BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-16
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For over the last two years, I have been in a dispute with ATT and their collection agencies. They have charged me for past due balances that were never due. In fact, I continued to keep service with them. I have attempted to resolve this issue with them but they insist on sending various amounts to various different collection agencies. I believe separate accounts we set up during my transitions between residences. Due to XXXX rules, XXXX had to create different accounts rather than roll them over.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Allied Interstate, LLC is attempting to collect a debt on behalf of XXXX XXXX. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Currently, Allied Interstate, LLC of XXXX, Virginia has not obtained a surety bond with the Texas Office of the Secretary of State. The debt collector that has contacted me does not have an active surety bond, therefore, they are illegally attempting to collect debt in Texas.

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 2020-08-16
Company: Riverwalk Financial Corporation
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had an account with XXXX in which the amount was forgiven and the account was closed. Several years later received a phone call ( 2016 ) that Deville Asset Management bought XXXX and was now reopening my account and requesting funds. On four separate occasions I have spoken with this company on the phone and have requested an itemized breakdown of the account. I was told in XXXX that they would not provide an itemized breakdown because they already sent it and would not provide it in writing. Instead they tried to get me to log into a third party website in order to view my bill which was suspicious. The person I spoke with would not provide me any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
This is outrageous I just recieved a letter an i will attach all my proof that XXXX is refusing to correct my credit report stating that I need to submit my documenation as in proof WHEN I DID VIA REGISTERED MAIL WHICH THEY SIGNED FOR ON XX/XX/XXXX I HAVE THE RETURN CARD AS PROOF THIS IS ILLEGAL AN I WANT IT FIXED AN I WANT THIS DONE NOW!!! THIS IS A FEDERAL VIOLATION A DIRECT FEDERAL VIOLATION AN I AM GO TO SUE. IM SICK AN TIRED OF THESE GAMES

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 2016-03-06
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Around XX/XX/XXXX my wife and I lost all our income except Social Security. A consulting company I worked for lost a client I was handling..This was a $ XXXX. a month loss in our income. Prior to that my credit score was XXXX. That was the first time my Mortgage payment was ever late. Also prior to that time we lost about {$700000.00}. in a XXXX Scam .The principal is currently in jail and all our cushion was gone, this was back in XX/XX/XXXX. In that amount was % XXXX in my wife 's pension money he was managing. During this same time my wife was diagnosed with XXXX. 
We have lived in this home from XX/XX/XXXX and would like to save it. My servicer is XXXX XXXX. I have some XXXX '' of paperwork they keep asking for the same thing over and over again.. We literally had not enough money to live on. As proud as I was I went for fuel help and food assistance. Now I have a full time job in the city I live in and we have combined income of about XXXX a month. Again I have asked XXXX for help in Mortgage assistance and now they tell me while they review another set of documents the are going to begin the process taking my home. My credit score is up to XXXX from a low of XXXX. I have made my mortgage payment for the past 6 months of XXXX per month and have set up payment programs to get my head above water. The rate of interest is 6.375 % if they lowered the rate It would all help. That interest is in the XXXX the rate on the XXXX is XXXX and yet the XXXX and XXXX add a late fee each month. The value of my single family home is {$370000.00} and I have a first balance of {$160000.00} including the arrears and a XXXX mtg. of XXXX thats a XXXX % ratio. Why ca n't they help me. I have now been working full time from XXXX XXXX for XXXX XXXX. Plus I am on Boards that through off additional Income. I could have filed bankrupt and wiped all the unsecured debt out but instead I hoped to struggle a bit and move on. Please help. XXXX has only continued to cost me money in tile and more paperwork than I feel they really needed. I worked as a Senior Mortgage officer for over 20 years and if I on anyone working for me treated our customer like this they would have been fired by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: MD
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:
I was advised by a Consumer Rights Attorney, These late payments on my account are against the law and I need them removed as soon as possible. 15 u.s. Code 1681a ( 2 ) ( A ) ( i ) states that my consumer report should not contain information regarding transactions or experiences between me and person making report. A LATE PAYMENT IS A TRANSACTION AND A NEGATIVE EXPERIENCE, therefore this account is illegal. THIS IS MY LAST TIME TRYING TO RESOLVE THIS, A LEGAL COMPLAINT WILL BE FILED IF THIS ISN'T FIXED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
Upon viewing my credit report today. XXXX a collection agency is reappearing after account was removed from my credit report due to unverifiable information, previously. As of today, XX/XX/2020, the account has reappeared. I have disputed with the credit bureau again today. This has and is hurting my credit, if this continues to happen.

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 2020-08-16
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 status incorrect

Complaint:
This is outrageous I just recieved a letter an i will attach all my proof that experian is refusing to correct my credit report stating that I need to submit my documenation as in proof WHEN I DID VIA REGISTERED MAIL WHICH THEY SIGNED FOR ON XX/XX/XXXX I HAVE THE RETURN CARD AS PROOF THIS IS ILLEGAL AN I WANT IT FIXED AN I WANT THIS DONE NOW!!! THIS IS A FEDERAL VIOLATION A DIRECT FEDERAL VIOLATION AN I AM GO TO SUE. IM SICK AN TIRED OF THESE GAMES

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 2017-01-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
I called Chase bank to request a lower interest rate. I was told that no lower interest rates are available, yet the terms and conditions on their website states it does offer lower rates. When pressed further I was then told that lower rates do exist, but they would not extend those rates to me and keep transferring me around. I feel I am being discriminated against somehow, when I have perfect credit yet will not extend those same rates to me as others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: CITIBANK, N.A.
State: LA
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:
Dear Consumer Relations : The reason I am filing this complaint with your agency is due to CITIBANK N.A reporting the wrong open date as being XX/XX/XXXX re-age debt. The correct opening date should reflect XX/XX/XXXX, according to my contract which is attached to this complaint. 

Secondly, the account was sold to a collection agency XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, with a balance due {$6900.00}. Citibank has done nothing but inflated its balance in an attempt to collect more than what is due. This practice is fraudulent. Once the account is charged-off and sent to an outside collection agency, all charges shall cease by the original creditor. It is my sincere prayer that your agency lodge complaint into the issue stated. 

Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Received notice today via XXXX XXXX that XXXX XXXX XXXX are showing on my credit report and shouldnt be. I do not recognize this account and dont have this account and is affecting my credit report. Per fair credit reporting agency, please remove inacc, invalid, or unverifiable information 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 2016-10-16
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We were approved for a Home Affordable Loan Modification trial period plan by Ocwen on or around XXXX XXXX, XXXX. The details of the loan are as follows : * 3 monthly trial payments of {$3200.00} due on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX * Payment for Escrow, ( where permitted by law ), including real estate taxes, insurance premiums and other fees, if any, of {$1400.00}. 
* 2 % for life of the loan * Balloon payment due of {$380000.00} - XXXX * New Unpaid Principal balance is {$580000.00} We were told by our relationship manager, XXXX XXXX, who is part of Ocwen 's litigation department, that our loan would have to be escrowed as part of the HAMP Trial Payment Plan. Our original mortgage was not escrowed and we have remained current on our property taxes and home owner 's insurance since XXXX till current. According to the documents provided by Ocwen, part of the trial payment is to be for taxes and insurance. I received a mortgage account statement from Ocwen that states {$0.00} of the trial payment was applied to taxes and insurance. Per the mortgage account statement {$390.00} was applied to the Principal, {$2700.00} for Interest and {$24.00} applied to " Unapplied Funds ''. Our original mortgage payment to Ocwen was {$3100.00}. Seems our 1st trial payment was applied based on our original loan payment of {$3100.00} and not on the trial payment plan of {$3200.00}, in which {$1400.00} was to be applied for Escrow ( Tax & Insurance ). As you can see from the mortgage account statement, {$0.00} was applied to Escrow ( Taxes & Insurance ). 
Also, Ocwen received our first payment of {$3200.00} on XXXX XXXX, XXXX, but I received a mortgage account statement yesterday with a statement date of XXXX XXXX, XXXX in the mail that states payment is " due now ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX XXXX is denying me the full credits I have towards the 120 payment requirement. I am being credited with 24 payments when I should be at 84 payments. 

