BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/XXXX I sent letters to the credit bureaus regarding erroneous accounts I have in my credit report. Until now I havent got any actions from them I can still see those accounts in my credit report. It has been over 60 days so they should be deleted promptly. This situation has caused me to stress out and I need to have it resolved quickly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a default on mortgage, for months XXXX XXXX and XXXX XXXX, payments. The default amount does not match the amount per my accounting records ( per my mortgage modification ). I would like an accounting statement for years XXXX XXXX to the present day XXXX/XXXX/XXXX. Please include our monthly payment ( per the modification agreement ). Also, please indicate current payment amount, when and by how much the payment has changed within timeframe, clarify any fees incurred with date, and disclose all tax and insurance disbursements with date. Finally, please include a complete accounting disclosure of the " unapplied funds '', since acquiring this loan as Greentree Servicing in ( XXXX ). I plan on having this default reviewed by my attorney. I do not trust this mortgage servicing company is acting in good faith, and transparent accounting is not available through their website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
tried to set up free monitoring with Trusted ID that is being offered due to Euifax security breech. Had a problem trying to do this online and contacted Equifax. They explained that they were having a issue with my web browser and a few others and referred me to a number for Trusted ID. Called that number and was given another number and the loop began. The final answer is that no one can or is willing to assist consumers like myself who ca n't register for this FREE service this is only needed due to a problem that Equifax created.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Experian Information Solutions Inc.
State: GA
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 have reached out several times with attempts to get accounts on my credit that are not mine. I have reached out again to those companies and cant get anywhere. Some of the accounts did come off but there are some still remaining XXXX, XXXX, XXXX XXXX  XXXX, and XXXX XXXX. I really need some help this because Im doing this on my own behalf. I have already reached out to the FTC and filed a complaint.

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 2017-10-09
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:
I received an alert that a collection account had been added to my credit report. I pulled my credit report to find out what this collection account was for. Well the collection company is trying to collect for an online payday loan that they have no legal authority to collect on as the loan was not legal and the State of California issued Desist and Refrain Order and Order Voiding Transactions and to Disgorge All Charges and Fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: MoneyLion Inc.
State: NY
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:
On the second of XXXX I had my wallet stolen, which contained my social security card, drivers license, and insurance card. I had to replace everything and when I check my credit report I see 2 accounts that were closed that I had never opened. XXXX and MoneyLion, these were apps where you can get a loan simply inputting personal information. I checked the accounts and they were severely delinquent. This severely impacted my credit which is just completely unfair. My information was used by someone else to obtain money from the loans which were never payed back. When disputing the errors on my credit report in experian the fraudulent accounts were not taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: ECMC GROUP, INC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have a student loan, XXXX I wasnt sure I had, since I had just paid off XXXX. Anyway the collections emails started, and then the calls. On the call, the woman asked for not only payment, but wanted all my tax info, including all my wife 's information. Since I was at work, I told her, repeatedly, like 4-5 time, that I do not have the info she was requesting. She kept asking for it, asking for a ball park estimate, all kinds of ways. I finally told her the only way I could possibly get her the info was to walk off the job. She said fine and that she would call me later in the evening. Then, a few days later, I got a letter stating my wages were going to be garnished in the next week, and then the week after that, my paychecks were being garnished. Also there is almost XXXX dollars charged for for collection fees. All the money they are garnishing is only going to interest. I tried to explain that I had tried multiple times to submit for a loan rehab, but the website will not progress past the second to last page, even when I switched browsers. That tells me it is theirissue, and not operator error

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 2016-05-01
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Calvery Portfolio purchased account # XXXX from XXXX XXXX XXXX XXXX XXXX FL XXXX, which was opened XXXX XXXX and first reported to the Credit Bureau oh XXXX XXXX. Calvery Portfolio changed my Date Opened to XXXX XXXX and First Report date to XXXX XXXX. I filed XXXX disputes with the Credit Bureau and they failed to properly investigate this matter, I called Cavalry spoke with XXXX XXXX employee # XXXX tried to explain to him they are reporting incorrect information to the credit bureau ( the date open is incorrect, last balance is incorrect ) and I would like to have this inaccurate account removed from my credit report, he said he had no way of removing the account and the only solution he offered was to reopen the account to collect more money from me. I would like a investigation done on my behalf because the credit bureau is not do their job in fully verifying the information is

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I began receiving automated calls from XXXX beginning on XXXX/XXXX/16. First call at XXXX XXXX and the second at XXXX XXXX. On XXXX/XXXX/16, the first call was at XXXX XXXX and the second at XXXX XXXX. On XXXX/XXXX/16, the first call was at XXXX XXXX and the second was at XXXX XXXX. On XXXX/XXXX/16, I received one call at XXXX XXXX. On XXXX/XXXX/16, I received the first call at XXXX XXXX and the second at XXXX XXXX. On XXXX/XXXX/16, I received one call at XXXX XXXX. On XXXX/XXXX/16, I received the first call at XXXX XXXX and the second at XXXX XXXX. On XXXX/XXXX/16, I received one call at XXXX XXXX. On XXXX/XXXX/16, I received one call at XXXX XXXX. On XXXX/XXXX/16, I received the first call at XXXX XXXX and the second at XXXX XXXX. Today, XXXX/XXXX/16, I received a call at XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
MY MORTGAGE WAS BEHIND APPX {$5300.00}. I SENT GREEN TREE SERVICER {$5000.00} IN THE FORM OF AN ONLINE CHECK. MY BANK RECORDS REVEALED THAT MY CHECK WAS CASHED XX/XX/XXXX. THE BANK DENIED EVER HAVING THE CHECK AND CASHING THE CHECK. I SPOKE TO MANY, MANY SUPERVISORS AND MANAGERS IN THE COLLECTIONS DEPT REQUESTING TO RECIEVE MY CHECK BACK BECAUSE I WAS TOLD THAT I WAS IN FORECLOSURE AND THEY COULDNOT ACCEPT THE CHECK. AFTER BEING IGNORED BY EVERONE I SPOKE TO ... .. I REALIZED THE ONLY OPTION I HAD WAS TO SEND THE BANK THE ADDITIONAL FUNDS TO BRING MY ACCOUNT CURRENT. THOSE FUNDS WERE IMMEDIATELY RETURNED TO ME FOR PARTIAL PAYMENT. XXXX OF THOSE CHECKS WERE SENT TO THEM THE EXACT SAME WAY AS THE {$5000.00} CHECK THAT I SENT SO I WAS CONFUSED AS TO WHY THEY COULD SEND THOSE FUNDS BACK SO SOON BUT NOT THE {$5000.00} PAYMENT I SENT. I DIDNOT RECEIVE MY CHECK BACK FROM THE BANK UNTIL THE END OF XX/XX/XXXX ( ALMOST TWO MONTHS ). BY THAT TIME I WAS CHARGED / ACCRUED PENALTYS AND LAWYER FEES THAT WERE ASTRONOMICAL AND TOTALLY UNCALLED FOR ( AS MY PAYMENT HISTORY REVEALS I TRIED TO BRING MY ACCOUNT CURRENT MONTHS BEFORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently had a debt removed from my credit report. It was removed but also put back on. I did not receive a notice from the company that is was going back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Company closed my account after I filed a complaint with this agency for discrimination. Company refused to notify priopr to clsing my account. Compnay took over XXXX from me and can not account for it. Company did this for filing the complaint and against the terms.Company alos took my SSA disability payment and rfused to release any of it to me. Company says I have an open account but refuses any deposits or withdrwals.

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 monetary relief
Consumer complaint received 2016-02-11
Company: Scott Fetzer Financial Group Inc.
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
While I was XXXX XXXX my spouse open an installment loan contract for a vacuum cleaner in hers and my name. Upon returning home from XXXX I was informed of this contract. This contract is a fraudulent contract because my spouse did not have power-of-attorney ( POA ) to open installment contracts in my name. After reviewing the contracting it shows that my spouse signed my name as co-buyer. The salesperson should have deleted the contract because he never witness me signing the contract and never obtain a POA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-01
Company: Radius Global Solutions LLC
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
On Thursday XXXX XXXX, 2014 I received a call on my landline phone from Central Credit XXXX Services on behalf of XXXX XXXX at XXXX. The call originated from telephone number XXXX and was placed to my home phone number XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
We keep getting phone calls from a company claiming to be Amazon and they want to confirm our credit card number and information and saying that were winning something or theyre going to be shipping us an XXXX and its gon na cost {$790.00} and we dont even have an Amazon card I called Amazon confirmed all of our information and that we do not have a card and they said that this is a fraudulent phone call thats been being made to people and to not give them any information but I wanted to report them this is the phone number that theyre calling from 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 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent dispute to all 3 bureaus for XXXX information them that XXXX was in litigation and was deemed a predatory lender with proof of this information. Also I previously sent a dispute showing how they are reporting different last active dates with all 3 bureaus and have re-aged this debt which a major violation and they refuse to remove this erroneous and inaccurate information. According to the FCRA the bureaus are required to report accurate information on my credit report and they still refuse to do so for XXXX  if needed I will file a civil suit with a Consumer attorney because I am being treated unfairly as a consumer with your reporting. Please remove this account permanently from my report. Attached please find my previous dispute along with proof of the litigation from XXXX. I have also attached my Driver 's License as well as my utility bill for proof of identity. Please consider this my written authorization. 

