BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Agent with company has come to home several times to collect money, she also sent a text saying a letter will be sent to my address today with the items they will be picking up. She stated either the company will pick up items or the Sheriff. I explained that I would give her some money but it wouldn't be the full amount because my mother had XXXX and I had to help her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: World Acceptance Corporation
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
World Finance Corporation issued {$1900.00}. using my social security number to pay someone a loan. They are reporting this uncollected balance on my credit report while it isn't my account. I only found this error when I noticed my credit score declining. World Finance Company hasn't reached out to me, and allowed someone to use my credit very very loosely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am enrolled in the credit card " opt out permanently '' protection program. " Chase for Business '' has ignored my enrollment in this program and continunes to barage me with Chase Visa card applications. Ive contacted them three ( 3 ) times asking them to stop sending me these application but they continue sending them. Can you help me stop Chase 's violation of my " opt out permanently '' enrollment?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
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: Personal information incorrect

Complaint:
Experian is reporting inaccurate and outdated information on my credit report that are tied to fraudulent accounts. 

These are NOT my names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are NOT my addresses : XXXX XXXX XXXX XXXX XXXX, GEORGIA 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 non-monetary relief
Consumer complaint received 2022-10-14
Company: Continental Finance Company, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was in another state seeing my children at their dad 's home. I lost my wallet including all my credit cards, Continential Fiance was used without my permission.

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 2022-11-09
Company: Central Portfolio Control Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello I received a text message from CENTRAL PORTFOLIO CONTROL INC stating that they have a matter in their office. I logged onto the website as stated and it lists a XXXX  account that is past due and in collections that I have no recollection of. Also, my address is incorrect as listed. I emailed the company at XXXX and asked that they provide proof of the debt and proof of my acknowledgment to them having this debt and their right to collect. I received an email back from XXXX XXXX saying that I needed to call the office to better handle this matter. I emailed him back and said I was weary of scams and that I would not be calling the office. He could please just provide me with the information I requested to the address on file they have. He that wrote back and stated " XXXX XXXX, I understand your concern with scams going on, unfortunately in my industry I am required to complete a verification process before I can disclose any information or provide anything in writing to you. That is why I asked you to call me. 



If you want to provide your current mailing address, and either the last 4 of your social or Date of Birth than I can proceed. '' I informed him again that I would not be providing that information as they should already have it on file and I was within my rights to request a debt validation letter be sent to the address they have. If the debt is indeed valid then they should have all of that information and it can be sent to me within the 5 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Credit Reports sent to potential creditors list SERIOUS DELINQUENCY. 
I have reports dating back XXXX7 years and there is no serious delinquency listed. 
I did try to call the reporting agencies, but they said there was no delinquency to dispute so nothing they could do.

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 2022-11-09
Company: EdFinancial Services
State: PA
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 was denied approval for a rental agreement because of miss-information present on my XXXX credit report regarding all my student loans with EdFinancial. 

It is stating " Payment Deferred, Collateral : Deferred to XXXX '', showing on 8 different Student Loans managed through EdFinancial " Opening Dates : Balance '' : XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$4500.00} XX/XX/XXXX : {$4000.00} XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I  fell behind on my mortgage due to medical reasons.I sent Diitech monthly payments and they sent them back to me. I requested a modification and Ditech to refuse to letting me apply for a modification. I have a schedu le sale date on   XXXX , 2017  that need to be cancelled

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, INC.
State: MD
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:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The credit bureau has inaccurately placed liens on my report that have been paid. The state has confirmed with me that they do not report to the credit bureau and that the credit bureau is placing the information on my report without verification from them.

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 2022-11-09
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my home with Pentagon Federal Credit Union ( PenFed ) on XX/XX/XXXX. In XX/XX/XXXX I was notified that my mortgage payment would increase monthly from {$2600.00} to {$4100.00} a difference of {$1500.00}. The increase in payment is due to Penfed assessing my taxes based on the land value of my home in XXXX ( XXXX ) not the sale price of {$560000.00} nor the appraisal value of $ XXXX. Per the documents my Escrow account XXXX payment was {$380.00}. The new assessment for the escrow ( ONLY ) is {$890.00} ( taxes-insurace-pmi ), difference of {$510.00} based on county assessment of my home @ {$570000.00}. Per the Annual Escrow Account Disclosure Statement the breakdown is {$510.00} PLUS shortage of $ XXXX {$1500.00}. 

My point of contention is specific to the additional {$1000.00} a month ( {$12000.00} for a yr ) Escrow shortage they are asking me to recoup. I would like for PenFed to forgive this amount as they incorrectly assessed the taxes on my home prior to the date of closing. In 18months I was never notified of any error or inconsistencies. This amount of money is financially impossible for me to pay ( {$4100.00} a month ). My closing disclosure, nor in my communications with Loan Processor/Title company ever disclosed this amount of monthly payment was ever in consideration. To date Penfed has acknowledged their mistake however have not offered financial responsibility for a mistake I had no way of foreseeing.

