BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

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 2020-02-15
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My loan is with Shellpoint Mortgage Servicing They are collecting escrow account to pay for property tax and insurance. However, they missed payment my first property tax bill. I called them four times and wrote an email to beg them to pay but they just ignored me. The county sent me tax delinquency notice. Every time I called they sounded like I bothered them. They kept promising to set up payment. Until now, they did not make payment to county tax at all. I demanded all my escrow fund to return to me so I can make payment by myself but they refused. They even asked me to pay my own property tax while they hold close to 10,000 of escrow fund and doing nothing. Now that the 2nd tax is due I am afraid they just accumulated the escrow fund and my money would be gone. I do not have that much money to pay property tax and pay them every month into the escrow account.

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts.

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 2020-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not mine. Please remove them immediately.

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 2017-12-29
Company: Nelnet, Inc.
State: MO
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 am writing you this letter in regards to open student accounts/loans reporting on my credit report. These specific loans are reporting inaccurate balances. They have not been verified to be belonging to me. They have also, reached the reporting limit statue of 7 years. I am requesting that the following student loan accounts be removed from my credit report immediately. This is negatively affecting my score, debt to income ratio, and the process of buying a home. I will wait 14 days to ensure the removal of the accounts listed below before I proceed further. I hope that this matter is resolved in a timely manner. 
The accounts to be removed are as followed : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX DEPT OF ED / NELNET {$430.00} XX/XX/XXXX ( 3 yrs, 3 mos ) DEPT OF ED / NELNET {$440.00} XX/XX/XXXX ( 2 yrs, 6 mos ) DEPT EDXXXX NELNET {$530.00}XX/XX/XXXX ( 2 yrs, 6 mos ) DEPT ED/ NELNET {$1200.00} XX/XX/XXXX ( 2 yrs, 11 mos ) DEPT ED/ NELNET {$1500.00} XX/XX/XXXX ( 3 yrs, 6 mos ) DEPT ED/ NELNET {$1800.00} XX/XX/XXXX ( 6 yrs, 9 mos ) DEPT ED/ NELNET {$2000.00} XX/XX/XXXX ( 4 yrs, 6 mos ) DEPT ED/ NELNET {$2200.00} XX/XX/XXXX ( 2 yrs, 8 mos ) DEPT ED/ NELNET {$2200.00} XX/XX/XXXX ( 3 yrs, 3 mos ) DEPT ED/ NELNET {$3000.00} XX/XX/XXXX ( 6 mos ) DEPT ED/ NELNET {$3100.00} JXX/XX/XXXX ( 6 yrs, 6 mos ) DEPT ED/ NELNET {$3500.00} XX/XX/XXXX ( 6 yrs , 9 mos ) DEPT ED/ NELNET {$3500.00} XX/XX/XXXX( 6 yrs, 2 mos ) DEPT ED/ NELNET {$3600.00} XX/XX/XXXX ( 8 yrs, 2 mos ) DEPT ED/ NELNET {$4300.00} XX/XX/XXXX ( 2 yrs, 11 mos ) DEPT ED/ NELNET  {$4500.00} XX/XX/XXXX ( 4 yrs, 3 mos ) DEPT ED/ NELNET {$4500.00} XX/XX/XXXX ( 5 yrs, 3 mos ) DEPT ED/ NELNET {$4600.00} XX/XX/XXXX ( 6 mos ) Missouri Southern State {$4700.00} JXX/XX/XXXX ( 1 yr, 6 mos ) DEPT ED/ NELNET {$5300.00} XX/XX/XXXX ( 4 yrs, 3 mos ) DEPT ED/ NELNET {$5900.00} XX/XX/XXXX ( 5 yrs, 3 mos ) DEPT ED/ NELNET {$7200.00} XX/XX/XXXX ( 3 mos ) DEPT ED/ NELNET {$8400.00} XX/XX/XXXX ( 6 yrs, 2 mos ) DEPT ED/ NELNET {$9200.00}XX/XX/XXXX ( 8 yrs, 2 mos )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: GOLDMAN SACHS BANK USA
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: Information belongs to someone else

Complaint:
cra violation must remove violation of my rights idthft victim po report send hpd inquires are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: Receivables Performance Management, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company promised to email agreement via email which included if settled, the collection would not be reported to collection agencies. All conversations are recorded. 

Email was not received and the collection is now on my credit file.

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 2021-10-12
Company: JPMORGAN CHASE & CO.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2021 I applied for a credit limit increase on my Chase XXXX XXXX with a current limit of {$500.00}. The limit increase was denied on XX/XX/2021 for : Balances on accounts are too high compared to credit limits. My credit card usage is between 30-35 % on all major credit reporting. Also, I was under the impress that 4 factors must be listed not one. I also understood that the credit score should accompany this decline. I asked Chase Card Services to reconsider the decline and that was also declined. This time with 2 reasons ... .Not 4 : Too many accounts with balances Balances on credit card accounts are high compared to credit limits. 
The accounts I carry with balances is small compared to the number of cards I have. Again this disclosure contained no credit score. Actually this was not even in the form of a disclosure but a secure message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: LoanCare, LLC
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX my partner XXXX  from XXXX. He deeded the house over to me. I started with XXXX and then XXXX XXXX and then XXXX. I was sold to XXXX XXXX last year. I was paying mortgage under my partners name. In XXXX a Gang stole my back up fund of cash. I failed the mortgage payments. I was turned over to Loan Care. I am almost XXXX and XXXX with XXXX  problems. Loan care just informed me I have a second mortgage on my home for {$75000.00}. They informed me it was XXXX XXXX debt and I have to assume it. Was created in XXXX. I said no they had forgiven the debt. Representative said talk to XXXX They are not available due to insolvency. 

I have talked at great length with XXXX XXXX and Loan Care. They are rude and over ride my every word. Loan Care did a loss mitigation plan and it works out more than my old payment. They also charge {$10.00} dollars daily for late charges. XXXX XXXX is an awful company.

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 2020-06-07
Company: Consumer Portfolio Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I am writing again about Ace Cash Express debt collection tactics. I was contacted today, XX/XX/XXXX by a woman calling from XXXX saying that she was calling about a court case and that I needed to call XXXX case # XXXX or officers would be at either my home or job by the end of today. I didn't call the number because it seemed to be a scam. I then got a call from my mother and she said she got a call from someone saying that I was being sued and will be arrested if I didn't call the same phone number. My mother was very scared and upset. I called the number back only to find out that it was someone calling about a XXXX loan that I got from them in XXXX. She said the with interest and fees the amount owed was XXXX. She then said that because they are having to sue and file fraud charges against me that I will now owe over XXXX I told her that they couldn't do that, and that I would not be paying it. She then kept repeating the threats of court and arrest until she ended up hanging up on me as I told her that what she was doing was illegal. I have now gotten a call from my ex-husband who lives in Tennessee saying that he received a voicemail message on his cell phone saying that there was a court case against me and for him to tell me to call them. We have been divorced since XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified That I have disputed. Please resolve this manner as soon as possible. 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 2017-11-13
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Spoke with agency today collection person : XXXX XXXX Account open : XXXX XXXX, XXXX Account closed : XXXX XXXX, XXXX cell phone numbers : XXXX / XXXX collection company has account since : XXXX XXXX, XXXX Balance : {$1200.00} called on XXXX XXXX, XXXX - no follow up manager stated I ca n't help you and ca n't send this account back to original creditor

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 2017-07-07
Company: Servis One, Inc., Titusville, PA Branch
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
There is an unexplained charge of {$170.00} attached to my mortgage that needs to be removed. The company to me to have my lawyer explain it when I called. Unacceptable!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: ERC
State: CA
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove them from my personal credit file. Thank you. 
ENHANCED RECOVERY CO L ( Original Creditor : XXXX ) -XXXX-Balance {$290.00} ENHANCED RECOVERY CO L XXXX Original Creditor : XXXX XXXX XXXX -XXXX-Balance {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2017-11-13
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have had a Citibank XXXX for years. I paid the balance off in full on XXXX XXXX, XXXX. Copy attached. I was suppose to have received a new card due to a fraud breach on Citibank 's systems. I recently received an automated call saying I had a past due balance. I looked online today and it says I still owe {$3.00}. I called and was told that the balance due in full online is not the balance due in full, there is always more interest. I do not see how this is possible, as I would be paying the balance in full and then always have more interested the following month.

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 2020-02-15
Company: Law Office of Michael J. Scott, PC
State: SC
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:
DATE:XXXX-20 COMPANY : XXXX XXXX XXXX Michael J. Scott XXXX XXXX XXXX Scott & Associates , PC ISSUE : Ive NO CONTRACT with these entities and have been disputing this for some time as your files will show. As soon as I disputed here they illegally noted derogatory trade lines on my credit.They also illegally impersonated an officer of the law showing up to a residence and spoke to people they believed associated with me fully disclosing procedures against me. They violated numerous FCRA FTC and TILA Statutes by way of not responding to over 33 written certified correspondences from myself asking them to verify and provide information specifically requested which they refused to do. During this time they filed a lawsuit against me where I do not reside serving someone else. Thankfully I was alerted of this information and filed a motion to quash service of summons and motion to dismiss.I also filed a complaint with the attorney general as well as the FTC and Federal Reserve. On XXXX-20 they legally DISMISSED all allegations ENTIRELY against me by way of filing with the courts. MY CREDIT REPORT IS INACCURATE NOT REPORTING THIS AND NEEDS TO BE FIXED IMMEDIATELY. I PLAN ON FILING FEDERAL RICO CHARGES FOR THEIR CONTINUING CONSPIRACIES AGAINST ME SHOULD THIS NOT BE REMEDIED ASAP.PLEASE REQUEST THEY PROVIDE YOU WITH COURT DOCUMENTS SHOWING THE INACCURACIES AND THAT THEY REPORT TO XXXX  XXXX  AND XXXX  ALL EQUALLY WHICH HAS SIGNIFICANTLY BEEN LOWERED BY INACCURACIES AND LOWERED MY FICO.I REITERATE I DO NOT HAVE A CONTRACT WITH THEM AND THEY HAVE AGREED BY FILING WITH THE COURTS THEY HAVE DISMISSED ALL ILLEGAL ACTIONS UPON MY CREDIT WHICH HAS YET TO BE REMEDIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/XXXX, put a late payment on my credit report for an account that I closed in XXXX 2017. XXXX XXXX had went out of business and I called there customer service line and they did n't have a clue how I was suppose to submit my payment for a credit builder account. The account showed closed in XX/XX/XXXX on my credit report and now in XX/XX/XXXX It 's back open with a late payment.

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 2019-08-04
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Continuous fraudulent interest charges of {$2.00} a month on my synchrony bank care credit account, on going for about a year. I called the bank in late XXXX to early XXXX to report this and they credited me for the fraudulent interest payments and said it would stop. They have continued to charge me fraudulent interest monthly for {$2.00} and I am reporting it to them again today XX/XX/2019.

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 2020-09-24
Company: Sovereign Lending Group, Incorporated
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX was my loan officer at Sovereign Lending Group. I needed a simple refi on my home. He gave me his initial loan estimate and I as a consumer took that estimate and started shopping for a better deal. When I found one I brought it back to XXXX for him to beat. He stated to me several times, if you find a better deal bring it back to me and I will 100 % beat it. He said he was going to beat the costs no problem. I followed up a few times and when he got back to me finally, he said he would beat the costs at the closing table. He was basically trying to ensure that I did not go back out again and shop his loan estimate. This is extremely disappointing and very unprofessional. This type of lending practice should not happen. I have all of these details in writing from the LO if/when needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax will not unfreeze my account. Trying to buy a house but Equifax says that I have a 7 year alert but refuse to remove alert in which I did n't agree to.      XXXX  will not unfreeze my account.trying to buy a house but  XXXX  refuses to remove the alert or freeze on my credit report in which I did n't agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: Avant Credit Corporation
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was denied on XXXX XXXX Avant to get a home equity loan. They send me a letter saying due to they couldnt verify my employment. I submitted two years tax returns and had extensive conversations that I dont have a w2 job. My income drives from annuity and investments. They failed to review my docs and discriminated to give me a denial. I want this looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I made 3 payments. XXXX did not apply my payments correctly because of that they left my money I paid in limbo making it look like I was on schedule with my payments. Then in XX/XX/XXXX they sent money back to me that I paid. Causing me now to be behind in payments due to there neglect in apply my funds properly. So they are reporting me as delinquent and saying I owe money to make sure I am up to date. I called and tried to talk to them and all they wanted to do is blame me and take no responsibility. To this day they are harassing me about it. They act as if they report to no one and I feel like I am being bullied by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation