BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-14
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have several issues with Equifax. Its bad enough you cant dispute things online. At least I cant. They make it nearly impossible on purpose. Theres more than a 50 point difference in my credit score. Equifax never seems to catch up with the others. Its bad enough they take such a long time to correct amounts on my credit report. Their so-called boost is ridiculous as my bank is not listed. Theyve known about the issue for a year and continue to blow smoke. They refused to change an address without me making copies and sending things to them in the mail which I do not feel comfortable with. No other agency including the Social Security administration and internal revenue has an issue but they do. Its bad enough they breached my information, and obviously cant be trusted, whats worse is they make it as hard as possible for me to log in to their site, and make me call to get anything done. I had to hold for one hour, only to be told they want copies of sensitive information to be mailed to them. So they can breach my data again?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Re : Unauthorized Credit Inquiry I recently received a copy of my XXXX, Equifax and XXXX   credit report. The credit report showed a credit inquiry by XXXX that I do not recall authorizing. I understand that they are not allowed to put an inquiry on my file unless I have authorized it. I contacted the bank to inquire about closing my auto insurance, savings and checking accounts. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have decided to close all of my accounts with this institution next month after i acquire a new auto policy with XXXX. I have already closed the savings account and will be closing the checking account via phone as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a XXXX XXXX account that handles all of my student loans. 

I had financial hardship was forced to put my account in forbearance. 

The most recent time was in XX/XX/XXXX and I had made payments in XX/XX/XXXXand XX/XX/XXXX - however in XX/XX/XXXX, after the forbearance period ended and I made immediate payments, XXXX still dinged my credit report which dropped my credit score drastically ( near 100 points ) - My account is in good standing - last time I talked to a XXXX rep I was told that I just had to dispute it. 

Please help. I know I had been behind on some payments in the past and these are student loans to a degree a never got. Im still in my late 20 ' and finally learning about credit, I am finally making a better income and just want to get my financial life on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Re : Unauthorized Credit Inquiry I recently received a copy of my three credit reports from Experian, XXXX  and XXXX. The credit report showed a credit inquiry by XXXX XXXX XXXX XXXX that I do not recall authorizing. I understand that they are not allowed to put an inquiry on my file unless I have authorized it. I contacted the bank by phone to close my secured credit card account but by no means should they have run a credit check just to close my secured credit card account. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail to XXXX XXXX because I need their prompt response to this issue but I have not received any responses. Please be so kind to have this unauthorized inquiry removed. 
I am closing all my accounts with the bank next month ( XX/XX/2018 ) and will no longer be doing business with them. I am going to file a police report for identity theft as well.

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 2018-10-03
Company: LEXISNEXIS
State: MI
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 have been disputing a bankruptcy with listed on my account XX/XX/XXXX with LexisNexis, XXXX, XXXX, and XXXX. I have also disputed an address listed on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX last date reported XX/XX/XXXX. I've sent in current copies of my driver licences and a Letter from the US Bankruptcy Court stating they don't verify those files. The companies keep coming back they verified the information and my files are frozen and be frozen since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
An XXXX credit card account was sent to an collection agency. I have officially disputed the accuracy of the account info in XX/XX/2019. I have yet to receive a response from Midland Credit. I am trying to resolve the account but they have not verified or updated the account info based on the legal time frames that have been established. I have made several follow-up call to Midland Credit but there is still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: RFNA, LP
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, XXXX and XXXX. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2018 my mother received a phone call ( which went to voicemail ) from XXXX for me regarding important legal paperwork that I needed to sign. My husband, XXXX XXXX, called them back on my behalf. He was transferred to someone who said their name was " XXXX. '' XXXX implied that a lawsuit had been filed against her regarding a credit card debt from Chase Bank that is more than 10 years old. He said we could go before the judge to dispute it. Originally, he said that he worked for a company called XXXX or something like that. He said the suit was filed by " XXXX XXXX XXXX. '' XXXX said that they tried to serve my wife papers at an address that she no longer lives at. They did have our current address, so why they didn't try that too is beyond me. 

My husband told XXXX that this debt was over 10 years old and well past the statute of limitations for collections ( which is five years here in Florida ). XXXX said that his company would send us some paperwork in the mail. When asked him for the contact information of the company he was calling on behalf of, he would not give it to us. He repeatedly asked for this, but XXXX refused and hung up. 

My husband called back and asked a woman who answered what company this was that he was called. She said " XXXX XXXX XXXX. '' He asked her to please spell that. She just repeated the name. He asked her over 10 times to please spell the name of the company, which she finally did. She would not give out any other contact information about the company. She then transferred him back to " XXXX. '' Keep in mind that XXXX said he worked for some other company that was hired by XXXX XXXX XXXX. XXXX refused to provide any further contact information and hung up. 

My husband called back again, but to a different number provided in the voicemail, XXXX, It went to the same place as the other number. He asked the man who answered for the address of XXXX XXXX XXXX, which he refused to do. Eventually, the man said that the company had " three offices '' and " which one do you want? '' My husband asked to know where the offices where so he could get the information on the proper one. The man refused and hung up. 

Everything this company is doing is illegal. EVERYTHING. We don't want a response from them, we want them shut down. If they were calling us from outside of Florida, they are most likely committing federal crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
So now the loans are showing I am delinquent when I was in deferment. I have discussed this Fed Loan and they claim they have no records. I have come across a deferment letter that should fit their needs. I want the pas due payments off since looking at this document should clear up any issues they have with missing information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For the last 10 years I've had my Federal student loan serviced by XXXX. Never did I have any issues with them. 

Last month they switched over to American Education Services or AES. 

AES sent me 1 letter saying the loan was going to switch to their company and that I shouldn't have to do anything additionally. 

I have automatic payments applied to this loan. {$240.00} comes out of my bank account on the XXXX of every month. AES took over my loan beginning of XX/XX/XXXX and they took out {$240.00} on XX/XX/XXXX as they should have. 

Then I noticed another charge of {$240.00} come out of my account on XX/XX/XXXX. There was no authorization and no notice of an addition payment to be made, it was very quietly taken from my account. 

After contacting AES they said there must have been an accounting issue on their end and it would take 7-10 business days to refund that payment. 

I contacted my bank to refund that payment immediately and was hoping to be done with the ordeal. Then, yesterday, XX/XX/XXXX I received an email from AES saying my account was delinquent and I owed them {$490.00} on my account. 

I contacted them immediately and asked them why they are requesting a double payment after having taken out my regular payment on XX/XX/XXXX. They claimed to have refunded both my XX/XX/XXXX payment ( which had already been paid ) plus the mistake they made on XX/XX/XXXX. 

Because of their mistake my account is now considered " delinquent '' which I've never had for the entire 10+ years of my loan. Not only do I have to make sure I have those funds corrected in my account but I have to hope my XX/XX/XXXX auto payment is taken out correctly and a double payment is not charged again. 

I did not want my loans to transfer to another company in the first place and I'm very disappointed with AES and their accounting practices, intentional or not. 

If these issues continue to occur I think American Education Services should be investigated for predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit report this morning and found that XXXX has resold an account to Sunrise Credit Service for an amount of {$300.00}. This debt was first sold to XXXX XXXX XXXX.and was closed out and removed from my credit reports through the CFPB on XX/XX/18, after the collection company admitted they could not validate this debt ( 5 certified letters with no responses ). Please see XXXX 's response below. I am requesting that Sunrise cease collection and remove tradeline from all three major credit bureaus, as no company has been able to do validate this debt as mine. 

Complaint # XXXX On XX/XX/2018, this account was closed with XXXX XXXX   and returned to our client, XXXX. We will request that our information for this account be removed from the credit reports as the account is no longer placed with XXXX. To ensure resolution in this matter please contact XXXX directly. We sincerely hope this represents a satisfactory resolution to your concerns. I would invite you to contact our Compliance Department for further assistance. Our number is XXXX or you may Email : # XXXX ; Kind regards, Compliance Representative at XXXX XXXX , XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: MoneyLion Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX i sent in a Cease to stop with drawling from my bank on XX/XX/XXXX XXXX responded advise it was honored. on XX/XX/XXXX Money Lion still with drew XXXX out of my bank and tells me my email was placed on another account that's why payments were not removed and now they can not refund my money after i spoke to a gentlemen who told me it was approved to be refunded i have all the documents proving i sent in a cease and it was placed on the wrong account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio recovery and associates is in violation of federal law. Specifically FDCPA section 809b. 
The company has been reporting inaccurate information to the three major credit reporting agencies without complete validation as required by law. 

I've submitted several validation letters to the company requiring them to validate what they say I owe ; The company has been trying to collect on two accounts that I am completely unaware of ; XXXX XXXX  ; and XXXX XXXX XXXX. 

The documentation received from portfolio recovery and associates does not match my identity, including inaccurate name ; inaccurate address ; and can not provide copies of original documentation of which may prove that I am responsible for these two accounts ; In addition I've asked the company to calculate full and complete accounting of what they say I owe which they have not been able to do ; I've asked the company to provide me with documentation that proves that they are able to collect the debt in my residency state of which they have been unable to do ; Because of the information provided above detailing the violations committed on the federal law, The company must cease and desist from contacted me on this matter ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My due date for my XXXX XXXX  issued XXXX credit card monthly payment was XX/XX/18. On the evening of XXXX, approximately XXXX, I logged on to make my payment. Although I did not know this at the time, the company has an XXXX EST cutoff to schedule same day payments, so I was forced to pick the following day as my date, so I was charged a late fee. When I called the company, they admitted that I have an excellent payment history with them, so they said they would take off {$15.00} of the {$27.00} fee. I replied back that the entire fee should be removed as I was not late with my payment- they said their policy was to " never remove late fees. '' This is a deceptive and fraudulent practice- by removing any portion of my fee, they are admitting fault. Why aren't they able to remove the entire fee? They are able to, they just don't want to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-02
Company: AmeriHome Mortgage Company, LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wanted to pay my mortgage ahead in case I ran into financial difficulty. I sent in two payments on XX/XX/20 and a third undue payment on XX/XX/20. This would have put me three months ahead. Amerihome Mortgage misapplied those funds to the principal instead of the payments. I have spoken to them three times and written them once and have not received resolution. Now financial difficulty has arisen and I need that three month grace period. I have been lied to and ignored. Their records reflect that they received the money and what happened to it but say it's my fault for sending it in without notifying them of what I was doing. I'm notifying them now. I can't make these payments. I need help. 

AmeriHome mortgage XXXX XXXX XXXX XXXX XXXX, new jersey. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
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 requested my credit report annually to check my credit status, reviewing the contents I come to across numerous reported debt that does not belong to me, I tried contacting the companies i got transferred around and never got actual person to help provide explanation / resolved how those accounts end up on my credit report. I strongly believe some unknown person got to my personal information fraudulently and used it. my goal filing this report is to have those delinquent accounts removed from my credit reports, at once i can get my good credit standing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: ECMC GROUP, INC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XX/XX/XXXX 2017 ECMC called my co-works and harasses my co-workers and manager. This is totally unprofessional and not acceptable. These actions must stop.

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 2021-11-03
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: Investigation took more than 30 days

Complaint:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/XXXX someone tried opening a XXXX XXXX credit card with my social security number. I immediately called all 3 credit bureaus and XXXX XXXX and reported the fraud. On XX/XX/XXXX a second credit card with the same company was attempted again using my social security number. I called a second time and reported the fraud. I also wrote a letter to XXXX XXXX and Experian to remove the hard inquiries on my credit report and froze my credit. I've now called again because now there are two addresses on my credit report that are not mine. This has hindered my credit and is absolutely ridiculous that it is now almost XX/XX/XXXX and this is still not corrected.

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 2020-05-14
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made my XXXX mortgage payment late due to being out of work since XXXX. I paid the mortgage to New Rez as soon as I received my stimulus check, since I was unsure about my future income. I have made the XXXX payment on time. I reached out to New Rez through 2 phone calls and an email. I was assured that my request to waive the {$42.00} late fee would be passed on and that it was something they could do, and that I would be contacted when it was resolved. I never received any call back, my email was never responded to, and several weeks later I have received a certified letter refusing to waive the late fee. I feel during these difficult times there should be some discretion on mortgage fees and also that New Rez failed to communicate properly with me.

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