being booked. However, this proved impossible as Spring EQ was not able to take payment for a loan they had transferred servicing on, and I did not know who my new servicer was or receive a communication from them until XX/XX/XXXX, at which point I received a letter that had been date XX/XX/XXXX. 

Since setting up servicing with XXXX XXXX XXXX  ( XXXX  ), I have learned : -My line was sent to XXXX  in a frozen status and I will not be able to access it for 90 days. This was not disclosed to me verbally during the application, booking, or closing process. 
-I only learned my line had been booked in a frozen status AFTER it was reported ( inaccurately XXXX as closed to the CRAs. In calling to follow up on that TODAY XXXX XX/XX/XXXX XXXX, I learned the line was frozen. 
-I am not able to easily pay off the advanced balance as advertised as XXXX  has no mechanism for accepting payments over the phone or online greater than {$25000.00}. My available options are to pay a portion each day until the balance is brought to zero, or to send a wire ( would incur cost on my part ) or to send mail ( would add time to the amount that my line is open, thus resulting in additional interest ). This was not the straightforward and easily executed process I was told would be available to help avoid paying unwanted interest. 

All in all, I feel strongly that a failure to be transparent on the part of Spring EQ, as well as a failure to ensure they transfer servicing to a third party who can be relied on to deliver on their commitments, has left me paying more in interest than I in principal agreed to, with incorrectly reported information on my credit bureau, and that has required a substantial investment of follow up time on my part to get basic information about the status and servicing of my equity line.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-12
Company: Experian Information Solutions Inc.
State: MN
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:
A revolving credit account held by XXXX financial is showing up on my credit report by experian. XXXX was saying that I was a co-signer on this account, however I never agreed to be a co-signer and I never signed any documents agreeing to be a cosigner. I did not, in fact, co-sign anything. The bank, XXXX, has agreed that they do not have my signature on anything related to this account, and have removed me from the account. Experian, however, is keeping the account and the history of it ( with a late payment from the person who owns the account ) on my credit score. 
I opened a dispute in XX/XX/2022 with Experian regarding this account and sent in documentation regarding the fact that I never signed to be a co-signer and the bank does NOT have my signature for this account and the bank is fabricating any notion that this account has or had anything to do with me. With no proof what-so-ever that I ever co-signed for this account, however, experian came back from the dispute stating that the bank confirmed that it was my account and left it on my credit report.

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 2021-11-14
Company: CCS Financial Services, Inc.
State: VA
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:
On XX/XX/2021 credit XXXX collection ( XXXX ) was removed from XXXX and has now been placed back on my account. Ive disputed the account explaining the account was not mines and was not in my name. Ive reached out to XXXX, credit Coll collection , and the credit bureaus to have information removed/corrected. However the collection account is still reporting negatively. Credit Coll is also reporting negatively on XXXX as this account is not mines it should be deleted from report. XXXX was removed from XXXX XX/XX/2021. The account is not in my name and doesnt belongs to me. Also l will like to file complaint against XXXX XXXX /XXXX XXXX for reporting differently on different account and reporting inaccurate information. ( LATE PAYMENTS ) XXXX XXXX is reporting positively with 100 % on time payment on equifax but reporting negative on XXXX and XXXX. Contacted them to have information corrected, and to report positively on XXXX and XXXX as well, account is still reporting negatively on 2 accounts ( XXXX and XXXX ) and positive on XXXX. The account needs to reflect positively payment reports to all 3 bureaus. I will like to file complaint with XXXXXXXX  XXXX account was paid /closed and on time, they are reporting incorrect information and also reporting differently as far as late on each credit report. Please have these late reportings deleted its paid/closed and reporting incorrectly. Ive been getting denied for home-buying due to this negative information reporting on my report, Im a single mother with XXXX kids. My home is molded Ive been trying to move and this has been causing me to be denied please assist.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax refuse to provide proof of a company having factual information to pull my credit. i reached out to the company and they sent me a letter to have it removed but equifax refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
the credit report is showing the credit card debt ( XXXX XXXX ) but is also showing that it was sold to a collection agency they are both in the credit report, i did not received any notification from the collection agency, also it shows that owned money to both agency when i only own money to the credit card company i been disputing for this to be removed but the credit company stated that is accurate, but is not. 
actual credit own to XXXX XXXXXXXX XXXX $ XX/XX/XXXX credit collection ( XXXX   XXXX ) shows XXXX $ opened XX/XX/XXXX they are both the same account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About XX/XX/XXXX, I was informed on a credit report that I had an outstanding debt from XXXX Cable Company for {$180.00}. The information about my name, address, and last digits of my social security number were incorrect. Around this time, I had been a victim of identity theft. I completed a police report, which named the debt collections company, Stellar Recovery, on XX/XX/XXXX. The police investigation dated XX/XX/XXXX, ended with no results. 

I wrote XXXX  about the discrepancy on my report The reporting Bureau since placed this account in " dispute. '' They also placed my name, address, and last digits of my soc. sec. number in " dispute. '' Despite the fact that XXXX eventually reported the account is " deleted '' from my report on XX/XX/XXXX, I continue to be contacted by collection agencies. I sent a letter to all the credit bureaus -- XXXX, XXXX, and XXXX -- dated XX/XX/XXXX to reinvestigate the disputed debt or delete it completely according to the provisions of the Fair Credit Reporting Act. 
I am currently still trying to resolve this matter, which impacts my credit for {$180.00}.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-29
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted a term-based application request to NelNet through my online account on XX/XX/2023. I received an email stating this application was confirmed, and my payments would change from {$230.00} per month to {$120.00} per month. This email stated my payments would update in XXXX days, and they would let me know when my payment plan would be changed. I had not recieved a response in 30 days, so I resubmitted for this same term-based plan on XX/XX/2023. After still not getting a response, I sent an email on XXXX, XX/XX/2023. In this email, I let them know that I had applied twice for the term-based repayment plan, and my payments have not updated, and my payment date is coming due at the end of XXXX. I recieved a response on Tuesday, XX/XX/2023 from XXXX XXXX stating that they could not help me via email, and that I needed to call and speak with an advisor. I called on Tuesday XX/XX/2023 right after I recieved this email, and was on hold for XXXX hours with no answer. I called again on Wednesday XX/XX/2023, and was on hold again for XXXX hours with no answer. It is impossible to get help from this company or to speak to a representative. They say they can not help you via email, but then do not answer their phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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:
hello I XXXX XXXX is not a third party is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over XXXX and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me XX/XX/XXXX XX/XX/XXXX because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-11-26
Company: Continental Services Group, Inc. d/b/a ConServe
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CEASE AND DESIST COLLECTING ON XXXX XXXX AND XXXX XXXX XXXX ACCOUNTS DEALING WITH THE ORINAL CREDITOR. 
ALSO, CEASE COMMUNICATIONS YOU ARE VIOLATING THE DODD-GRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
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: Information belongs to someone else

Complaint:
Someone has been using my information to obtain loans and other forms of credit. Despite the fact that I have reported this activity to the credit bureaus, more accounts are appearing on my credit. Recently I received an alert of yet another account ( XXXX XXXX XXXX ) that appeared on my credit. I would for the credit bureaus to investigate and remove the errors from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed one credit card transaction two times with Chase. Chase considered that transaction valid. I feel that it should be not right, as I've never got service from that agent//merchant to whom I paid. In addition this service was paid by two credit cards, one was Chase, second one was XXXX XXXX XXXX XXXX XXXX XXXX considered that transaction as a not valid. The transaction was made at Chase XXXX with XXXX XXXX  XXXX, I but fly tickets via the phone, I paid {$610.00}. When I came to airport next day, I was told by airline workers that my tickets were canceled and money were issued to refund to the agent. I contacted the agent, he told me that they will refund my money back, and they never did. The agent stopped answering my text massages, and when I call they don't answer or he says that they need to check it out and never call back. When I disputed transaction second time I attached evidences as copy of text massages with the agent and screen shot from airlines website which prove that I have never got service, that money was refunded to the agent, and that the agent promised me to return my money and never did. Chase made there decision based on contacting merchant and that transaction is valid because service was available for me or I received service. When I called Chase after that, they told me that they made there decision because the agent provided them the policy that money for service is not refundable. I got fist letter from Chase on XX/XX/XXXX, second letter on XX/XX/XXXX. Please, contact me if you need more information, I have letters from the bank and I have evidences that I have never got service from that merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I called Bank of America inquiring about money owed to me. There was a balance overpaid on my credit card. Due to the archaic accounting system implemented by Bank of America. 

Because of this system I called in to close my credit card, probably about two weeks prior to XX/XX/XXXX, the exact date, I am unsure. The customer service representative stated that I was owed XXXX cents. 

When I called back on XX/XX/XXXX I was told I was only owed XXXX dollars. In which I have not received either of them. I have requested that Bank of America review my calls and tell me what is going on. Yesterday I received a check for {$56.00} which is nowhere close to the amount that is owed to me. 

I am not sure what is going on with Bank of America and it seems as though the overseas outsourced customer service representatives have no idea how to help me nor give me the correct information. 

I am formally requesting that Bank of America disclose the following to me along with the correct payments. 
1. Refund amount of my XXXX  XXXX XXXX XXXX annual fee.

2. The over payment amount that was made to the business card.

Please send these two checks to me along with a letter stating what they are for. Receiving random checks in the mail from Bank of America does not explain anything. Any other previous checks have not been cashed and can be cancelled so that the correct amounts are disclosed and issued to me. 

Bank of America has removed my XXXX  XXXX XXXX XXXX from my online account so I am unable to verify amounts or statements.

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 monetary relief
Consumer complaint received 2020-01-23
Company: Northwood Asset Management Group
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is the log that I started yesterday after my first contact with this company. 

XXXX on XX/XX/20 My call to XXXX ( Northwood Asset Management ) I called and spoke with Mr. XXXX XXXX response to two missed calls from him on my work line the previous day ( XX/XX/20 ) when I was not in. He had left a voice message telling me to call him regarding a specific claim number. I told him that I can not receive these types of calls at work and asked what he was calling about. He said it was regarding a loan that was taken out in my name last year. He then said that I needed to pay {$3000.00} to get the claim cleared. I told him I didnt have that kind of money and asked him to send me something in writing about this. I have not received any written communication about this. Mr. XXXX refused to send me anything in writing and said that he could email me something. He threatened to call the payroll dept. at my job and take 20 % of my income until the amount is settled and seemed to be rushing to do this. I asked what other options I had because this did not seem right, then I again asked for something in writing explaining this issue. Right in the middle of my sentence, he accused me of a stall tactic and abruptly hung up on me. That was very rude and unprofessional. Totally uncalled for as I had not raised my voice, called him any names or acted rudely in any way. If anybody was trying a stall tactic, it was him. Hes trying to rush to collect on something that this shady excuse for a company hasnt verified in writing and gets mad and hangs up on me for simply asserting my rights. 

XXXX on XX/XX/20 Call from XXXX This call was received after I repeatedly told Mr. XXXX that I could not receive these types of calls at work and told him not to call me at work anymore. He called to tell me that this was his final call and that due to the lack of contact on my end, they were forced to write me off as a direct refusal for voluntary cooperation. This was after I called and spoke with him that same morning and attempted to get further information on this claim in writing and tried to discuss options to get this cleared. This was after Mr. XXXX hung up on me as I pleaded with him for a workable solution. To say that I refused voluntary cooperation is a completely deceptive and blatant lie. 

XX/XX/20 At XXXX, I filed an online complaint with the XXXX. 
At XXXX, I received another call at work from XXXX after a message was left by Mr. XXXX on my work line yesterday telling me that was his final call. There was no message left from todays call. A blank message was also received on my cell phone shortly before this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: SN SERVICING CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In regards to my loan that has recently been transferred to SN Servicing Corporation. 

Further, we are requesting and have not received a QWR. There are also irregularities in the modification for {$220000.00} forgiveness amount. Please see modification attached. 

Account number : XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation