BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-12
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I advised Americollect back in XX/XX/2020 that I was a victim of identity theft and that the debt was not mine. I have submitted them a copy of the police report. They have yet to remove the debt. Also, they are reporting negative to all 3 bureaus and I have submitted the company and the credit bureaus a copy of the police report. This is detrimental to my job and livelyhood to keep a clean credit file. I have done my due diligence, supplied all documentation and yet they are giving me a hard time and impacting my credit over a debt that does not belong to me. I want this item removed ASAP from all 3 bureaus and Im filing a complaint with XXXX, FTC along with CFPB for unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The convergent outsourcing/XXXX  XXXX collections that is on my credit report is not supposed to be on my personal credit. 
It was a business account. 
Also the statue of limitation is up ; XXXX charged off my account 1 year before they sent it to collections ; therefore the collection is over 7 years. Yet I still had to pay to get it updated and not even removed. Isnt this illegal? 
Ive disputed this account 4 to 5 times on XXXX and XXXX, before I finally got an update and ITS still on my credit. I am in the middle of a mortgage approval and Im ready to sue for the inconvenience that this is causing. I would like this collection removed ASAP.

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 2020-06-27
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When PHH MORTGAGE took over our loan from OCWEN last year, I set our mortgage payments up on auto draft so there would never be any problem with this company getting our payment on time. THEY cancelled my auto draft stating that we were not allowed to do that. The reason they gave was that we were under Chapter XXXX bankruptcy. They charged me a {$7.00} fee to make my payment that month and I had NO CHOICE to pay it because I HAVE NEVER made a late payment on this loan, ever. Since then, I have made all my payments for free online every month. I just went on their website to make a payment and now they are automatically charging me that {$7.00} fee to MAKE MY OWN PAYMENT ONLINE! HOW IS THIS FAIR??????? They refuse to take my auto draft payment and are now charging me a fee every month to make my mortgage payment. I have tried to refinance this loan but NO ONE will take our loan because the balance on it is under {$100000.00}. HELP ME PLEASE???????? This predatory lender has us bent over a barrel. I am unemployed and we are barely making it through these COVID-19 times but we ALWAYS make our mortgage payment and have NEVER MISSED IT. How can they keep punishing us like this for paying our bills in full and on time every month? What are we supposed to do?? THIS IS WRONG!!!!! Please, please help us???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
My fiancee and I closed our joint account with Santander Bank on XX/XX/XXXX, to move our assets to a new financial institution. On the XX/XX/XXXX, they told us all future banking would be stopped and the checking and savings accounts would be closed. However, on XX/XX/XXXX, the Santander bill pay system sent a check for {$39.00} to XXXX NJ. On XX/XX/XXXX, I received a notice stating that my account was delinquent and that the {$39.00} would be sent to collections.The payment should never have gone through because the account was closed. Santander Bank Customer Service has refused to assist me over the phone because they can not verify my account ( since I no longer have an account ). I tried to resolve the issue in person as the customer service representative recommended, I went to the XXXX XXXX XXXX XXXX, PA XXXX Branch ID : XXXX and they told me the only way to resolve this issue was to contact customer service.

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 2021-09-03
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX ... XXXX XXXX ... XXXX XXXXXXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Genesis FS Card Services, Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX ... XXXX XXXX... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX, XXXX and Trans Union are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: AR
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 called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Did not even know about the debt initially until I was applying for a credit card and it came on the report. The debt was an invalid debt from the apartment complex and I was speaking with them when my lease ended in XX/XX/XXXX to settle it. 

Once I found out about the debt, the address that was shown on my credit report was not the address their office was located for any resolution letters to be sent so there was no way to contact them by certified mail. I did more research on the company and found out they have a different address that is not listed on the collection reports and it was the correct address. I requested them to validate the debt around XX/XX/XXXX, which they agreed to not report the debt for the period of time they were validating it because they needed more than the 30 days in order to do that ( it never stopped reporting on any of my reports during that time frame ). When they validated the debt all they provided was the receipt for the apartment complex that used to own the center I was residing at ( which that company is n't even there anymore ). The amount that they stated was owed was approximately {$260.00}, but for some reason the collection amount they said I owed was {$290.00} which was invalid. 

After I received all the information and discussed with them how everything was invalid they still continued to report the invalid information. 

XX/XX/XXXX I contacted my attorney to communicate with them in order to get this issue resolved and the invalid account removed. They resolved the debt, but the account is still reporting negatively and inaccurate information.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX, I applied for a {$5000.00} from NetCredit ( XXXX, Illinois ) that was approved and directly deposited into my checking account. I started having payments debited for {$260.00} monthly starting on XX/XX/XXXX ( XXXX of each month ). Ive paid over {$3200.00} to NetCredit and still owe a balance of {$4900.00} as of XX/XX/XXXX. NetCredit is a Predator Lender and a XXXX XXXX XXXX in violations of Georgia PayDay Lending Laws. This wasnt disclosed. I need help to avoid being taken advantage of Financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Paypal Holdings, Inc
State: TN
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX the IRS deposited {$1200.00} dollars in my PayPal account and PayPal told me it would be available in 3-5 business days but now its been 11 business days and still nothing, I'm not the only one there's are 10's-1000 's customers with the same problem all over the US that deal with PayPal cash card some been waiting since XX/XX/XXXX for PayPal to deposited our funds it really doesn't make sense to us where is our money and two i even went back in the IRS portal to make sure the information was correct ( routing numbers and account numbers ) and it was and paypal keep saying for me to get in touch with the IRS that its not they fault ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I never received nor applied for this loan. I contacted them and the credit score people to no avail. I need this corrected and removed from my credit report.

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 2019-08-24
Company: LendUp Loans LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received an alert from XXXX XXXX on XX/XX/2019 at XXXX XXXX stating that my Lendup account is delinquent. I was shocked to say the least because I checked this account a few weeks ago, and it stated my next payment due date is XX/XX/2019. Today is only XX/XX/2019, so no payment is due as of yet, but it's reflecting as delinquent, although I made two payments last month on XX/XX/2019 I made a payment of {$190.00} and XX/XX/19 {$97.00}. And from then on, my next payment due date always reflected XX/XX/2019, so why is my account status being reported to the credit bureaus as delinquent? Please fix this and update my account to current with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have contacted TransUnion on several different times including today XX/XX/XXXX. I Have been contacting them because I am a VICTIM of the " Inquiry Issue '' I have been trying to get this issue resolved for many months now. All i get is the run around and promised phone calls to have the Inquiries removed from my credit report. I you look at the dates on all of these hard Inquiries there is a pattern.

Here are a list of the Inquiries that were supposed to be removed but have not : XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX,XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX,XX/XX/XXXX) XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX ) XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX ) XXXX (XX/XX/XXXX,XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX   ( XX/XX/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 2021-09-03
Company: EQUIFAX, INC.
State: GA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've tried to pay this debt. On my credit report I have three different debt accounts from this debt collection company. One debt say XXXX, {$180.00}, and {$70.00}. However, when I call they say I them owe {$1000.00} for medical biils. I refused to pay them because I'm only responsible for what's on my credit report. What they're doing is illegal. Someone has to call them, and prentend to be me, so you'll get to the truth!! I'm only willing to pay what's on my credit report, and that's it!! Here 's their information EVERGREEN PRO RECOVERIES XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX ( XXXX ) XXXX. 
I've tried a couple of times, but they claim that I owe them {$1000.00}, but my credit report states a different amount.

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 2018-06-06
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a 15 year fixed mortgage with Santander Bank. I paid off the full balance on XX/XX/XXXXbut the XXXX tax document of XX/XX/XXXX never arrived. I called Santander bank and was transferred to the new servicer. The new servicer said that they took over in XX/XX/XXXX and could not find my information based on provided loan number, name and property address. No help provided despite the follow up.

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 2021-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
They closed my account on XX/XX/XXXX and i submitted a complain with you guys. Then XXXX XXXX contacted me and told me that he will re open my account. then on XX/XX/XXXX, he send a response denying me my account to be re open. I tried too many times to contact him and he never reach out back to me. the only time we spoke he was racist and discriminated me saying he couldn't understand my accent.

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 2018-08-01
Company: GreenSky, LLC
State: IA
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:
XXXX client, XXXX XXXX is a victim of identity theft. While reviewing his credit reports he found a fraudulent related inquiry from Greensky made into his XXXX, XXXX  and XXXX   credit reports, created XX/XX/2018. An account was established using his information without his consent. An official dispute of this account was mailed to Greensky however stated the information used to hold Mr. XXXX liable for this account was an address that matched the address we provided for dispute and a phone number. A police report was provided as well as FTC fraud affidavit. My client has also had a fraudulent account established with XXXX in the amount of {$5300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We recently sold our home which started out as XXXX XXXX XXXX, now PNC. We received a refund check for pmi insurance for {$560.00}, but could n't cash it because it was in the banks name. Several phone calls they explained that was a bulk check and we were getting {$6.00} back from that. I have the original documents signed when I bought the house, and it shows for PMI insurance my maturity date is XX/XX/2017. That probably was correct except I opted to do the twice a month payment when I got the loan. Because of that I was at 53 % at closing. Well below the 78 %. I know what it shows by what I signed, but the numbers do n't lie. 53 % is 53 %. PNC is standing by what is signed not actual numbers. I also would like to know what PNC rule is for flood insurance, they have had me pay for a total rebuild, not for the loan amount like other banks? I have been in contact with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off Conns XX/XX/2020. After that in XXXX my wife and I started the process to build our dream home. In that process we found out Conns was still open. We then provided our builder the receipts showing we paid Conns then in XX/XX/2020 I received a call from Conns indicating they were attempting to collect a debt. I informed them that the account was paid in XXXX. After being on hold they realized it was and they will make a note. Two days later I received a call again this time Conns collections put a ticket for the issue to be resolved and it would not affect my credit. Well inXX/XX/2020 30 days before closing we being the closing process and Conns is showing I have a past due balance of {$600.00}. I called Conns and again they apologize and will put a ticket. Well every week I have had to call because my loan officer wants a letter from Conns indicating the account is paid in full or that the account has a XXXX  balance. Each time I call they say they cant do that but they will send the request to corporate so they can provide something in writing and I should receive it within 24hrs. Fast forward my wife and I are unable to close on our house and this is the second time my closing date will be pushed because of Conns in capability to provide us a letter even though they acknowledge that our account is paid off. In addition my credit score dropped 95 points because Conns put me in collections. I have had a XXXX  since Thursday XX/XX/2020 to move and now I am paying over {$500.00} to have this XXXX  and I still havent closed on my house. I called Conns again today XX/XX/2020 because I was supposed to close today and they indicated that they were sorry but the only thing they can do is send another request and open another ticket to get the issue resolved. We are going over 6 months since this account has been paid off and nothing has been done but ruin my credit and stopped my family and I from moving into our dream home.

Company response to consumer: Closed with non-monetary relief