BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-24
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
In accordance with the Fair Credit reporting act the following creditors have been violating my rights. 

1. MIDLAND CREDIT MANAGEM # XXXX / {$1400.00} 2. XXXX XXXX XXXX # XXXX / {$630.00} XXXX. XXXX XXXX XXXX # XXXX / {$940.00} 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Credit Card Receivables Fund Incorporated
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This debt is a credit card debt I believe - I never received any verification of debt. The collection company, Unifund, filed for judgment against my homestead property in XXXX. I was going thru a divorce and the death of my brother from XXXX. I just received a copy of a cause filed for notice of substitution of counsel for Unifund - I have not received any certified mail for this information. 
Texas Law under the Texas Property Code, Title 5 A provides protection for a homesteaded property against debtor claims and is exempt from this type of collection. I am requesting immediate removal and release of the current judgement that was filed in XX/XX/XXXX against the property located at XXXX XXXX XXXX, XXXX, Texas XXXX. The county records clearly indicated the homesteaded designation and the attorney for Unifund accessed those records prior to filing in court. I respectfully request immediate release of the judgement by the firm or the substitute attorney or entity who is assuming the cause. Please immediately prepare and execute the document, file it in the court and clerks office with a certified copy sent to me. I am attaching a copy of the voters registration for the property from XX/XX/XXXX thru current copy of the county records showing the Homestead exemption in place. Additionally I am sending a copy of the complaint to the Texas Attorney General Office for records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Bread Financial Holdings, Inc.
State: GA
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:
From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2019 XXXX XXXX XXXX took me to court. I didnt even know I have a court date.I wasnt notified of the lawsuit. I didnt even know there was a lawsuit. Im on a fix income. Ssi. The judge ruled in their favor. I am bedridden diagonised on the last stage of XXXX I cant walk I cant move I cant do the basics in life. How can I pay them? Before dignoises I tried to call them but no answer they wouldnt answer or talk to me about what can be done with they threatened with arrest

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: CA
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:
Re : Inquiries Confirmation # XXXX The FCRA states that the only permissible purpose for pulling someones credit report is A ) firm offer of credit B ) insurance C ) a court order D ) employment I did not authorize and do not fit A, B, C, or D above. 

XXXX XXXX XXXX XXXX XXXX NC - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - inquiry date XX/XX/XXXX XXXX XXXXXXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX - inquiry date XX/XX/XXXX Equifax comes back next day with a response of inquiries are factual record of file access and will remain I filed a claim with FTC which I have uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: EQUIFAX, INC.
State: OH
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:
I need the following incorrect addresses removed from my credit report. I do not recognize them. I am looking to start a new job and my information is not right on my file. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: AmeriHome Mortgage Company, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We began with AmeriHome mortgage in XX/XX/XXXX. Our very first payment was a check that did not arrive so we submitted payment over phone XX/XX/XXXX for the amount of {$1200.00}. AmeriHome reversed the payment XX/XX/XXXX but funds did not come back to our account. We had to submit another XXXX for XXXX payment, on XX/XX/XXXX because of this to stay current on our mortgage. We submitted proper documentation that AmeriHome requested to send the payment back, on XX/XX/XXXX via fax. We have spoken with several representatives that have given us several different answers as far as whats going on with our payment. Some representatives have stated the payment should be being processed and could not tell us how the payment would be returned or exactly when. When we call to check on the status of the reversal, other representatives try to explain to us that there is no payment or the bank is supposed to reverse it. The bank has confirmed with a trace ID that the payment was sent and never returned. We have been working directly with a banker at XXXX. AmeriHome refers to this document as a transmittal and the bank does not recognize that term. Today, XX/XX/XXXX we just received documentation, dated XX/XX/XXXX, that our mortgage was transferred as of XX/XX/XXXX. 
This is my second submission of a complaint to resolve this issue as AmeriHomes response was insufficient and the complaint was closed. 
The XXXX customer service manager XXXX XXXX, responded to the complaint saying the new mortgage company XXXX mortgage now has the payment and thus the complaint closed. When we talked to XXXX, they do not know what we are talking about and have only our loan debt on record. When trying to contact AmeriHome, you are routed to a sub-company and none of the phone numbers on the company website or in letters is a direct line. 
XXXX XXXX provided her direct number in the previous complaint and said to call with questions, but does not answer and has not returned any of my numerous voicemails with extensive information on who I am and how to contact me. 
For more info : previous closed complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: MI
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:
WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS 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 2016-04-02
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Second complain I have been trying to resolve mortgage escrow act since XXXX, XXXX after previous issues with lender ; my loan amount was corrected on XXXX XXXX, XXXX and current ; now after trying to resolve an escrow dispute lender has decided to avoid correction previously made and increment my loan amount for amount I do not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: Social Finance, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Issue with loan process and how things are handled. 
I applied for a loan XX/XX/XXXX and was preapproved.3 weeks later which is the process I signed papers XX/XX/XXXX. XX/XX/XXXX I finished signing documents. XX/XX/XXXX they said funds will be in my account 7-10 days later. This did not happen. I got an email from XXXX XXXX stating that the bank statement did n't verify ( it was a joint account ). SO I gave them my other account with a small credit union XXXX. I got a letter signed from the people at the bank verifying that is was my account. 4 days later I got an email saying they could n't verify my identity and they denied me XX/XX/XXXX. 

