BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dated XX/XX/XXXX with this account number - XXXX and this collection date of XX/XX/XXXX. The debt is a Returned Check for the Amount of {$510.00}. It was placed on my credit report by TRIDENT ASSET MANAGEMEnt for the Original creditor of XXXX XXXX. The Contact information listed is XXXX XXXX  XXXX XXXX, XXXX, GA XXXX, ( XXXX ) XXXX. Disputed at least 4 times with no help from the credit agencies. I want this false information taken off my credit report. Here is my story : I did not bank with XXXX XXXX in XXXX. In fact my account with them was closed in XXXX. 
I have disputed this at least 4 times and I've asked them to send me a copy of this check. I've gotten no reply from the company and 've gotten no help from the credit companies, ie, XXXX XXXX and XXXX. I want this false information taken off my credit report. 

I'd also like to know why the credit agencies make the consumer prove the information showing on their report is wrong. Why isn't the company placing the negative information on a consumer 's credit report responsible for showing the accuracy of the complaint? An example is the complaint I am submitting. I've asked them at least 4 times to remove this information and have told them the company refuses to send me information so that I can verify this debt. If the company putting an outstanding debt on someone's credit report can't submit proof of the debt why are they allowed to put it on there? Why are they not required to show proof of the debt before being able to put it on a person 's credit as a bad debt? Especially since a credit report can make or break a person 's life? Why is it that the consumer is always considered wrong in this process? Companies aren't exempt from making errors. If people are denied employment because of the information placed on their credit reports, why isn't that company required to prove that debt before the credit agencies just blindly put it on there. I think we are working with antiquated processes in the 21st century. Maybe this whole credit reporting should be looked at and updated to the way we live now days. If the consumer is disputing something and the company that put it there can't prove it, it should automatically taken off. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Continental Services Group, Inc. d/b/a ConServe
State: NV
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:
This involves the  XXXX   XXXX   XXXX    XXXX   (   XXXX   ). I enrolled to receive an estimate of the schooling cost and wanted to start college. I was enrolling for financial aid and got approved, but the money NEVER transferred to my account. It seemed no one at the school knew how to resolve my issue so I disenrolled from the school and the classes. Then the school called me and told me I owed money for classes I disenrolled from because the disenrollment date had passed before I dropped them. I refuted them for the charge because I should n't owe money for absolutely nothing. I was told I would get help to resolve the issue but no one ever called with further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Phoenix Health Care Management Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My 2nd insurance paid {$2300.00} out of {$3100.00} leaving me with a balance of {$770.00} for XXXX. I called XXXX XXXX XXXX XXXX Hospital billing department to let them know that I had XXXX  XXXX on XXXX and XXXX on both of my XXXX and was out of work until XXXX and would not get paid until XXXX. I made arrangement to make 6 payments of {$120.00}. I made the first payment on XXXX of {$120.00}, but could not make the payment in XX/XX/XXXX. I called the billing department at XXXX XXXX XXXX Hospital and they agreed to let me double the payment in XX/XX/2021. On XXXX I made a payment of {$120.00}. I recieve a letter from HSI threatening to put the bill on my Credit Report if I did not make the full payment on {$770.00}. I explained to them that I was on a payment plan but they did not want to hear. I asked to speak to a manager but of course they would not get one. I hung up the phone and called XXXX XXXX Billing Department. They stated that they was going to send a letter to HSI to let them know and to continue making payment as agreed. I made another payment on XXXX of {$120.00}, once again I got another threatening letter stating that I need to make my payment by XXXX and the balance of {$510.00} or they will put the bill on my Credit Report. I tried to reach out to HSI but they had an answering machine on and I could not leave a message. This is the 4th time that I have had a problem with this company putting bills on my report and having to go back and remove. This company is a problem they do not take the time to verify anything they just put bills on your Credit Report that is wrong, misleading and inaccurate or outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have an account with  XXXX   XXXX  on my account for 3 years as of now which is not valid. I have requested for valid proof from original debtor and have yet to received. Account is not valid and have tried disputing with credit bureaus and with the agency on several occasions and nothing has happened with the account. When trying to dispute with the company I submit the letter that I received stating the account is not valid and hear nothing in resposne.

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 2017-06-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about  XXXX   2016 , I receive d Bayview Loan M ortgage Statement and I realized that there was a charge in the amount of {$310.00} as  XXXX   XXXX   XXXX . I contact Bayview via correspondence to provide with all and any documentation pertaining to this fee of {$310.00}. I was told that this fee is charged by their office as a service fee for taking pictures to my property or so call " inspection. '' I have not been in any type of arrears with my home for me to be charged this fee. Also, there is no document stating that this fee can be charged to any of their clients. I believe this fee is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a Fraud Questionnaire i n the mail but I am having a hard time processing the claim because since my fraud claim I am having repeated trouble getting online to retrieve last transactions and getting into my account in order to obtain correct dates and info pertaining to the fraudulent use of my card. I've never had any issues like this before the fraudulent charges on XX/XX/XXXX {$340.00}, {$10.00}. And on the XX/XX/XXXX for {$.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29
Company: AMERICAN EXPRESS COMPANY
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:
American Express has reported me deceased to the 3 credit bureau 's. I have called them multiple times to dispute the inaccuracy of the account to get nowhere with them they will not provide me with any information, so I have no dates, amounts, or account information please help. I have called the 3 credit bureau 's and they have removed the deceased remarks, but American Express keeps reporting to them I'm deceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Their investigation did not fix an error on your report

Complaint:
I have an account wi th Portfolio Recovery  on my account for 3 years as of now which is not valid. I have requested for valid proof from original debtor and have yet to received. Account is not valid and have tried disputing with credit bureaus and with the agency on several occasions and nothing has happened with the account. When trying to dispute with the company I submit the letter that I received stating the account is not valid and hear nothing in resposne.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am XXXX XXXX XXXX and XXXX  with on where to go due to COVID 19. My business took a beating, I had to lay off all my employees and encountered a death among my staff. My business suffered very badly. I lost everything even my home. I am living at the extended stay here in XXXX XXXX MO. I went and found a small 2 bedroom house that needed a little work done to it, but didn't have enough money to close the deal. My closing is today XX/XX/2021 at XXXX. Since I did not have enough money to close, my family sent me the money to do so. They sent it through XXXX money app. so I can have a roof over my head and prevent me from not having anywhere to go. The bills here at the expended stay are more than what I can afford. I transferred all money from the XXXX app to the Bank Of America savings account which was {$1300.00} dollars and I put another {$560.00} with another {$100.00} dollars cash into the account to bring the amount upto {$2000.00}. This is what I needed to close my new home. I was scheduled to close today. Yesterday I got an alert from BOA stating my account had falling to {$25.00} dollars the day before my closing. When I called to see what had happened, I was told BOA had taken the money out to put towards another account that's overdrawn at the bank. The money was taken without my permission or consent. I don't have a place to live and now I don't even have enough money to pay the extended stay. I need the money back so I can close on the house 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 2022-04-01
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
I was checking my credit report and saw some unauthorized and unvalidated inquiries and a debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have sent letters and never got a reply, I have called and never got anyone to answer just a repeating auto information, I am locked out of my accounts with XXXX and TransUnion. They are no help.

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 2019-12-03
Company: General Motors Financial Company, Inc.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My truck was taken sometime during the night of XX/XX/XXXX-XX/XX/XXXX, it was dragged down my driveway leaving marks, hopefully the truck is not damaged, I attempted to make payment on the loan on XX/XX/XXXX but was unable to do that because the system was not allowing me to. I contacted XXXX XXXX via email to notify him I would call him on Monday XX/XX/XXXX to make a payment he responded asking if I would call him XX/XX/XXXX I told him I was unable to as I was working XXXX-XXXX  that day, I take full responsibility for the payment being behind but I have made late payments many times in the past and only once in XX/XX/XXXX did I receive a notice to cure the default which I did. I spoke to GM employee # XXXX on XX/XX/XXXX from the recovery department that stated GM sent me a notice to cure in XXXX. I am very good at checking my mail and would never have ignored such a notice, I never received XXXX. I was told you have until XX/XX/XXXX to recover the vehicle, as the gal was so nice as to put a ten day hold on the vehicle, dont they have to give you a chance to get the vehicle back anyway? I take full responsibility for the past due amount of XXXX which I can pay. 
Then another XXXX for the repo and storage fee. I cant pay that, I questioned them why they would cause such a hardship on someone who is already struggling to make payments when I had an agreement with XXXX XXXX to make payment on XX/XX/XXXX I was told that GM doesnt accept email as a form of communication. Well then why was XXXX XXXX responding to me via email. I need my vehicle back for transportation to work, I work two jobs but have only been able to get a ride to one so Im losing income and that XXXX is my XXXX payment which I would not be able to pay if I have to pay the fees which should never have happened. As well today is day two since they took the vehicle and I do not have a statement from them explaining the whole process nor one with a right to cure the default before this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My account, originally handled by Medical Recovery Specialists, was taken over by RMP XXXX. I had a payment arrangement in place for {$25.00} which stopped. I called to try to find out why and found out that someone else 's name was linked to my account and phone number. I questioned if my payments were being applied to my account or hers. They said they had no way of knowing that. I asked what her last amount was that was paid and they said {$25.00}, which happens to be the same as my monthly payment agreement. I told them if they can't even verify if the payments I have been making have even been applied to my account and verify the accuracy of what I owe, then I should not be expected to continue payments. It took me seven phone calls, dropped calls when being transferred to a supervisor then getting connected to a supervisor who couldn't even tell me what payments were applied or when or to what account. I told him if he can't prove I owe it, then it should be closed and he said he can not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: CA
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:
I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found the account that was not mine. This account have never been opened by me or with my permission. I need your assistance to stop this account from reporting to my file. According to FCRA section 605b, the credit bureaus must block or delete any account mentioned in an identity theft report. To aid with the blocking of the fraudulent account that was discovered on my report, I have included some documents. 
XXXX XXXX Balance Owed : {$0.00}

