BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-02
Company: ProCollect, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attempted to contact the regional supervisor over the property, XXXX XXXX XXXX XXXX, that is claiming the debt against me via fax and phone on multiple dates over the last two months. The first attempt came on XXXX/XXXX/XXXX, after trying to contact the parent company XXXX XXXX on XXXX/XXXX/XXXX and was directed to resolve the issue directly with the regional manager. I contacted the office again XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Every time I was told this individual would call me back and never did so. I sent over a fax the last week of XXXX and received a confirmation that it was delivered successfully. I have also attempted on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and again XXXX/XXXX/XXXX through both phone and fax between these dates to provide documents which prove that a debt is not owed and none of these parties will consider the evidence that proves this, instead I have received forged documents that have copied my original signature and applied it to a document that I was never in possession of. I had a lease for a one bedroom apartment with a clean move-out checklist that showed now charges were due and no repairs needed made to the unit, but the document they provide that claims I owe a balance is for a two bedroom apartment. I did not rent a two bedroom and I have the clean move-out checklist/zero balance bill to prove it. Pro collect has contacted me repeatedly and refuses to provide me with proof that the debt is owed, instead only sending billing statements which claim my balance is due within a day of receiving the billing statement. I have provided evidence and they have confirmed receipt but will not accept it as a zero balance and they refuse to provide any proof that I actually owe the debt following my faxed dispute. They are trying to collect a debt that they are not owed and I can provide the document to prove it, which I have provided them on numerous occasions. In addition to billing me incorrectly after claiming I owed nothing after a walk through of the unit followed by the signing of the move-out checklist with the zero balance, they failed to provide me a copy of the bill they chose to forge within the 30 days they had to do so as outlined by Ohio Statutes.

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 2017-07-14
Company: National Credit Systems,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: Their investigation did not fix an error on your report

Complaint:
I 've sent in certified letters for at least 4 months to get a frivolous statement or letter saying verified. By law it is required to investigate the consumers credit with authorization of the consumer and the credit bureau and creditor must have a signature of mine but theirs no documents shown that and the credit bureau and the creditor falsely agree to verify without and reliable documents. The information is inaccurate and false. I have been suffering a great deal of pain and I am truly XXXX XXXX that an error on my credit report has cost me a great deal of pain and suffering. A measly credit error has ruined my life and the next step is to file a civil suit with XXXX XXXX, XXXX XXXX XXXX and XXXX. Verbal verifications can not verify information or documents, without consent of the consumer their should n't be no verification. Both the creditor and credit bureau had broken several FCRA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: SLM CORPORATION
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
My name is  XXXX   XXXX   ( da ughter- XXXX  ), we called Sallie Mae on  XXXX / XXXX /  XXXX   and applied for a Smart Option Student Loan and was approved for {$10000.00}, which aligns to my daughter 's school obligations. We chose the Fixed-Deferred option with an interest rate of 9.827 %, which we were quoted and told that would be on the document when we went online to e-sign/accept the terms. Nothing was mentioned of APR during this conversation, at all! When we finished the call, my daughter and I signed onto our accounts to each complete the acceptance/e-signing process. I noticed right away that the Deferred-Fixed option was chosen, but the interest rate indicated a 10.38 % and no mention of an APR. I called customer service back and asked why I was seeing on screen the 10.38 %, and not the 9.827 % I was quoted/accepted over the phone. Neither the representative on the phone nor their supervisor ( when I asked to speak with after th e 3rd time being put on hold because she did n't understand, nor could explain why I was seeing the differe nce ) could explain why this was happening. The supervisor was very empathetic saying that he totally understood what I was asking and agreed, but when I asked why this was he could n't explain it! I 've accepted the current rate, because he reassured me that the true rate was 9.827 % ( only because we are at the deadline of having to secure my daughter 's spot at school ), and that I was going to be contacting the CFPB to intervene. I asked the supervisor if the 9.827 % was the rate with the 10.38 % being the APR, and he said he could n't tell why, but that they had to show the 10.38 % online due to a law. This does n't make any sense at all and need help in this matter! I do n't want my daughter having to overpay on a rate that was quoted but misrepresented.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Prosper Marketplace, 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 status incorrect

Complaint:
My Prosper installment loan is reflecting as open with a balance on my XXXX XXXX credit report when it has been paid off and closed for more than 60 days ( XX/XX/2017 ). My XXXX report shows it correctly with a status of paid and XXXX balance. I have tried to correct this directly with XXXX XXXX however, twice now they have come back and said that Prosper is confirming that the loan is open with a balance. I have attached a paid in full letter from Prosper confirming the installment loan is paid off which is a contradiction to what XXXX XXXX is saying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: Experian Information Solutions Inc.
State: MD
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:
Experian has reported my credit card account with XXXX XXXX as 60 days delinquent, which is inaccurate. 
Date : XX/XX/2019, XX/XX/2019 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 explanation
Consumer complaint received 2022-02-10
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear CFPB, please assist me in collecting my proper pay from XXXXmpac Mortgage Corp, XXXX # XXXX. I worked for Impac from XXXX - XXXX and from XXXX - XXXX. On XX/XX/XXXX they furloughed me when I had a XXXX loans in process. The company then made a back handed deal and got paid for my loans by a company called XXXX, and tried to pawn me off to XXXX to re-do all my loans for a second time. I asked Impac to pay me for my loans, and they refused. I was even willing to accept a {$15000.00} lump sum for my loans which would have paid over {$40000.00} had they not furloughed me and Impac became very aggressive and cruel in how they responded to me. Their legal department made threats and accusations against me and even tried to get me fired from my job at the time at Owning. Their CFO reached out to the owner of Owning and requesting that he fire me. They have now began making false statements claiming that the CFPB took a position in their favor when I raised my issue in the past. I have attached the emails between myself HR and counsel for Impac. Please take the corrective action to persuade Impac to do the right thing and compensate me for the loans I originated, most of which had final loan docs drawn, signed or generated. They have had many complaints from former employees against them as they are very anti prior employee and utilize a lot of bullying in their tactics of dealing with prior employees.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: DISCOVER BANK
State: MD
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:
Discover Bank, NA continues to report this debt as being active and new to my credit report which stops me from attaining new credit and causes me harm and distress. I have contacted Discover where they claimed they will remove the account from my credit report and will do so however after about 30 days will show up again. <P/>Because of their derogatory reporting it has been very difficult to get my life in order. One representative informed me that sometimes it is just our job to make sure your life is n't easy because you do n't get to get the easy route when some of us have it hard. Discover is reporting to XXXX  This issue with Discover has been going on for several years and the great hardship it has caused including extra lengthly investigations into my background checks for the renewal of my clearance has not been easy and very stressful. <P/>As one of their employees informed me we do not exactly care, because it does not afect us in the slightest bit. According to the system the call may be recorded for quality and training purposes, however I do not know if it tuly were.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
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: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$250.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 11 and 12 of the attached credit report. ) I never received any service from XXXX and I was told by the representative that there would not no charge however, shortly thereafter I received a huge bill in the mail. I immediately called and told the representative that this bill was submitted in error and I again asked why I was I being charged to pay for a service I never received. Because they apparently still had me in their billing system I requested they cancel the account. After cancelling the account I received a letter from XXXX stating if I didnt make payment arrangement to them they would be sending this account to collections. I called and told them this account should NOT go to collections because I never had service and therefore never had an account. They would not honor their previous commitment to not send this account to collections so I had no choice but to make payments to XXXX to avoid any collection. I set up payments of {$25.00} per month to be automatically withdrawn from my account until this was paid-in-full. I was making the scheduled payments and ( 90 ) days later I received the collection paperwork in the mail. I called the collection company and told them about the payment arrangements I had made with XXXX. They told me to turn around and call XXXX, which I did. XXXX told me that the account wasnt resolved and paid-in-full within the ( 90 ) day time frame, so consequently they sent the account to collections. I informed XXXX  that I was never told about the ( 90 ) day time frame and that we had made arrangements to pay this account off at {$25.00} per month until paid in full and that the account would NOT go to collections. XXXX did not honor their agreement and sent the account to collections regardless. XXXX never provided me any service however, they still were able to force me into paying them money they were never intitled to by threatening to send me to collections if I didnt pay them. I agreed on the terms of the monthly payments and they lied and sent me to collections anyway. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove this however, I have not been successful.

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 2019-10-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX Chase phoned me to say they were concerned about fraud on a recurring rent check. The check was deposited then returned. I begged them to let it be redeposited. They Refused although I know it could. I purchased a cashier 's check to replace it then the check Chase stopped cleared also. These tricks and games I am out {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
I have repeatedly sent letters to XXXX, Transunion and XXXX   regarding the incorrect addresses that are reporting on my credit report. It should only be one address reflecting where I currently reside and that address is : XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. Please contact these bureaus and tell them to comply with my request, I have sent my utility bill with a letter requesting removal 3 times now and nothing has been done. I also have a collection reporting with all three bureaus from XXXX. I know for a fact this is not my account because of the inaccurate opening date that is being reported on my credit reports. This debt collection company is reporting incorrect information on me of an account that is not mine and I want it removed immediately. 

XXXX XXXX ( Original Creditor : 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 2022-02-10
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX  XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2020-05-27
Company: EQUIFAX, INC.
State: VA
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:
I applied for a business loan with a company called XXXX. They asked me for business banking statements, and then offered me a loan at 80 % interest APR. They said the reason was due to " my personal credit score being below XXXX. '' Our business is a separate legal entity ( LLC ). 

I never gave this organization the authorization to access my personal credit report. I was never asked, and never told that my personal credit would be accessed. 

They violated my trust and accessed my credit file without permission, and now have caused my credit score to go down further, having done a " hard pull '' of my credit report from Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Confusing or missing disclosures

Complaint:
Bank transfer for XXXX asked for a reverse order and still nothing back since XX/XX/2021

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 2017-07-14
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage is being serviced by Seterus, Inc out of OR. I asked for a payoff on XX/XX/XXXX was told it would take 7-10 business days or less. When not receiving the payoff I called the Call center for Seterus and was told due to my account being a Chapter XXXX bankruptcy that the account would take sometime to get a payoff. I had previously received payoffs without trouble XXXX XXXX and in XXXX XXXX. I had secured a refinance from another bank and was near closing when I asked for this payoff.
<P/>
My bankruptcy was Discharged in XXXX XXXX. I have not missed any payments on this loan during the bankruptcy process or since and the loan was always secured 100 % by the property value therefore therefore there was not a " Cram Down '' involving this lender. However on all calls I have made in concern of this payoff the only explanation I have been given is that the delay is due to the bankruptcy, complications with Chapter XXXX XXXX  and a " Cram Down '' making calculations difficult. On one of the recent calls, XX/XX/XXXX I was told by the call center operator that she could see in my file that the accounting on my loan was finished on XX/XX/XXXX but thereafter the payoff was marked cancelled in my file. On all calls to inquire I have been told the supervisor was escalating '' my request and I still have not received the requested payoff. I have now lost my rate lock on the new and approved refinance.
<P/>
On XX/XX/XXXX I called XXXX XXXX XXXX  XXXX ( XXXX XXXX ) in XXXX  TX, who is the institution that owns my mortgage and uses Seterus, inc. to service and collect. I Spoke with a representative and explained the circumstances. He was very curious and asked good detailed questions to get an understanding of my circumstance. He said he was unable to circumvent Seterus, Inc. and give me a payoff direct from XXXX XXXX but he would do what he could to look into it from his end and contact Seterus, Inc. and that he respond back to me but told me he may not hear back from Seterus, Inc. for up to 15 business days.

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 2019-07-31
Company: Nicholas Financial Inc.
State: MS
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 I paid my vehicle loan in full to Nicholas Financial, for some time this account has had multiple reporting errors. Upon dispute of these errors in XX/XX/XXXX, the XXXX system obviously provided validation, and XXXX and or Nicholas Financial updated the account in addition in the results provided to me to state that the account status is 30 days past due. THIS is not correct, there is no balance on this paid account, and the current status of this account should obviously be reporting as PAID not 30 days past due. This is inadvertently dramatically affecting my reports and scores to appear as though I have a recent 30 day late payment. I have reached out to Nicholas Financial who claims that XXXX is the culprit in the matter, and to XXXX that claims that Nicolas Financial is the culprit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2017-07-15
Company: Coinbase, Inc.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Coinbase fraud. How are they still getting money from people? I am one of many ( according to on-line sources ). To not receive funds. What are the options?

Company response to consumer: Closed with explanation