BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans union has got somebody with the same name as mine that lives in the same town that I live in credit good and bad mostly bad listed on my credit report. This has brought my credit number down terrible low. How were they able to do this without my social security number? There are even XXXX civil judgements against me. I had good credit how can this happen. I checked with the other XXXX reporting credit agencies and Transunion the only one that has the wrong information listed against me. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a auto loan issued by Sovereign Bank and they sold it to Santander. Now Santander is reporting the account illegally reporting 90+ day lates month after month since the charge off date and have it listed as a 240 month loan. This was a car loan and car loans are n't 240 months just further confirming that they do n't even have the correct information to report this. I have tried multiple times disputing through the bureaus to no avail and have been ignored in demanding that these companies provide all the documentation showing they have it and are reporting correctly. Please help I tried to go through the proper channels and have been brushed aside.

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 2015-05-15
Company: NCC Business Services, Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I am filing a complaint against NCC Business Services located in XXXX, FL ( Phone Number XXXX ). When seeking a pre-approval for a mortgage, I discovered that NCC Business Services had reported XXXX eviction entries on my account. XXXX was a collection account entry and the other was a court judgment entry for the same matter. After contacting the court, I discovered that the court case was in the name of XXXX individuals whose names are not mine. After contacting NCC, I was also informed that my social security number was not in their system at all, and that there was not a social security number associated with the aforementioned account ( based upon their records ). 
I promptly informed NCC that these inaccurate entries were preventing me from qualifying for a mortgage, as well as preventing me from renting another house, and that I needed to move in two weeks. I provided them with my documentation and was told that they could not tell me how long it would take to resolve this matter. When I asked whether they could provide me with documentation showing that the entry was not accurate and that they were in the process of removing it ; I was told no. I explained that my family would be homeless, and they indicated that there was nothing they could do about it. 
When I inquired about how my social security number was associated with this account, or why they inaccurately reported my information, they would not tell me. Instead they told me that asking questions about the matter would not resolve the issue, and that I needed to follow all their requests by providing additional personal documentation. When I informed them of my concern of providing additional information, when my personal information was already compromised, they said it was nothing they could do about that. Every time I asked any question regarding this matter, they informed me that I was not going to resolve this issue by asking questions, only by submitting additional documentation. Finally, when I asked to speak to someone above the manager, I was told that he was not available. I asked was he ever available and was told that he would tell me the same thing. I asked again for the contact information of the person above the manager and was provided with the name of XXXX XXXX, VP of Operations, and then given a non-working number. 
NCC Business Services made a terrible error in reporting inaccurate information to my credit report, and did not follow appropriate or legal measures in ensuring that they were reporting accurate information to my credit report. In addition to making this error, they have failed to even take responsibility for this error, or provide me with an immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Transaction issue

Complaint:
I had {$11000.00}. transferred to my credit card with Compass Bank, as a credit overage. On XXXX XXXX, 2016 I requested {$10000.00}. be mailed to me. As of XX/XX/XXXX the money had not been revcd. I called & was told they would do something better and transferred it to my checking acct - ( approx. within 3 days ) - On XX/XX/XXXX still not recvd. Talked to a supervisor who was not very helpful as to my urgency, but said it would be in my acct the next day which would have been a Saturday, and I questioned that. Well today is Tuesday XX/XX/XXXX and the money is still not in my chck acct. I feel at this point they have made me incur some addtl charges on money I had to pay a worker ( {$56.00} ), ATM fee to XXXX ( XXXX ) to withdraw {$400.00} on XX/XX/XXXX, and a late fee on my water bill ( not yet known, but maybe about {$2.00}. I feel they should reimburse me for these expenses which were incurred to their not returning my money, and maybe even pay me interest same as they would have charged had it been a debit. Also some kind of reprimand so this does not happen to anyone else. Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-05
Company: Southern Management Systems Inc.
State: FL
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:
This debt is reporting falsely to my credit reports. After several requests for validation, it continues to be reported without being validated.

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 2016-02-17
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I am in the process of closing on a home loan. Was instructed to pay this account off. So I contact Southern Management Systems and talk to a XXXX XXXX and XXXX who is the lady who picks up the phone. I came into an agreement to pay the debt but first I wanted to assure that they will give me an offer letter and a letter that I have paid the debt off once the payment has been processed. Upon me requesting these documents, XXXX XXXX 's professionalism left and he began to be extremely rude and said that he was not sending anything to me and that if I did n't like it too bad. After a back and forth moment, he just hung up. I have tried to resolve this issue but he never calls back. I also asked him if he could verify the debt and he refused. This could very well hurt my approval for my loan. I am trying to pay but they just wont work with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my XXXX credit report. XXXX / child support has not been updated. Please update payment amount, due amount and payment history, amount is much lower now and I have made current payments for several years thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: M&T BANK CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
There are two complaints. One against XXXX Mortgage, and the other against M & T Bank. XXXX sold the mortgage to M & T.XXXX stated in their response to my complaint they are waiting on documents showing my payments since XX/XX/XXXX and insurance amounts to M & T in order to resolve the issue of not paying my escrow account in full in XX/XX/XXXX. M & T signed the certified request I sent asking for the documents ( XXXX, signed by XXXX XXXX M & T ) .M & T told me on XXXX they have not received any letter from me.I have the certified return reciept # XXXX.Both compaines have caused grievous harm to me as a homeowner.XXXX violated their obligation to me when they did not pay my insurance in full. Then sold the loan because the insurance was canceled.XXXX and M & T have no quality controls to identify errors in their business, they are both " severely flawed '' and " ineffective '' .The problems are excessive and the error rate on my loan is unacceptable.I have been able to stay in my home with the help of family members.My fixed mortgage continues to go up due to the forced lender insurance and the tacking on of illegagle fees.I spoke with 4 people on XXXX attempting to get from M & T what XXXX say they need to resolve their part of the issues with my loan.M & T in their response stated they need 60 days to review this.I want the Attorner General to review the case

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
THATS IT IM ABOUT TO LOOSE IT. I HAVE SENT THIS COMPANY A LETTER TOO STATING THAT THE INFORMATION THEY HAVE IS NOT RIGHT AND THEYS NEED TO STOP CALLING AND REPORTING THIS XXXX ON MY REPORT. I CANT HAVE THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage bought mortgage from XXXX and increased amount paid to escrow even though my insurance and taxes have not risen, They said once paid, I have an escrow balance of {$130.00} but they need it to be {$480.00} dollars so my mortgage payment went up. Can they do this arbitrarily? What is they want my extra escrow balance to be {$1000.00} or {$1500.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: LoanCare, LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loancare LLC states I missed a payment, did not pay correct amount, charges late payment fees every months, when I have banking documentation clearly showing I have paid on time every month. I contacted them when I received credit bureau report that I was two months delinquent on mortgage. They never once contacted me to discuss. Each phone call with them they tell me a different story, and continue to charge late fees, even after I have sent them documentation three times showing payments on time.

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: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I contacted Transunion on line to get a free credit report .i paid {$1.00} for this andgave my credit card info. I was offered " free '' credit monitoring.come to find out II was charged $ {$17.00} for the " free '' credit monitoring.this is deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
When I applied for the care credit at the dental office, they did not inform me that there is a 6 months dead line and after that if I did n't pay the balance, I would have to pay a high interest rate@26.99 %. Everything was done online and I was never given a brochure or contract to read my terms. I called the care credit and they said it was up to the dental office to give me the term months on how long to pay. which that did not happen. I am unable to pay the {$410.00} that care credit is asking me to pay before the promotional expiration date. which is by XXXX/XXXX/2015. I would greatly appreciate if someone could please help me out on this. I feel this is so unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX I checked my credit report and all of my inquries were gone. I logged in today and they are back and my score went down,