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 2022-11-09
Company: ALLY FINANCIAL 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:
XXXX has failed to remove this unfamiliar account from my report. I contacted XXXX and Ally Financial multiple times and ask them to send me the original document that I agreed to do business with this company ALLY Financial. Attached is the responds I keep getting in return from XXXX. They are just responding the account is verified but is not letting me know how the account was verified with no proof breaking my consumer law. After contacting XXXX and XXXX they understood and deleted this strange account. However, XXXX has yet to comply. Please delete Ally Finanical from my XXXX report Account number 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 2015-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
When my son moved out, the post office also forwarded mail in my maiden name and reported his apartment address ( XXXX ) on my credit report, but I never lived there and still live/own my house on XXXX XXXX XXXX Attached are current utility bills.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12
Company: AMA Advisors, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was sold to Homebridge from XXXX. After our escrow account was audited in XXXX, we received notice that we had over a {$3000.00} shortage, which is fine, however, they also wanted to add a {$2500.00} cushion to our account, effectively raising our fixed rate conventional loan mortgage {$450.00} a month. Despite multiple calls, and inquires, I was never given satisfactory information. Under my account online, it shows that there is no escrow information, so I am unable to keep up with PMI and other information. We asked to pay down our mortgage and dissolve our escrow account, they said that Homebridge 's " rule '' is that there are only XXXX states allowed to do that, and Texas is not XXXX of them. In XXXX place their website says that you can pay down your mortgage, pay an escrow fee, and not have an escrow account, another area of the website says " no unless specified by law. " We were never given solid information, just told we had to pay or else. No one could justify or verify anything. It is very scary.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: TekCollect Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Reported the same debt XXXX on my credit report. I satisfied debt, paid in full. They removed XXXX but failed to remove the duplicate error they caused. They are aware of their error and I have emails with them acknowledging that fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: SANTANDER HOLDINGS USA, INC.
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX was contacted by Santander Auto finance regarding a balance owed on old car loan. Car was repossessed in XX/XX/XXXX and sold at auction XX/XX/XXXX. We received a letter stating it was being sold at auction, letter stated if there was a balance remaining we would be notified by mail. No contact was made by any means until XXXXXXXX XXXX XXXXXXXX when court hearing paperwork was received by XXXX. XXXX, paperwork had court date listed and was addressed to him and myself. After several attempts to contact the company in question ( XXXX and XXXX ) I was told that all the agents available had no information on the debt only that it was representing Santander and the amount owed was over XXXX dollars. I requested company send me all information on debt multiple times and was unable to obtain this information before the said court date. Court date was rescheduled. After reviewing the information the agency had I reached out to them to inform them that the debt in question was over XXXX years old and the statute of limitations in the state of Oklahoma is 5 years. The agency has since stopped calling or sending mail but a new attorney is now listed on the new court date where they are trying to obtain garnishment. I do not owe this debt but if I did owe this debt it is barred by the statute of limitations and this agency is not within the legal time frame to sue for judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, INC.
State: WI
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: CITIBANK, N.A.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Lender ( OneMain Financial ) claimed late payments, despite being authorized ACH withdrawals on a specific date. Lender did not attempt withdrawals on authorized date on at least XXXX occasions, and then began charging late fees despite not taking the money on agreed upon date. Lender refuses to refund late fees, and continues to attempt to collect them despite the error on their part. Lender was given written notice revoking ACH withdrawal authorization, yet continued to withdraw money. Lender refuses to make the correction to the account and has initiated a harassment campaign including numerous phone calls, letters, XXXX letters, and calls to friends/relatives. This complaint is also being filed in conjunction with civil litigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
To whom it may concern, I am writing in regard to the below referenced accounts and transactions. Account : XXXX. This vehicle was repossessed by Santander Consumer USA in the XXXX of Florida on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. Under the laws of the State of Florida UCC 9-504 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: Nelnet, Inc.
State: DE
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:
XXXX and XXXX is incorrectly reporting that all 20 of the closed federal Dept. Of Education account were late on the same exact dates of XX/XX/XXXX thru XX/XX/XXXX which is impossible. I never had 20 student loans with the Dept. Of Education. Secondly, the loans were all not applied for at the same time frame. The loans I applied for were all in separate semesters, I never took out more then 1 loan at a time. I don't believe its possible to receive 20 loans at the same exact time. All 20 accounts have the exact same account number which is not possible, so I'm being penalized for being late on one student loan account 20 time which is gravely hurting my credit. Which I was never late because they were all deferred and are still deferred so I couldn't of missed any payments because they were never due!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: DISCOVER BANK
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Loss of job, house, and wages due to COVID- 19, Since then I have been declared 100 % XXXX and now I am on a set income from the government and deem total XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mother is deceased ( XX/XX/XXXX ) I am the daughter executor of will. Her home was sold to her in a deed of trust and she was promised a warranty deed and she never got one and paid cash XXXX in XX/XX/XXXX. Then she found out later on XX/XX/XXXX when borrowing money to paint house the deed was still in a deed of trust and I have the will of the man who sold her this house. XXXX XXXX XXXX XXXX Georgia XXXX. My uncle and this man made the transition 2 years before she ever purchased it in a contract of settlement and now it 's in a security instrument with citimorgage. Citibank made loan over phone she had XXXX and I told them she did and they did that XXXX anyway and this is an investment home there will never be a clear title to the home. Her sister drowned 2 months after mama passed because her husband is the one that took the money and did this. Please help me 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