BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
Company: Penn Credit Corporation
State: OH
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:
Ive reached out to XXXX XXXX XXXX about the false reporting and haven't received a reply its been 30 day and i still haven't heard anything this is highly illegal and i dont own an account with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: National Credit Adjusters, LLC
State: CA
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:
National Credit Adjusters is reporting inconsistent and inaccurate information on my credit reports which is greatly affecting my credit score and is in violation {$1000.00} per violation with the FCRA. Ive disputed this account before and yet this account continues to report the inaccurate information. For example it reports the Date Of Last Activity for XXXX  is XX/XX/XXXX while for XXXX  reports XXXX/XXXX/XXXX. This is a violation of the FCRA by this account has be ILLEGALLY re aged the account showed closed back in XXXX and thats supposed to be the last active date. This account also shows that its closed but yet with XXXX  also shows late 120 days. This is another violation by an account that is close ended can not be late unlike open ended credit card accounts per the FCRA. Ive disputed this account before with XXXX  back in XXXX of XXXX but yet on the report it did not update the date reported which shows XX/XX/XXXX which is a violation of the FCRA by its suppose to update the account status each time its disputed. XXXX  shows the last payment was XX/XX/XXXX and XXXX  shows XX/XX/XXXX. If all the credit bureaus are getting their information from the same company how is it that theyre reporting different information. XXXX  as well has inaccurate and inconsistent information which will be attached

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
In approximately XX/XX/2016, via telephone I was disputing the charges. but didn't feel listened to. I was explaining I believe some charges were from another source and disputed the overall balance. I got nowhere. I hate to think my identity was hampered with but the company reps didn't seem eager to assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient is breaking federal law on many fronts. They allege that the federal stafford subsidized loans that I have do not qualify for Cares Act relief. They allege that instead of being direct from the federal government, they are from a private bank which is not the case. The federal government holds the paper on my loans. 

They have called repeatedly at off hours violating federal communications laws. They are collecting on loans that qualify for moratorium relief. 

I have requested an audit on these loans and for them to provide copies of the original promissory notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: NC
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:
In a accordance with the fair credit reporting act XXXX  accounts listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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 Department of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Exeter Finance Corp.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I deposited {$740.00} into the ATM on XX/XX/2018, I transferred about {$600.00} to my business checking account. 

The following day some additional transactions posted on my account and was charged an insuffient charge fee of {$34.00} for being only {$10.00} short. 

Chase charges me {$12.00} per month of servicing fees even though I meet the proper qualifications to avoid this charge yet they still bill me these insuffient charges when I have my business checking thats tied to my personal and always has funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is not a dispute for debt, this is a request to remove an address that 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 non-monetary relief
Consumer complaint received 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/ I sent written correspondence to TransUnion requesting Verification of Negative Items shown on my credit report. TransUnion was instructed to obtain either Verbal or Written Proof Directly from a Person at that Source, pursuant to 15 USC Section 611 ( i ) ( 7 ) section ( 6 ) ( I ) ( iii ) of FCRA. 

On XX/XX/ I sent second written correspondence to TransUnion re-opening the investigation of negative items listed on my credit report. In this correspondence, TransUnion was instructed to provide VALID PROOF OF VERIFICATION BY PROVIDING ORIGINAL SIGNED CONTRACT/AGREEMENT WITH WET INK SIGNATURE or TO REMOVE ANY AND ALL NEGATIVE ITEMS WHERE CONTRACT COULD NOT BE PROVIDED. 

On XX/XX/ I sent Third Written Request & Final Warning to TransUnion that they are to reinvestigate the negative item shown on my credit report and to provide PROOF OF ACCURACY OF VERIFIED ITEMS BY PROVIDING ORIGINAL SIGNED CONTRACT/AGREEMENT WITH WET INK SIGNATURE OR TO REMOVE ANY AND ALL NEGATIVE ITEMS WHERE CONTRACT COULD NOT BE PROVIDED. 

As of Today, I still have not received any valid proof of verification from TransUnion yet they continue to report the items as accurate and verified.

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 2020-11-24
Company: HOVG, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently found out that I had a debt of {$75.00} from XXXX XXXX XXXX from XXXX. I had no knowledge of this bill. XXXX XXXX notified me that I had a derogatory mark on my credit report and that is how I found out. This bill has now been paid in full, and I would like it removed from my credit report. If I had known I had a bill in XXXX I would have paid it. I have not lived at this address since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I never received a letter or was notified of having the debt. I was in communication with the debt collector while i was paying off my account and when i finished the pay off. I asked to see if there was any other account with them. They assured me there was not any other debt with them, then a few days later i saw another derogatory account on my credit report. They never attempted to contact me or notified me with the balance. I would have paid them, however they didn't notify me. I find this practice to be unethical and illegal, because before they report anything to any credit bureau they are obligated to attempt to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
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:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. 
I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
Company: AMERICAN HONDA FINANCE CORP
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am being trying endlessly to reach XXXX credit report company When trying logging there is always A problem When I do log in it will stop working Or freeze Then i find it impossible to reach Them over the phone as the answering System would not direct you to a customer service representative Other credit repotting was easy to reach And dispute a problem or a case Since the pandemic started my credit got Destroyed by agencies not responding In order to update and solve a problem From a perfect credit to fair credit co-signed cars where the reporting agency Would not give a fair warning to try fix the problem As of lack of good credit I had to apply for Other credit venues which end up taking my credit even lower while paid all And the favor always goes to who Ever sends a late or unpaid bill Which could have been resolved in an instant with a worming! 
All started in XX/XX/2020 till today!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In the process of purchasing a home and had your credit pulled and was surprised to see a collection from AWA which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. Upon further review it is found that the original creditor has been paid, I have reached out and paid directly the original Creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with XXXX XXXX for 20 years and in those 20 years I would go to the XXXX XXXX office and pay cash every month I never missed a payment because it was cash. Now they have sold my mortgage to Rushmore loan management. that company is telling me that I am one month behind I told them several times in writing no I am not so tell me what month you say I didnt make so I can investigate it and prove I didnt pay by looking up all of my receipts all Rushmore does is send me blah blah letters saying we applied this to that and applied this to that and applied this to that it doesnt tell me where the problem originated. I feel like all I am dealing with is a computer never a human and when I try to call them Im on hold for over an hour I cant do that so I write them letters can you contact Rushmore loan services and tell them that I want to know what month They are accusing me of not paying loan number XXXX Rushmore loan management company in XXXX California

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: National Credit Adjusters, LLC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have received several notices of a case filed in District Court stating garnishment of my wages is going to start. There is no indication anywhere of what the original debt even is or an account number anywhere on their documentation. It does not appear on my credit report and I work for a federally regulated XXXX XXXX and we can not locate this debt anywhere. I have read several reports that this company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
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: Information belongs to someone else

Complaint:
I never had an account with XXXX  I contacted them but they never remove it from my credit report. Im a sick man with XXXX and cant even go to the gym

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 2018-07-10
Company: Home Point Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Home Point Financial is the mortgage company. I live in a condo and they are the mortgage company. They are only supposed to pay insurance for my apartment a total of {$300.00} a year. In XXXX they erroneously paid {$2400.00} to a different insurance company to pay for the master insurance on the whole house - an error. This was supposed to be paid by the Condo Association. I repaid them the full amount and they raised my escrow {$400.00} per month. They are not even crediting me with my regular payments - but are keeping it in a separate account. All my calls, letters, and emails have gone nowhere. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: American Collections Enterprise, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a follow up complaint to complaint # XXXX. I called American Collection Enterprise , Inc and spoke with XXXX XXXX. I have never come across a more rude and belligerent individual. She repeatedly cut me off and refused to transfer the call to somebody with more manners. It was impossible to further discuss my case with them but at this point beyond the written dispute, 2 CFPB complaints and call today with them, they continue to attempt to collect a debt that is not owed and have not furbished any tangible evidence whatsoever.

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 2020-08-29
Company: JPMORGAN CHASE & CO.
State: AL
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a capital one credit card. I have not used in one year. The fees are over {$80.00} per month I pay {$100.00} and my balance keeps going up. I called them in XX/XX/2018 they said I qualified for {$74.00} per month to pay off my card. They put me on hold and hung up. When I called back they said I no longer qualified because the call was not completed. I reached out to cfpb XX/XX/2018. Capital One called me after this complaint # XXXX and agreed to close my account and offer me the {$74.00} per month payment and 7.4 % interest from what I have now around 23 % interest. I called four times as they said I would receive agreement in mail. I do not feel comfortable in making a payment until I recieve agreement. Last week I called capital one again and was told it will take effect in XX/XX/XXXX and paperwork would arrive in XX/XX/XXXX. I am attaching paperwork I received XX/XX/XXXX which is not an agreement but a letter stating what I owe. I need to resolve this and get rid of this debt, capital one is giving me the run-a-round and totally causing undue stress to me. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: PHH Mortgage Services Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband had a XXXX XXXX back in XX/XX/XXXX which caused us to fall behind on our payments. I continuously worked with Loss mitigation to get help in the matter. On XX/XX/XXXX, we were approved for a repayment plan and per the documentation received as long as we notified them that we wanted to do it and made our payment as of XX/XX/XXXX, we were in repayment. When i called in to accept the plan, I was told i could pay over the phone and nowhere in the documentation did it say otherwise. On XX/XX/XXXX, I called to make my payment and was told no, i had to mail it in. I did mail it in, but it never posted. On XX/XX/XXXX, I called to see what my options were and if my payment was received yet. Once again, I was told I could make a payment over the phone, then after a payment was attempted, advised the payment would have to be mailed in. I was told at that time that the representative would keep an eye on my account and if I was in Jeopardy of the plan breaking if my payment didn`t show up, she would call me. When I called on XX/XX/XXXX because i still hadn`t heard anything. I was told the plan was broken and I would have to resubmit new paperwork. I resubmitted new documentation with the same information i previously used and received a total declination letter. How is that possible when a month before we were eligible? I have resubmitted all documents and on XX/XX/XXXX was told a complete package was received and that foreclosure activity were on hold and no sale date could be processed. I called on XX/XX/XXXX to check on the file and was advised, nothing had been done with it, it was just sitting there and the representative would reach out to the processor. On XX/XX/XXXX, O was served with Foreclosure papers which was a violation of my rights, since I never received anything after my XX/XX/XXXX letter. I have since resubmitted documentation and the sale has been suspended for 30 days while they review, but if they come back and decline it, I will lose my home.

Company response to consumer: Closed with explanation