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 2017-06-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have already opted out via the official sites to receive NEW OFFERS from all credit card companies. However, I continue to receive these EN MASSE, every week. It is jamming up my mail box to the point that I can not open the keyed box.
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All credit card companies ... CHASE,
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX, etc. This must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried disputing with these companies regarding my accounts. They don't wan na get them off. Can't get a house or car. Need help

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 2020-10-07
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX law office REFUSES to accept any payment unless I provide them with far too much information. All they should need to accept payment is confirmation of who I am and a valid debit card number. They refuse to allow me to pay unless I provide them with all of my information. Including my place of employment. The moment they receive my information they will start garnishing my wages, rather than allowing me to make a payment plan. The lady on the phone was extremely rude and hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: EQUIFAX, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/2019 the XXXX XXXX XXXX reported me to the credit bureaus as 30 days past due. This problem was happened due to I din ' t receive my bank statement from CU. I went to talk with the manager on XX/XX/2019 at the XXXX XXXX branch office, XXXX, WA. Her name is XXXX, and I paid this bill on her branch with I explained the reason that I never receive my bank statement, which causes me didn't know my checking account did not have enough funds to pay the auto payment system through CU, and she responded on this issue by asked me to contact the credit reports three bureaus. I did right away. However, From XX/XX/2019 until today the 30 days past due are still shown in the credit reports which hurts my score a lot to impact my finance, my business loans, mortgage loan, insurance, etc. This is not fair! without the bank statement is no way for me to keep track of paying my bill with CU, and I do not use online banking with CU. Truthfully, I never have 30 days past due with any loans with any lenders due to I can keep track, manage my fiance, and have done responding on bill payment very well with bank statements which they have sent me by mails, but not online. Hopefully, you understand my situation and help me to remove this 30 past due with CU and the three credit reports bureaus asap. Thank you! Stay Safty. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PO. BOX XXXX XXXX, WA XXXX The three credit report bureaus : XXXX   XXXX XXXX. BOX XXXX XXXX, PA XXXX XXXX   XXXX. BOX XXXX XXXX, TX XXXX EQUIFAX XXXX. BOX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My escrow account has been set up incorrectly and the bank is not doing anything to solve the problem. My monthly payment is {$2200.00} and it breaks out into Principal and Interest {$1300.00}, Escrow : {$870.00}. Escrow account should include taxes, insurance premiums and PMI. Taxes : {$4000.00} annually ( Parcel - XXXX XXXX County - CA ) Insurance Premium : {$390.00} annually and Private Mortgage Ins. {$210.00} monthly. If this is what my escrow account should include, plus any sort of " cushion '' I do n't know why it has been set up to {$870.00}. It should roughly be {$590.00} My escrow balance up to date is {$3300.00} which is far more than what it should actually be. I have requested my bank in several occasions to please update my escrow account by having an escrow account analysis done and they refuse. They say it will be done until XX/XX/XXXX and recently a representative emailed me saying it would be until XX/XX/XXXX. This is a huge difference and it is been a burden on my family.

Company response to consumer: Closed with explanation