BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-29
Company: Nationwide Recovery Systems, Ltd
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:
The company has called my business line twice a day for over 2 months. I have repeatedly informed them this is a business line and they have the wrong person and have requested that they put me on the do not call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Commonwealth Financial Systems, Inc.
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I am writing about two new items that have been added to my credit report by Commonwealth Financial Systems. There are two items that they have added to my credit report 1st- {$170.00} and 2nd {$600.00}. I contacted the credit reporting agencies and they have advised that this is valid. Which is ridiculous - as the representative could not even tell me which hospital this is for. 

I called and spoke with their office on XX/XX/XXXX I spoke with XXXX XXXXXXXX @ commonwealth. I asked for some proof that this is infact my debt he was unable to provide me with the basic information necessary. He told me, " to think about possible hospitals I have visited in XXXX. '' How is this possible? 

I then contacted the credit agencies to advise and they are telling me this is a valid debt. How is this possible? They can't even confirm the original creditor? or hospital? Please help me. 

thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: GUARANTEED RATE INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom it May Concern : I obtained a loan through Guaranteed Rate ( GR ) in XX/XX/XXXX. The location of my property is XXXX, PA. The home I purchased was a brand new constructed building ; therefore, I was able to obtain a 10 year tax abatement. When the new escrow analysis came out in XX/XX/XXXX, GR substantially overestimated my tax payments, as their analysis disregarded the tax abatement. This resulted in an overpayment to the City of XXXX of {$2700.00}. Further, the estimated monthly payment exceeded my correct payment by approximately {$750.00} per month ( i.e. overstatement of taxes and shortage of payments for the beginning of the year ). I contacted GR in late XX/XX/XXXX, they informed me I needed to contact the City of XXXX to obtain the necessary documentation related to the overage. I received the documentation from the City of XXXX, and appropriately forwarded such documentation to GR. About two weeks later I contacted GR to follow-up. The representative told me they received verification, the analysis had been completed, and I would receive confirmation of the change along with the new calculation and any reimbursement. As of XX/XX/XXXX, GR, which is the servicer, once again took the incorrect payment in the form of my automatic payment. I contacted GR today to see what was going on. I spoke to 4 different representatives, all of which forwarded along to someone of no assistance. One individual relayed to me that they are waiting for the refund from the City of XXXX to change my payment and reimburse me for my overpayments. However, she stated this can take up to 46 weeks. I asked why I would be responsible for paying in excess of {$750.00} per month for up to 9-10 months ( i.e. approximately {$7500.00} more than legally required ). She stated " that's just how it is. '' GR, the servicer, made the error in the calculation, I have provided documentation from the City of XXXX, and GR has received confirmation of such documentation from the City of XXXX. However, GR refuses ( multiple times ) to  address the issue and lower my payment to my legally responsible payment. If I pay less than what they have calculated I could potentially run into credit issues and/or have to worry about defaulting on my loan and my property go into foreclosure. I am not responsible for lending ( or floating ) GR  excess funds because they failed to accurately calculate the required payment. Further, the Branch Lender inquired about re-financing my loan and I informed him of my issues. His response included the statement, " we can fix the servicing issues with a refinance. '' I should not be liable for the servicers errors and demand that my monthly payment is reduced to its required amount and I receive reimbursement for overpayment. Overall, the behavior exhibited by this entity and its representative is unwarranted, unlawful, and must violate some subsection of TILA or RESPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: DISCOVER BANK
State: AP
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My wallet was stolen towards the end of XX/XX/2022. I was in a middle of a military mission stationed in XXXX XXXX so by the time I had computer access and phone access for a long enough time, I saw that my Discover Card had fraudulent charges on it. I opened up a dispute with Discover in XX/XX/2022 and they claim that there was no fraud. I reopened the investigation and sent them the military police report and they still claimed no fraud. I asked for more information, proof of investigation, or what else they will need from me to prove that I did not make those charges and they did not give me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from CACH , LLC -they are collecting on behalf Resurgent Capital Service , L.P.- a old loan from XXXX XXXX XXXX XXXX XXXX. Me and my family are trying to get this account resolve but we just don't have enough money to pay in full. When I contacted the Collector CACH they told me this new trade line in my credit report will destroy my credit and probably they will have to suit me, I can't handle the situation so after some weeks my husband called the collector because we don't want to get involve in a law suit.

My husband made a settlement offer in order to get this resolve but was declined for the collector, and after some weeks he made a different offer but it was declined too. We know for fact that this account is over 5 years and under California Law this collector may not be able to file a law suit against me. I sent a request of validation of debt with a new settlement offer to the Resurgent Capital Service mailing address ( XXXX XXXX XXXX, XXXX, SC XXXX  ) on XX/XX/2019 but never received a response back from this collector. My husband called and the collector said they never received, so I mailed the same request to the same address on XX/XX/2019. Now in XX/XX/XXXX my husband called asking for a response of my request but they representative said for second time that they never get it, but verified the mailing address. My husband asked to the representative if he can forward a settlement offer to the owner of the debt ( Resurgent Capital Services ) but the representative just won't.

I just want to get this resolve and I don't want to get suit, but I want to be sure that the debt buyer and the collector are have the right to suit me or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/2021 Balance : {$370.00}

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 non-monetary relief
Consumer complaint received 2020-09-21
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've been trying to lift a security freeze online since XXXX. I've attached the most recent screen shots, from today. In essence, when I try to log on, it says temporarily unable to to complete this request - it's been saying that since XXXX! If I try to cerate a new account, it says I already have one, and if I need to reset my password to use a a link that does not exist. When I clink the link saying I need sign on help, it says no account found, but will not let me sign up for one because I have an existing account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am unable to get Mohela to review my account under the new XXXX XXXX XXXX XXXX XXXX XXXX ) waivers and guidelines. My loans were consolidated into the correct loan type in XXXX. I've been with a qualifying government employer since that time. My PSLF history goes back to XX/XX/XXXX when the program started. I've submitted employment certification regularly ( to XXXX and now Mohela ) during that time. My account currently reflects XXXX qualified payments, an additonal XXXX needing employment certification and XXXX ineligible payments. The XXXX ineligible are all forbearance months that will become eligible and qualifying once my account is reviewed. I submitted an application in XXXX that was processed in XXXX with an update to only the more recent months. I was again denied forgiveness. I submitted another application recently and am just trying to get someone to review and update my seemingly straightforward account information and path to loan discharge. Once reviewed, I will have XXXX qualified payments and my loan forgiveness will date back to XX/XX/XXXX, resulting in a substantial refund of payments. Every touch to the case seems to start a new " 90 BUSINESS day '' clock for review. It has now been almost a year that new policies regarding forbearance months were announced and there has been XXXX movement on my case. I am asking for timely review of my account and submission for discharge of my loans under XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-04
Company: ResidentCollect, 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:
I have tried to call this company several times and speak to someone that is willing to listen and help. They have placed on my credit report for XXXX XXXX XXXX at which I have called to try and have the debt verified, the owners are new owners and therefore do not have the ability or can not verify the information. 

I have asked several times from this collection agency to pass me along to a supervisor and they either argue that there is no other person to speak to or hang up. 

I would like this rectified for I am trying to buy a home and this is not allowing me to. 
I am willing to settle for 1/2 but cant get that far in the conversation. They want a full amount and I am not paying that for they cant even properly verify the information. 
I just want this deleted from my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: CA
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:
I am a consumer by law and this is not sent in error. My private information that is protected by law is being used without my written consent. I am demanding compensatory damages for this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Block, Inc.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There was an atm withdrawal made for XXXX and I didnt make the withdrawal on cash app there was devices logged into my cashapp

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal wont let me take my money off my account they have been holding down my money for over a year, i tried multiple times to fix this then they told me to place a call which i did and i was told a check would be sent to my address and they never send it, and i kept calling and calling the just keep whining! payment was received in my paypal account XX/XX/2020 email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: EQUIFAX, INC.
State: HI
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 and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page XXXX of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company keeps buying insurance on my behalf even though they have a copy of my insurance documents. I have called and fixed the problem about 5 times in the last two years but every few months they purchase insurance on my behalf and automatically withdraw and extra {$400.00} in automatic payments. They owe me almost {$1000.00} and it takes about 1.5 hours to get someone on the phone every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: MI
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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name- XXXX XXXX Account # - XXXX Account name- XXXX XXXX  Account # - XXXX Account name- XXXX  Account # - XXXX  Account name-XXXX  Account # - XXXX Account name- XXXX Account # - XXXX Account name- XXXX  Account- XXXX Account name- XXXX Account # - XXXX Account name- XXXX Account # - XXXX Account name- XXXX XXXX Account # - XXXX Account name- XXXX XXXX Account # - XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-06-04
Company: Experian Information Solutions Inc.
State: TN
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:
I recently paid Experian for my full credit report. Unfortunately I had to sign up for a monthly service which I did not want. The only way to cancel it is to call, which I have, but they refuse to answer the phone.

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 2019-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
XXXX and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page XXXX of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2017-09-24
Company: Experian Information Solutions Inc.
State: LA
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:
On XXXX2017 I sent in ( certified ) debt validation letters on behalf of myself, to all three credit bureaus. As of today, it is XX/XX/XXXXand I have yet to get a response regarding the matters on my credit report. It is well over 30 days, now entering the 60 day mark and past the grace respond period time. I am now requesting that all collections be removed from my credit report due to negligence by the companies to respond to my request in a tactful manner. 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 2019-09-10
Company: EQUIFAX, INC.
State: MO
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 and XXXX  are reporting incorrectly ( 120 ) days late on the DPT ED/XXXX accounts. ( Please see pages 3 10 of the credit report and spreadsheet of accounts attached. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have requested on four separate occasions to have my escrow money returned to me. I was told on the first phone call that it was lost in the mail and I needed to wait thirty days to have the check reissued. After thirty days I called and they said they would mail it out again. After an additional thirty days I was told that it was never sent out by accident ( something internally wasn't done correctly and it wasn't processed per the rep I spoke with ), and it would be sent out again. Thirty more days have passed and I was told " they were behind because of Covid-19 '' and to keep checking back. This came from a supervisor. This is ridiculous as the money should have been returned to me back in XXXX of 2020.

Company response to consumer: Closed with explanation