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 2015-10-17
Company: SIERRA PACIFIC MORTGAGE
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX, I received a written Annual Escrow Account Disclosure Statement dated XXXX XXXX, 2015 from XXXX XXXX Mortgage explaining that I had too much money in my escrow reserve account. The letter included their Check # XXXX dated XXXX XXXX, 2015 in the amount of {$210.00} with my name as the Payee. I attempted to cash that check on XXXX XXXX, 2015 at a branch of XXXX XXXX XXXX where I have several accounts. After 30 minutes and several phone calls, the XXXX representative advised me that Sierra Pacific REFUSED to honor the check -- the XXXX representative told me that Check XXXX was no good and I had to contact Sierra Pacific to get the issue resolved. I immediately called Sierra Pacific at XXXX and spoke to their representative. She told me that Sierra Pacific was aware of the problem, that there were several accounts with the same issue, and that Sierra Pacific would immediately issue a new check and mail it to me on Friday, XXXX XXXX and I would receive it by Tuesday, XXXX XXXX. On Friday, XXXX XXXX, I again contacted Sierra Pacific at XXXX and spoke to another representative and I learned that NOTHING had been done. I requested to speak to a supervisor and my call was placed on hold -- I remained on hold for 40 minutes. I called back and spoke to a representative named " XXXX '' and she also placed me on hold waiting for a supervisor. I learned that customers requesting to speak to a supervisor were simply put on hold and the majority of those calls were not ever picked up. I was able to convince XXXX to give me their Fax phone number and she also allowed me to leave a Voicemail message in the supervisor mail box. The Voicemail message stated that it belonged to a supervisor named XXXX. I left an informative message in that mailbox. Also, on XXXX XXXX, I faxed my letter to Sierra Pacific Mortgage to their Fax number at XXXX and requested my replacement check to be mailed immediately. I have verification that the Fax was delivered successfully. I have not received the check .. I have not been contacted by any representative of Sierra Pacific Mortgage. This insulting lack of customer service is unacceptable. I want the replacement check in the amount of {$210.00}.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have paid off all of my debt except for my car. Student loans are all paid and the XXXX phone bill that was in collections also. My credit score should reflect that. I also no longer work for XXXX and now work for XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Premier Portfolio Group
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
They constantly call saying I they are attempting to collect a debt from XXXX XXXX XXXX from 2011. They say I applied online and received the money into my checking account at XXXX. I have NEVER had an account at XXXX and I have NEVER applied for an online loan or received one. I have never received any letter or legal items and I ask them for a verification of debt they say they send it and I have NEVER received anything from them. They say I have 24hrs to return the call and pay before legal action is taken but I cant even get a proof of debt. AND ... They are very rude and constantly try to use threatening tactics to get my money but I know the laws, I know my rights and they are not getting a XXXX thing from me! They are SCAMMERS!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
An item that is not mine is reporting on my credit report. I filed a police report and was advised it has been removed. per the attached complaint wit the CFPB. However, this is still on 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 non-monetary relief
Consumer complaint received 2015-05-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid off the past due balance on a credit card through the assigned collection agency in 2011 ; however, the original creditor shows that the debt is still owed - this is incorrect on my Experian report. XXXX XXXX needs to indicate that the debt was sold. The collection agency shows correctly that the debt was settled in full in 2011.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you!

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 2016-04-17
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and someone stole my identity, and used my personal information to apply for and open up the following unauthorized and fraudulent accounts that are not my accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, US Department of Education, XXXX XXXX XXXX. I filed a police report with the XXXX XXXX Police Department. The police report case number is : 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 2015-10-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian is displaying i have a late on payment on my XXXX XXXX account when it was fixed by the credit about 5 months ago. Experian did their investigation and removed the late payment 4 months ago out of no where they reinserted the deleted information again on my credit report which dropped my credit score drastically. i was denied for credit because of their mistake to add this negative delinquency on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-26
Company: CASHCALL, INC.
State: VA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Cash Call presented radio advertisements on predominately XXXXowned or XXXXlistening audience. The advertisement stated that the loan company was owned by an XXXX and operated quite differently than payday loan companies. I called to apply for $ XXXX and was told I only qualified for {$2500.00}. I was also told that if I did n't accept this loan, it would show up on my credit report as " declined. '' They played on the emotions of a person in need of assistance. The interest rate is nearly 300 % which was not disclosed prior to accepting the loan. 

While I was the XXXX one in this situation, these type of companies should be regulated and/or shut down and stop preying on minorities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Penn Credit Corporation
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/2016 I was contacted at phone number XXXX, by Penn Credit, looking for a person named XXXX XXXX. I advised XXXX XXXX that I never heard of XXXX XXXX and that Penn Credit has the wrong phone number for that person. This is the second phone call from Penn Credit looking for XXXX XXXX. On XXXX/XXXX/2016, Penn Credit was previously advised that they have the wrong phone number for XXXX XXXX and to please stop calling XXXX. Please advise Penn Credit to stop calling my home and to update their records, Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation