BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-29
Company: Continental Finance Company, LLC
State: OH
Product: Credit card
Issue: Other

Complaint:
This compliant is in regards to two late payments lodged on my credit report, via Continental Finance, the servicer of my XXXX XXXX, issued by XXXX XXXX XXXX XXXX XXXX XXXX, this company is falsely reporting two late payments on my credit file and not updating my credit report accurately and in a timely manner. In addition, this company is charging me an adsorbent amount on late fees and high interest on this account. This company has reported my account late to the credit bureaus on two occasions and refuse to remove this false information for XX/XX/XXXX and XX/XX/2016. I have been in good standing with this company and continue to pay my debt obligations in a timely manner ; I always pay multiple payments, averaging three times a month, outside the parameters of my monthly billing statement, so how could my account ever become delinquent, or past due, the probability is very highly unlikely. Please have this company remove the false entry immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: LEXISNEXIS
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was denied the best insurance rate by XXXX which relied on a report from LexisNexis. I contacted LexisNexis and requested a copy of my consumer report and referenced the inquiry from XXXX as the reason for my inquiry. After some time, LexisNexis wrote me informing me they could not authenticate my identity which is strange given they did so to XXXX. Thereafter, I completed another request for my file online. This time LexisNexis sent me an email asking to click on a link in order to verify my email address ... .however the link they sent does not work and returns a message that an error occured ... .once again quite strange. 
Clearly, LexisNexis is making it difficult, if not impossible, for me to access my file by claiming they can not authenticate me and then sending a broken link. It is very unfortunate and illegal for them to behave in this manner. 
Simply, send me a copy of my file as per the law and stop placing undue burdens in the path of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: United Shore Financial Services, LLC
State: IL
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:
I have a mortgage loan from UNTD WHL MTG, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called UNTD WHL MTG and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and UNTD WHL MTG with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently paid a debt of {$160.00} from 2012 against my principles to the XXXX XXXX of properties, specifically the XXXX at XXXX XXXX. The reason for this charge was because they raised my rent, converting me to a month-to-month lease while I was on XXXX XXXX with the XXXX XXXX stationed at XXXX XXXX, MD. I was in the XXXX Transition Unit at the time, recovering from XXXX. My orders were modified three different times, altering my discharge date. I informed the front office of this and provided a copy of the orders. I offered to sign a lease, but was told it was n't necessary since I was in the military. Later, the property manager informed me that since I had not renewed a lease that I was to be placed on a month to month basis at a higher rate. I informed her at the time that I offered to sign a lease but was told it was n't necessary. This debt still exists because I do not agree with this business practice. I have certainly had the means to pay, but I felt it was wrong and also it is in direct violation of the Servicemans Civil Relief Act, which is supposed to prevent companies like XXXX from taking advantage of military members that are being housed temporarily due to military service. Unfortunately, my financial well-being has been damaged for too long as a result of this, so I am reluctantly paying the {$160.00}. I 've reported this behavior previously without it being resolved. The XXXX XXXX should be ashamed to earn money in this bait-and-switch fashion. In my opinion they should be investigated ; violations of SCRA are criminal penalties. Taking advantage of members of the military is about as low as it gets.

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 2021-08-31
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had previously filed a complaint against Resurgent Capital LP. I was alleging that Resurgent Capital created a fake debt to scam me into paying it. Resurgent replied to my complaints with documents they claimed proved the debt was valid and was mine. The documents resurgent Capital Supplied to validate this debt they claimed came from the original creditor which is XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  prior to filing the complaint to inquire about the alleged debts.XXXX XXXX XXXX  sent me a letter saying they had no knowledge of this debt. I lost that letter so I contacted them again and again requested they supply me with information about this credit card I allegedly applied for, received and used, XXXX XXXX XXXX replied to my request and sent me the enclosed letter. ( see attachment XXXX XXXX XXXX  removal ). In this letter XXXX XXXX XXXX  themselves verify that I never applied for, received or used this alleged credit card. The account that Resurgent Capital Is claiming that I defaulted on with XXXX XXXX XXXX  ends in XXXX. ( See attached Resurgent Reply CFPB, ). XXXX XXXX XXXX themselves have verified that this account ( ending in XXXX ) that Resurgent Capital made up to scam me into paying {$800.00} is not my account. They ( XXXX XXXX XXXX  ) have validated my claim that I never applied for, Used or received this fake credit card that Resurgent Capital made up to scam me out of money. Please verify the letter with XXXX XXXX XXXX  if you dont believe it is Genuine. I never had a credit card with XXXX XXXX XXXX  in 2016. I do currently have a credit card ( Unsecured ) with XXXX XXXX XXXX  that is in good standing. I request that Resurgent Capital remove their trade line from my credit report and stop any and all collection efforts against me for this fake debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: North Shore Agency, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter stating that I owe {$20.00} for XXXX issues of XXXX. I received mail from XXXX unsolicited and did not subscribe to this publication. I did not receive their magazine and am not interested. I do not owe them any money. 