No one gave me a chance or ask me to provide anything more. I gave drivers license, birth certificate, social security and they ran my credit. 

I called and they could n't tell me anything as to why they could n't verify because it look good on their side. Then they told me to reapply. 

I thought this as strange as most companies do n't allow you keep applying. 

I applied again anyway to see. XX/XX/2015 I applied again. 
XX/XX/XXXX. I signed the documents on XX/XX/XXXX. I got an email stating my loan was approved. I called and spoke to customer service several times and they all said keep checking my account the funds will be in there. Give it 3-4 days. 5 days later they said because I have a smaller credit union it may take sometime. I called yesterday and they said that is hould be in my account no later than XX/XX/2015. I checked the sofi today and it is saying my account is withdrawn. 

I am so confused I never withdrew the loan and I feel like it was all a game to give me the run around. When I normally am approved for something and they say funds with be in account that is usually the case. I am not sure if this is a legit company. I have been nothing but patient and this feel like this is a scamIf the money was going to my account and I had been approved and the several customer service agents state the money would be in my account how did it go to withdraw status. 

I never got anything as to why the loan was in withdraw status. They said it was something that could n't be verified. If this is the case how did I sign loan and then they said it was not able to verify things. NO one contacted me and tried to see if this could be resolved. 

Also now I have XXXX unnecessary inquiries if they knew they were not going to approve me why have someone wait almost 3 months. This is very unprofessional.The representatives were so nice but I am not sure if this is a legit company or they just have you applying for nothing or to get your information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$1100.00} XXXX XXXX {$1300.00} USDEDPED XXXX {$9200.00} XXXX XXXX   XXXX XXXX {$4000.00} USDEDPED XXXX {$3500.00} XXXX XXXX {$0.00} XXXX XXXX {$2000.00}

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 explanation
Consumer complaint received 2022-08-17
Company: Thaxton Investment Corporation
State: GA
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:
From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Sender entered information and submitted payment for immediate international money transfer. When recipient went to retrieve money, recipient was told that the account associated with the reference number was blocked. Sender then received notification that transfer was of 5 to 7 business days and not the immediate transfer. Since then, Sender has been unable to contact Western Union to cancel the transaction. IP addresses of laptop and cell phone are also tracked and blocked from certain features of the website and reference number is tracked to receive limited information over the phone when calling customer service. Reference number is routed in circles through automated recording even though availability of live person is addressed. Final prompts skip the option to speak to a live person when deemed appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I submitted a principal reduction payment for {$100.00} dollars on my loan in an effort to reduce my loan balance. They miss allocated the payment and charged me interest even though I am caught up on my regular payments. I made a payment on XX/XX/XXXX and in 6 days I somehow managed to accrue XXXX in interest charges. The odd thing is that from XX/XX/XXXX to XX/XX/XXXX according to the billing and payment allocation from n=Navient I only accrued XXXX cents in interest. It is my understanding from the promissory note that I can make principal reduction payments as long as I am current on my payment schedule which I am. They Explicitly state that you include specific payment instructions which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit reporting act XXXX # XXXX, has violated my rights. 

15 U.S.C 1881 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 


The XXXX Account is a result of identity theft and is not my account. 

FTC report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Bridgecrest Acceptance Corporation
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: Information belongs to someone else

Complaint:
Fraud Account When I found out I contacted the company directly and even filed report with the FTC they have been unresponsive and they are not willing to work with me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I 've consolidated my student loan debt ( approx. {$200000.00} at this point ) under the Public Service Loan Forgiveness program, and have been making monthly payments for the last 6 years. I work for a nonprofit XXXX in New York ( high cost of living coupled with non-profit salary ). I should have been eligible for forgiveness in 2020. However, I just learned XXXX of my payments over the last 6 years have been disqualified because the " full monthly installment amount was not received ''. Here is how this happens : Let 's say my monthly loan payment is {$340.00}. One month I round up and pay {$350.00} ( overpaying by {$6.00} ). The following month I get a statement saying the amount owed is {$330.00} ( which is slighly less, due to the over-payment the month before ). I pay the exact amount owed, according to my statement. That payment of {$330.00} is disqualified because it is not the full loan payment amount. This happened to me 10 times in six years -- which means I will have to stay in repayment almost an extra year before I 'm eligible for forgiveness. Costing me thousands of extra dollars in repayment. 

When I called FedLoan Servicing to ask about this, I was told that it was n't their problem I " did n't read the fine print, '' and that the annual enrollment forms I sign to stay in the income-driven repayment program explicitly state that I must make the full payment each month in order to qualify. I get that. But then why am I receiving a statement telling me to pay anything other than my full payment each month? This is misleading, at best, but feels malicious. And I 'm sure there are thousands of people out there paying their loans on time every month, paying whatever is listed on their monthly statement, not realizing they are falling through a loophole in the system. Frankly, I 'm surprised there has n't been a class action lawsuit yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech mortgage is misapplying my full payment to cover an escrow shortage. This is making my account appear to be delinquent. They have done this the past 2 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: GREAT LAKES
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
CALL TO GET FORENSIC AUDIT AND " FULL VALIDATION '' AND NO RESPONSE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Account Control Technology, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX, this account was reported to the credit agencies and added to my credit report as a collections account by Account Control Technology for a debt, in the amount of XXXX. On XX/XX/XXXX, I spoke with representative, XXXX of Account Control Technology. I advised XXXX that this debt was reported to the credit agencies in error and was discharged in bankruptcy in XX/XX/XXXX. There was no agreement from Account Control Technology to remove the inaccurate information from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill from Credence Collection stating that I owe XXXX XXXX XXXX XXXX {$140.00}. That is not possible. Why? Because I returned all equipment to XXXX XXXX XXXX and I even received a VISA giftcard for approximately {$140.00} for amounts overpaid. 

I disputed the amount with Credence and sent them a certified letter with copies of my last XXXX XXXX XXXX bill which showed that I did not owe XXXX XXXX XXXX any money and that XXXX XXXX XXXX showed that I had a credit balance. 

I received a letter in the mail today that was dated XX/XX/XXXX by Credence. The letter states that XXXX XXXX XXXX verified that my charges are valid. I need someone to get to the bottom of this a fix this problem. Apparently, there is a lack of communication between Credence and the original creditor and Im the one who has to deal with the headache of potentially having my credit damaged for an account that I do not owe. 

On XX/XX/XXXX, I received a bill for {$300.00}. On XX/XX/XXXX, I received a bill for {$140.00}. Why two different amounts all of a sudden?

Company response to consumer: Closed with explanation