BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-21
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After numerous issues over 60 days with Selene Finance, they sent me a payoff quote, which I paid. I had no choice. After requesting payment history for same 60 days, which Selene refused to provide, CFPB got me the payment history. As Selene had already given me the payoff quote, they had no choice but to match numbers to this quote. 

I have used every possible combination of calculating interest for XXXX and XX/XX/2021 at the fixed rate and no matter what I tried, I absolutely can not possibly come to what they have charged in interest. Selene Finance has clearly OVER charged interest. I would like a complete and detailed interest calculation for XXXX and XXXX, and a small balance for the 1st few days in XXXX of the interest calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I don't know why I owe this company money or who they are. I am not sure how much I owe them but they have sued me. They have taken my state income taxes, my husband 's state income taxes and are about to take my paychecks as well. I am very scared, my husband hates me now, I might be fired from my job. I am terribly embarrassed and no one at this company will even speak to me. I have never had an account with this company and have no idea how I owe them money. HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: SLM CORPORATION
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took out my XXXX XXXX loan in order to go to college. I was told when I signed up that I would get the best customer service. However, ever since I have graduated in XX/XX/XXXX, I have had nothing but trouble from them. They immediately came after me for {$550.00} a month. I was able to get my account placed on a Graduate  payment plan, but once it ended, I still was struggling to make payments as a recent graduate. When I contacted them, in XX/XX/XXXX and requested assistance in the form of refinancing due to an increase in my credit score, they refused and instead they placed me on an interest only repayment plan for {$300.00} a month, despite the fact that my cosigner had amazing credit. After that, they would make disrespectful, harassing and occasionally threatening calls to myself and my cosigner, who was in the hospital during one of  these calls. While I understand that they are a business, these calls came when I was only two days late in payment, and when I had already called XXXX XXXX and informed them that I was waiting on a paycheck and then they would get their money. At one point, the person I spoke with talked down to me and told me that until I " learned to pay on time, I would continue getting the calls. '' Again, this would occur when I was only two to five days behind in payment on a {$300.00} dollar payment as a recent graduate. I have never been more than 28 days past due, and every time I have been past due has been due to some reason I can't control and that XXXX XXXX refuses to work with me on. Now, after a year of these " interest only payments '', my repayment plan is almost up and at the beginning of this year, my balance went up {$8000.00} and they expect me to begin paying them {$550.00} a month come XX/XX/XXXXXXXX. Every time I request some form of help due to being unable to handle the bill and support myself, they refused. I have no issues paying my bills, I am an accountant and I know bills must be paid. However, there is absolutely no reason that XXXX XXXX should be this inconsiderate and all together disrespectful towards their clients.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. 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 2019-05-29
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/XXXX until XX/XX/XXXX I was applying for social security XXXX which denied and I am XXXX  with no source of income. I can not afford to pay XXXX XXXX # XXXX balance of {$4800.00} as of XX/XX/XXXX. I received a Notice And Summons. 

Attorney : XXXX XXXX XXXX , XXXX ( GA ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Plaintiff : Cavalry SPV 1, LLC, as assigner of XXXX , XXXX . 
Case Number XXXX Date Filed : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My credit report with Experian is frozen. On XX/XX/XXXX at approximately XXXX PM, I requested on line that my credit report freeze be lifted temporarily. The only option offered on the website was for 24 hours, although I only required a one hour credit lift. At XXXX PM today, I called phone number XXXX to verify that the freeze had been reinstated. I told the lady who answered my call that I had asked yesterday that the credit freeze be lifted temporarily, that I understood it was for 24 hours, and that I was calling to verify that my credit report had again been placed in a freeze status. The female ( voice sounded like a young person ) then asked for me to give her my social security number, full name, and date of birth. I obliged as I was under the assumption that she was about to check the status of my credit freeze. Instead, she tells me that she is not authorized to do so and must transfer me to someone else in another department. I 'm stunned ... ..I have just given my personal information to someone, who for all I know is a temp telephone operator or who knows what, who has my personal information and is apparently has no authority at the credit bureau. I might expect this at XXXX or XXXX but not a major Credit Reporting Bureau. Because of the nature of their work, these people should realize just how important this information is to customers such as myself. 
On another note, I do n't understand why these folks do n't offer the option of a one hour temporary lift of the credit freeze. It turns out this particular lift will remain in effect until XXXX PM the next day as the consumer has no shorter duration option ... ..way too long!

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 2020-06-30
Company: Experian Information Solutions Inc.
State: AL
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: Other problem getting your report or credit score

Complaint:
I have a identity theft, and/or fraud problem. Some of my credit cards have been replaced, and score is tanking, and credit limits being reduced, and cards i did not apply for arriving, or decline letters. In an effort to see what is happening in credit file, upon advice from my banker, I can get no human on the phone at experian, and can not sign in because they say i already have an account. When I try to change the password as they request, they say they have emailed it to me, but its not coming to me. I can get no option with 9 different phone numbers to talk to a human, so I can not see what's in my report. 
There is no option to change my email address, and i can not reach anyone no matter which menu item i choose. So whatever persons email they have on file, is getting my info, and i can not reach anyone due to no option to talk with a person. its all automated. Ive been trying this for over 4 hours today alone. 
FYI this is an edit,,, at the end of this complaint you ask what name the credit report is in,,, Thats a stupid question, as my complaint is that i can't obtain the report, so how the XXXX would i know the name that have it under

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 2018-11-16
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I have been trying to contact XXXX XXXX for a very long time now. Their representatives were being very rude and threatening. I tried to contact them to send them my FTC Identity Theft Affidavit, my police report information, as well as documentation proofing I have been living in Michigan for the last 10 years and not an address in Louisiana. They denied me the opportunity and kept giving me the runaround. I don't understand why XXXX XXXX is refusing to acknowledge my Identity Theft problem. and trying to sue me and collect on a debt that is not mine. I am submitting this complaint due to the lack of response, communication, and investigation into my original dispute for a debt that does belong to me. This unfair practices by a debt collection company with no concern for the integrity of a customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
OnXX/XX/2018 I wrote to CFPB regarding Portfolio Recovery regarding 4 debts that were placed on my credit report. Two were removed and my score went up to XXXX. On XX/XX/2018 they placed another two debts with XXXX that reduced my score XXXX points. These debts were the ones I originally requested documentation for. I have no knowlegde of the debts and have requested written proof on several occasions. This attempt to collect and to destroy my credit without providing written proof should be illegal. How many times are they allowed to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with XXXX XXXX XXXX. 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 both XXXX, XXXX, XXXX  and XXXX XXXX XXXX  with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. XXXX  XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. 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 2018-11-16
Company: Avant Credit Corporation
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: Problem with personal statement of dispute

Complaint:
I had a loan account with Avant. Avant is reporting the loan " current '' payment status as 120 days late. Although, this account has been included in my chapter XXXX bankruptcy petition. The current payment should reflect that it's included in bankruptcy. The company has had several chances to correct this information. I've filed several disputes and nothing has changed. 

Avant XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: DISCOVER BANK
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/18, my car window was smashed and my entire purse was stolen. My wallet with all my money, credit cards, ID and checks. While at the scene with the Deputy who was writing the report, my DISCOVER card was used at a gas station ( I had received an alert on my phone ). At that exact moment, I told the deputy AND I called DISCOVER to report the fraud/crime. I explained to DISCOVER what had happened, I explained I was at the scene of the crime and that during that time, my card was used at a gas station for about {$44.00} worth of gas. The rep at DISCOVER seemed very apologetic and right away they closed the account and reported the fraud. I gave the rep the POLICE case number, the POLICE phone number AND the POLICE Detective 's name. The rep assured me that I would be protected and NOT be responsible for the FRAUDULENT charge. Fast forward 30 days, DISCOVER continuously failed to return the calls of the DETECTIVE working on my case. The DETECTIVE was able to track the FRAUDULENT purchase along with a video of the perpetrators.However, DISCOVER refuses to return the calls of the DETECTIVE and  investigate the fraudulent charge. I mailed DISCOVER a copy of the police report as well. As of today, XX/XX/18, DISCOVER refuses to acknowledge the FRAUD, investigate the case and denied my claim stating that I am responsible for the charge. After all that was/is provided to DISCOVER, and the DETECTIVE 's calls and report, they have IGNORED it all. DISCOVER has refused to follow through on all of the information and investigate this matter properly. Yet, DISCOVER " claims '' to protects its customers/clients. I need DISCOVER to honor the FRAUDULENT charge, reach out to the DETECTIVE on this case and properly remove this charge and clear my name/credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Transition doesnt notify me when working on a dispute. I cant even get into my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE. I NOTICED IT BCAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASNT APPROVED SO IT PROMT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AN DNED TO BE DELETED FROM MY CREDIT REPORT. XXXX  XXXX {$850.00} XXXX XXXX {$490.00}

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 2021-08-06
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 sent a letter previously ( XX/XX/2021 to be exact ), asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2019-03-30
Company: ZIONS BANCORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home was destroyed in a national disaster ( flood ) in which we received a total loss on our insurance policy from FEMA and we were forced by the county to tear the house down and rebuild. FEMA released the entire amount upfront ( {$140000.00} ). Because we have a mortgage the insurance check had to be endorsed. We received a letter from our mortgage company stating that we qualified for full release of funds and that if we sent the check in to them it would be endorsed and sent right back. We followed the appropriate steps but instead the company cashed the check and is now holding up a large portion of the proceeds preventing us from completing our new home. Our original insurance check was for {$140000.00} of which only {$100000.00} has been released. We scheduled a inspection of our new home in which the inspector ( hires by lender ) stated our new home was 80 % - 85 % complete ( contract price on new home is {$250000.00} ). We are making up the difference in new home cost in cash. However the mortgage company is refusing to release the proceeds until our new home is 100 % complete. The local banker, same company, offered a line of credit to help us complete the home essentially attempting to make more money off of us all while holding our money.

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 2018-09-14
Company: Interstate Recovery Service, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We received a letter dated XX/XX/2018 from Interstate Recovery Service,  NC. They claimed that they were trying to collect a debt for a company called XXXX 'XXXX XXXX in the amount of {$1400.00}. We have never ordered magazines from this company and we certainly would not have ordered {$1400.00} worth. We looked up Interstate on-line and the comments was that this is a fraudulent company. We would like you to investigate them.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-09
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have tried to get the credit bureaus to remove the bankruptcy from my credit report. It is incorrect and XXXX  has fixed it but Equifax and XXXX  refuse to remove it. They say the XXXX verified it but it is incorrect. I want them to do research and see that is incorrect and remove it from my credit report. I have attached a copy of the letter from XXXX saying that it is no longer on my report because it is incorrect. They have also tagged my wife and XXXX can see that hers is incorrect as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: The Outsource Group, Inc
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.

Company response to consumer: Closed with explanation