The debt collectors are called : North Shore Agency XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX Ph. XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
When we applied for a home equity loan, our bank contacted XXXX XXXX XXXX to do a search. We were called by the bank and told that company said there are XXXX liens against us. I knew that was wrong so I called the courthouse and had copies of the judgements sent to me. It only took me one minute to see that the only thing that matched was my husband 's name. Birth date, address and SS # were all different. I called the XXXX XXXX XXXX company and asked if I could send them proof that these liens were not ours so they could correct their records. They told me no because I am not their client and that I would have to go to the bank and have them correct it. I asked how they could make XXXX such errors and a manager, XXXX XXXX, told me that all they do is match a name to a county. They do not check further unless their client ( in this case my bank or their underwriters ) requested it. So I went to the bank and the manager said they simply have us sign a form declaring that those liens are not ours. They do nothing to correct the error or remove those liens from our report. I asked her to help me find a way to correct this because we did not want our name connected to these offenses. She said she would pass our request on to the underwriters. The underwriters accepted the document we signed declaring the liens were not ours but were n't interested in clearing up the error. Why would any company be allowed to attached lien information based on name only? We live in a small town and there are XXXX or XXXX men that we know of with the same name as my husband, XXXX. I ca n't imagine how many there are in the whole county. The manager at XXXX suggested we were lucky there were only XXXX. That 's XXXX too many as far as I am concerned!! If I had not been such a good customer and well known in our bank, this information could easily have been used to deny us a loan. Someone should be responsible for correcting this but so far no one accepts or cares about it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was late on paying my statement balance for XXXX XXXX by 3 days. Payment of {$1800.00} was due on XX/XX/XXXX but I made payment on XX/XX/XXXX. I also made full statement balance payment of XXXX for XXXX Statement before XX/XX/XXXX due date. 

Today I got charged {$25.00} as interest charge even though I am paying full statement balance every month, when I reached out to Chase credit card customer service I was told that this charge is residual interest for the the time I was late on my payment ( explained above ). I verified with the chat person that this charge is not for the three days I was late by but the " balance '' gets carried forward to next month and that even though I made full statement balance I was charged interest on it. 

I believe this practice is not right. I should be charged " residual interest '' for the 3 days I was late by but not the entire month. Please take a look at this. I can provide statements if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-23
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
While checking my credit report I noticed a collection account from a XXXX XXXX XXXX stating that I owe {$500.00} from an Ace Cash Advance. I have had dealings with them in the past after I had received several spam/fraud emails from another collection agency XXXX that was threatening to " take me to the courthouse if I do not pay '' I asked for proof of the debt being that I am a victim of identity theft in past. The never sent me any proof of the debt. I filed a complaint with my states attorney General, and they stated that the emails I was receiving were fraudulent. I also filed a complaint with the CFPB. After this, and not receiving any feedback from any XXXX, I thought the matter was closed. Now this collection agency XXXX XXXX XXXX has placed this account on my credit report which has caused my credit score to drop nearly XXXX points! I am in the process of looking for a home to rent and this has severely affected my chances of getting approved by potential agents/ landlords. I have sent letters to all " collection agencies '' that are claiming to represent ACE cash advance with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Credit Reporting agencies are reporting incorrection information. XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt.XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. I recently checked my credit report and noticed an unknown debt on my credit report. This negative account in the amount of {$160.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP.

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 2021-08-31
Company: Experian Information Solutions Inc.
State: NY
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 a victim of identity theft. I learned that my personal information was used to open an account at XXXXXXXX XXXX XXXXXXXX on XX/XX/21. I did not open or authorize this account. I filed a police report regarding this identity theft crime. 

Over the past three months, I have disputed this account with Experian several times. XXXX XXXX  XXXX sent me a letter on XX/XX/21 which states that the account was opened fraudulently, and I am not responsible for payment on this account. In the last dispute, I uploaded following document to Experian between XX/XX/21 - XX/XX/21, but Experian still refused to move the fraud account from my credit report. 

Copy of the statement from XXXXXXXX XXXX XXXXXXXX Copy of the statement of fraudulent application for XXXX XXXX XXXX Copy of the police 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 2015-10-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently being considered for a loan modification and have provided all my paperwork to my mortgage company ( America 's Servicing Company ). They are telling me I am in the final stages of review but that I have a foreclosure sale scheduled on XXXX/XXXX/15. I need help getting the sale postponed so they can complete the modification review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-21
Company: The CBE Group, Inc.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have an unverified account from CBE GROUP. I had previously disputed this account. I have never done business with CBE GROUP pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CBE GROUP Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE GROUP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Rushmore Loan Management Services LLC, a debt collector and servicer of the mortgage, on several occasions have authorized XXXX XXXX XXXX, to change the locks on my property. XXXX XXXX has illegally locked me out of my home, by breaking the lock, entering the home, removing valuable items, clothing, jewelry, removing food from the cabinets, etc. and replacing the lock on several occasions, leaving me unable to enter the property upon return which is late at night. I 've had to sleep in my car because of the illegal lock out. I 've replaced the lock at least three times in the past four months, at a total cost {$75.00}. I 've called and spoke, to both XXXX XXXX XXXX, the party who does the lockout and Rushmore to the manager on the account. The first lockout, I changed the lock and entered my property, which was then removed. On the second occasion, I called XXXX XXXX XXXX to inform them that the property is not vacant or abandoned. I was referred to Rushmore. After speaking with the manager on the account, he advised that I meet with their representative at the home and provide identification prior to be given the keys from the lock box to enter my home. I could not meet with them since I would have to leave my job to do so, and to be on their time frame. So upon return to my property, I again changed the lock and entered my home. This was again replaced by XXXX XXXX on XXXX XXXX, 2015. I have since replaced the lock and have placed trespassing signs on the property. Furthermore, on XXXX/XXXX/15 I have written a Cease and Desist letter to both Rushmore and Field Asset Services. The home is in foreclosure, but the debt collector has not proven that it is the proper party in the case, thus, the case has stalled and there is n't any activity on the case as of to date, and there is no judgment. This is very stressful and uncomfortable, because when you leave work and decide to drive 2 hours to get home and find the door lock changed, and you have to sleep in the car, as I 've had to do, this illegal activity must be ceased. I am hoping that Rushmore and XXXX XXXX XXXX comply with the Cease and Desist letter. I hope this agency can be of assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Ditech has called everyday for four days ( Tuesday, XXXX XXXX, 2016 - XXXX XXXX, 2016 ). I advised each caller that I had already spoken to someone in previous days. Today, I got two calls within two minutes of each other ( XXXX and XXXX ). Based on previous experience with them - especially with the representative XXXX 's manager -, I believe Ditech is purposefully harassing me to to force me to make promises of payment that I am not certain I can keep at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10
Company: ECMC GROUP, INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
In 1998 I applied for a Parent Loan for {$3000.00} for my daughter who was attending XXXX. 
I was denied the loan, never received any funds. There are now XXXX loans reporting on my credit bureau reports as in default. The loan amounts reporting are in excess of {$12000.00} for XXXX loans. I have asked for copies of the original disbursement check, however I only received a copy of XXXX loan application. These loans are not mine and reporting in error. 
I request this be corrected and removed from my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX reported 60 days late payments to the credit bureaus, for missed payments that are the result of their billing systems errors. My account has been set up with the XXXX XXXX Auto payment that pays {$100.00} on the XXXX day of every month. In XXXX and XXXX 2015, the Auto Pay feature failed, and XXXX XXXX has not been able to determine the cause of this problem. I am requesting help to expedite XXXX XXXX process and timeframe for removing the erroneous late payments from my reports with all of the credit bureaus.

Company response to consumer: Closed with explanation