The website had been down on several occasions and there was some sort of glitch when I repeatedly tried to set up my direct debit. I contacted the company and explain that I have a other health impairment that is directly impacted when I could not set up the direct deposit. 

The company 's reply was that I had never informed them of my XXXX and therefore, there was nothing they could do. I responded that I had put that information when I applied for the loan with the agency that I originally held the loan with, however, I was never told that I needed to continue to provide that information when my loans were transferred to FedLoan Servicing. 

Fedloan has had no response and I have sent the letter to them multiple times over the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2020, i filed a complaint with CFPB regarding Transunion getting free reports online or accessing report online.That complaint number is XXXX.Transunion responded with CFPB on XX/XX/2020.On XX/XX/2020 vial mail, I recieved a transunion credit report including credit score.After reading the report, I did see a trade line i wanted to dispute via online with transunion ( XXXX : XXXX ) .I tried to dispute online but recieved message that " online dispute is not available at this time '' .I have recieved this message many times in the past.Also, I still cant log on to see my report as well.I have called transunion to fix this issue and filed complaints many times.Nothing works to resolve this issue.Please fix this issue

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 2020-01-13
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Attempted to call to work with this bank but I can only get someone in the XXXX. I want to speak to someone in my country. Please have someone call me so we can work together

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 2022-10-02
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a medical collections debt which is illegally reporting on my credit report. Please remove this collection as it is violating my privacy and HIPAA law. Please remove from my credit report or you are opening yourself up to litigation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Received notice today via XXXX XXXX that XXXX XXXX XXXX are showing on my credit report and shouldnt be. I do not recognize this account and dont have this account and is affecting my credit report. Per fair credit reporting agency, please remove inacc, invalid, or unverifiable information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I have a Macy 's credit card that has been charged without my concern since XXXX of XXXX until XX/XX/XXXX, when I found out from my account statement that a credit protection agency has been charging my Macy 's credit card for almost 13 years. The amount charged on my were mostly between {$44.00}, {$48.00} or {$43.00} for 13 years. On XX/XX/XXXX when I discovered the changes that has been imposed on my Macy 's credit card account, I called Macy 's to inquired why these charges were on my billing statements which I had never taken a notice for 13 years. Macy 's customer service Representative referred me to XXXX XXXX XXXX   to resolve the problem. I canceled and requested for a full refund of the amounts taken away for 13 years. Since XX/XX/XXXX I have not getting my refund while it is approaching 90-day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: IL
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:
Due to ongoing lawsuits, on top of communication strains caused by COVID-19, it has never been acknowledged that my information was taken advantage of due to a data breach subjecting me to fraudulent activity, and malpractice while several laws were being broken under the FCRA by Equifax Credit Information Services INC . In addition, I also have not even been able to access my report from this company. This all has caused me financial injury, defamation of character, and I am not able to get approved for my mortgage or refinance my auto loan. This has really hurt my ability to obtain credit, which is needed during this time in a pandemic. This is not only affecting myself but also my child, our stability, and our well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage w ith TD Bank. TD Bank  did not process the flood insurance from my condo in time, and then put a Bank  Placed Insurance  ( BPI ) to cover flood and increased my monthly payments from  XXXX  to  XXXX  to adjust for the BPI in the escrow account.     TD has since received and processed t he Insurance Declaration p age for the flood insurance, and they claim they have refunded the BPI to the escrow account, but after multiple attempts and request by Supervisors, their Escrow Department refuses to perform a new escrow analysis and adjust the monthly payments. They claim they do n't want to under-collect, but fail to realize their mistake with he BPI and now are in fact over-collecting. They refuse to correct this mistake and are continuously avoiding my request to perform a new escrow analysis.     They continue to collect more than {$150.00} a month in excess.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Received notice today via XXXX XXXX that XXXX XXXX XXXX are showing on my credit report and shouldnt be. I do not recognize this account and dont have this account and is affecting my credit report. Per fair credit reporting agency, please remove inacc, invalid, or unverifiable information 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 2022-02-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief