BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-28
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX   and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind due to repairs needed to the property. The problems has now been resolved.

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 2020-10-12
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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2020-10-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MIDLAND CREDIT MANAGEMENT , INC. is being unfair and negligent. They are not respecting my consumer rights. I am demanding the following item to be removed from my 3 credit reports : Account number : XXXX Date Opened : XX/XX/2019 Original Balance : {$3400.00} I have suffered several damages in my credit score and personal life due to they're wrong reporting : 1.  Unfair business practices. 
2. Failing to mark account as disputed.

3. Re-aging account. ( Serious violation because it kills my credit score ).

4. Reporting incorrect activity and first delinquency date.

5. Negligence.

6. Failure to provide customer adequate customer service.

7. inconsistent report across bureaus.

I have attached some documents. Please send it to the company.

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Experian Information Solutions Inc.
State: RI
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:
i have sent experian more than 8 letters since XX/XX/XXXX regarding this account on my credit report by the name of XXXX XXXX  and another of XXXX XXXX XXXX. they continue to verified as accurate eventhough when i point oout all the inaccuracies and violation on this accounts, XXXX XXXX reports as open which is not, it has been closed since XXXX, i disputed with the creditor also and they did not place the " notice of dispute '' not the creditor nor the credit bureaus, XXXX XXXX XXXX the same thing, this account reports a late payment every single month eventhough it has been closed since XXXX, the creditors ignores my request of disputes and the credit bureaus continue to verify inaccurate accounts in violation. XXXX has been the same exact issues. how can XXXX see the inaccuracies and violations and remove these accounts, but experian and XXXX  wont see them???

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 2019-05-22
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently received notice that my mortgage was subject to foreclosure. I had been previously unaware that it was so seriously delinquent ( recently changed jobs, which caused automatic payroll deposit changes, so I lost sight of status on some accounts, and have not seen any correspondence indicating serious delinquency ). 

I immediately attempted to contact the mortgage servicing company to resolve the issue, and have been unable to reach them because their voice response system indicates " technical difficulties '' make it impossible to talk to an agent. 

I am concerned that the so-called " technical difficulties '' are actually intended to further disadvantage delinquent accountholders, by making it impossible to cure the deficiency before foreclosure actions are taken. 

At the very least such actions would result in additional fees, to the benefit of the servicing company and their affiliates ; at worst they would result in borrowers losing homes needlessly. 

This is a prime example of the need and value of regulatory oversight. Thanks for being there for us!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am an authorized user of this XXXX account of which was explained to me by XXXX that this account would be reported to all national bureaus However I have reviewed my credit file with Experian and have not seen any reporting thus far for almost a year. I received document form XXXX XXXX explaining the request to have the account reported. I've attached XXXX 's document to reflect more information.

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 2019-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
i have sent XXXX more than 8 letters since XX/XX/XXXX regarding this account on my credit report by the name of XXXX XXXX and another of XXXX  XXXX card. they continue to verified as accurate eventhough when i point oout all the inaccuracies and violation on this accounts, XXXX XXXX reports as open which is not, it has been closed since XXXX, i disputed with the creditor also and they did not place the " notice of dispute '' not the creditor nor the credit bureaus, XXXX XXXX card the same thing, this account reports a late payment every single month eventhough it has been closed since XXXX, the creditors ignores my request of disputes and the credit bureaus continue to verify inaccurate accounts in violation. Transunion has been the same exact issues. how can XXXX see the inaccuracies and violations and remove these accounts, but XXXX and transunion wont see them???

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 2019-09-07
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I acquired a personal loan through Sallie Mae with a cosigner. I set up a payment arrangements with Sallie Mae through a direct debit and then I received a letter saying that Sallie Mae was now Navient and that they would be handling by private loan. Everything was fine for about a year and then I lost my job. Navient starts harassing my cosigner. My cosigner set up payment arrangements for credit worthiness purposes. Then all the sudden they would send letters and would start calling at XXXX XXXX about a payment that had cleared at the bank XXXX  days before it was due!!! Payments were misappropriated. The customer service representatives were like The Stepford Wives. I would ask to speak to a supervisor or someone in a higher position this person would take care of the situation reallocate the money the next month the same thing would happen and they would have no idea about my conversation with a supervisor the prior month ; even though the conversation was monitored and recorded for quality assurance purposes. This company is a joke!!! The XXXX XXXX XXXX says Navient has an A+ rating. I still owe {$1500.00} on a {$2800.00} loan I started paying on in 2011. Do I need to hire a Dream Team to take care of the situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: TX
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 ; XXXX and XXXX are reporting collections that are a direct violation of the F.C.R.A. XXXX XXXX XXXX is reporting a collection on my credit report partial account numbers - XXXX XXXX. ( Please see pages 33 and 34 of the attached credit report. ) These private student loans were taken out in 2007. I was unable to continue to make these payments. XXXX XXXX XXXX sued me and lost because the statute of limitations had ended. Attached are copies of the Judgment granted in my favor. Consequently, XXXX XXXX XXXX sold this debt off to a third party who is now reporting this as a collection. These accounts should never have appeared on my credit report. This incorrect reporting is harming my credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
TD Bank XX/XX/2019 Unauthorized ACH withdrawal by XXXX XXXX in the amount of {$650.00} XX/XX/2019 Unauthorized ACH withdrawal by XXXX in the amount of {$650.00}. 

I immediately went to my local branch of TD Bank in XXXX MA. And filed a dispute for the fraudulent withdrawals. They told me it might be seven to ten days before the charges would be reversed. I then went back to the branch later in the day once it became clear this was tied to a known fraud incident regarding XXXX. They again stated they could do nothing and could not block the current pending withdrawal of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-07
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was told that someone would come to my place of employment and get arrested if full payment was not made over the phone at that moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I went to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CO XXXX, at approximately XXXX XXXX, XXXX XXXX of XX/XX/2018 to buy groceries, including getting XXXX dollars cash back on a personal check written from my bank, XXXX XXXX XXXX XXXX. I have written checks many times at that exact location of XXXX XXXX before with no declines of my checks. I was told today by the XXXX XXXX checkout staff to call Certegy, and was given the phone number to call, which is XXXX. 

I spoke with a woman at Certegy about XXXX XXXX over the phone, and it was a very bad call, and not what I wanted to hear. ( I do not remember her name, but all calls are recorded. And yes, I was VERY upset and I used a curse word and anger filled words because she refused to give me the exact reason, as I asked her several times. We as consumers should never be treated and punished in this way. I lost my father and uncle in the same year recently, so I was very upset. I apologize for the bad words and anger, but you can understand why I was so upset. This should not have happened. ) The amount of the check was for {$110.00}, which includes {$40.00} cash back. Same credit union and same bank as I wrote a check there before at the same location. I have a copy of my Certegy report and NO checks are outstanding or showing returned, so there is literally NO reason why this should have happened. 

I am upset, humiliated and embarrassed. I feel harassed and insulted to say the least. Consider this a direct complaint against Certegy for the way they treated me and declining my check without ANY EXACT REASON given. A cookie-cutter list of reasons is NOT the exact reason. And she REFUSED to tell me the real reason, which is unacceptable, and should be considered a direct attack on my credibility and integrity. 

I shop at that store all the time. I will not be forced to use another form of payment, when this is basically the only way I do business. I have been a victim of fraud in the past, so I can not use a debit or credit card anymore. I do not feel comfortable using any form of card now because of being a victim of fraud and theft directly towards me. 

Please, get on top of this right away for me. I would greatly appreciate it. Thank you.

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 2020-10-12
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: Information belongs to someone else

Complaint:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX XXXX XXXX, Bank of America, XXXX, New Jersey branch, suggested I open a checking account! He said there was a promotion : I would be given {$300.00} after 3 direct deposits totaling {$5.00} ; XXXX, this as dine by my monthly Social Security checks! 

He NEVER told me that there can be up to 60 days for the {$300.00} to be deposited into my checking account! He scrolled quickly through dense arcane wording and provided me with nothing in writing! What mattered was the sale! 

But now I am told it can take up to 60 days for the {$300.00} to be deposited by the bank into my checking account! I objected. He said he was powerless to speed up payment. The matter was escalated to the branch manager who repeated the up to 60 days excuse! 

But this is not rocket science! There can be no rational excuse for such a long, long delay other than the bank does not want to part with the {$300.00}! 

The bank may not retaliate against me for filing this complaint! That would be obstruction of justice and interference with the administration of government-both felonies!

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 2019-05-23
Company: Waypoint Resource Group, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A letter was sent to Waypoint Resource Group dated XX/XX/2019 requesting that the company send validation of debt with my signature as of today 's date the company has not responded to the correspondence or request

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I recently received a an incorrect reporting on my credit file from all 3 credit bureaus XXXX, Experian, and XXXX of a fraudulent credit company claiming that I owe them said money amount. The name of the company is called " XXXX XXXX ''. I sent correspondence to all 3 credit Bureaus about this fraudulent reporting on my credit report and al 3 credit Bureaus had deleted the incorrect report. I recently pulled my credit report and noticed that the same file was put back on my credit report again. I am requesting that this company discontinue from reporting anything fraudulent on my credit file and that the 3 credit Bureaus also stop reporting this claim on my file after deleting it off.

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 2018-07-07
Company: EQUIFAX, INC.
State: AZ
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 am a victim of identity theft. The following account and credit inquiry is listed on my Equifax credit report and is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: First Credit Services Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
1 ) I have canceled this membership twice by providing my ID to cancel this membership as required per the membership agreement with the XX/XX/XXXX XXXX. This was done in person. 

2 ) On XX/XX/2020, I received an email and call from XXXX XXXX XXXX XXXX and disputed the charge. I reiterated I had canceled the membership long before this charge. I further requested that communication should be done in writing as I was spoken to in an inappropriate tone. I never received another communication. The employee stated even if it was declined on the fact it was fraudulent we can still collect. I also notified the Federal Trade Commission at this time because of the attempt to collect a debt that was clearly fraudulent. I never received any further communication from XXXX XXXX XXXX XXXX. 

3 ) This charge was billed to a XXXX XXXX XXXX credit card even though I had entered XXXX XXXX XXXX XXXX twice and provided my ID to cancel this membership. I initiated a fraud chargeback process as this was not a legitimate charge. I won this case and was refunded the amount plus additional charges including interest to my credit card. 

4 ) I received a call from First Credit Services and further stated no communication is allowed via phone. It is to be done in writing. I also explained this debt was because they attempted to charge my card and it was deemed fraudulent. I stated no verbal communication because the company threatened this would damage my credit and be reported event though it was deemed fraudulent. 

Is it common practice for First Credit Services to attempt to collect on charges that have already been deemed fraudulent or not valid? According to the FCRA, this practice is deceptive and reportable. XXXX XXXX XXXX XXXX knew the account had been closed, the bank concurred with the finding the account had been closed yet XXXX XXXX XXXX XXXX and First Credit Services Inc are attempting to collect on a fraudulent basis. I have notified the three credit bureaus with this information. I have also contacted the following agencies to report this incident Consumer Financial Protection Bureau, the Georgia Governors Office of Consumer Protection and the Federal Trade Commission. 

5 ) A letter disputing this debt was mailed to both XXXX XXXX XXXX XXXX and First Credit Services on XX/XX/2020. No response from that letter was received. On XX/XX/XXXX, the account was added to my credit file even though I was disputing the debt in writing with the original debtor and the debt collection company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
In XX/XX/XXXX I filed bankruptcy and had all accounts sans educational loans discharged. In XX/XX/XXXX I noticed that a former creditor XXXX XXXX XXXX continues to post derogatory information regarding an account that was discharged in bankruptcy. I contacted all 3 credit reporting agencies and the XXXX XXXX XXXX. The creditor said they removed the information on XX/XX/XXXX. I verified my credit reports on XX/XX/XXXX and the information had been removed. I pulled a credit report on XX/XX/XXXX and saw that they proceeded to report the negative information immediately after agreeing not to on XX/XX/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