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 2016-07-18
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Amount owed to XXXX was only for {$90.00} total on Acct. # XXXX, for XXXX XXXX XXXX, XXXX, XXXX, NJ XXXX. 
Paid in full " at '' XXXX on XXXX in XXXX on XXXX/XXXX/2016. The " Fraudulent '' amount that you presented on my Credit Report of {$180.00} was given to XXXX on XXXX/XXXX/2016. It is to be taken OFF of my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2014 I applied at XXXX XXXX TARGET for TARGET RED CARD. I never received the card in the mail and since I do not have the card number i have been unable to pay the one time charge of XXXX some odd dollars for the last just over 6 years. I just want to pay my bill and have that 6 years of delinquent payments removed from my credit score. It was at no fault of my own. I have made multiple attempts over the years to reach the TARGET RED CARD distributor and I've just about had it with their shenanigans. 
My name is XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX All I have is the last four digits of my account number provided on the receipt given upon opening the account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX is reporting information on my credit report that is not accurate in regards to what they are reporting for XXXX XXXX XXXX XXXX XXXX XXXX. I have tried via certified mail as well as on the phone to get them to delete the incorrect information yet they choose to willfully neglect this situation. 

I used the XXXX XXXX at XXXX XXXX XXXXXXXX XXXX XXXX for the XXXX XXXX XXXX XXXX  which was on XXXX XXXX, XXXX. They told us we needed to pay {$1500.00} prior to the XXXX and they would take whatever the insurance paid towards the procedure. We paid the {$1500.00} PRIOR to XXXX XXXX, XXXX yet they are INNACURATELY reporting that the payment was made on XXXX XXXX, XXXX and a {$25.00} payment made on XXXX XXXX, XXXX. NO PAYMENT WAS EVER MADE AFTER HIS BIRTH BECAUSE EVERYTHING WAS PAID IN FULL! 

I contacted the billing department on numerous occasions and spoke with XXXX and XXXX, the office manager. I told them they were reporting inaccurate information and they said they ca n't change a statement that was already printed and continue to report this innacurate information to the credit bureaus. They have violated the Fair Credit Reporting Act and The Fair Debt Collection Practices Act numerous times despite trying to resolve this and get them to report the correct information. 

I would prefer to solve this amicably and have them remove this from my credit report as it is inaccurate, a violation of The Fair Credit Reporting Act, The FDCPA and also over 7 years old as allowed by the credit bureaus. If they refuse to remove this I will be forced to take legal action in the XXXX Judicial Court In and For XXXX XXXX XXXX. 

I thank you in advance for your help and cooperation and look forward to an amicable resolution. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

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 2021-10-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a dispute letter to Experian for XX/XX/XXXX for a charge off that has been paid to XXXX XXXX XXXX  XXXX amount number - XXXX. Experian received the letter and sent me a letter on XX/XX/XXXX stating that my account is updated.

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 2015-10-30
Company: Data-Central, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX sold a debt to XXXX XXXX XXXX, the letter I Have attached from XXXX did not validate the debt, also the letter states the letter states the amount was XXXX and it was from 2010. why wait till now to turn it over to the credit bureaus? I have spent hours tracking this debt and it has been sold to XXXX other debt collections companies the last one Data Central Collections turned it into the XXXX major credit bureaus. attached is a page with the collection on my credit report. My understanding the law states they can not add to the debt and they are trying to collect {$1300.00}. 
Neither of the XXXX collections agents that bought the debt notified me of the debt before reporting it to the credit bureaus if they had i would have ask them to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
HESAA loan there are really no repayment options except defaulting everything else no one really qualifies for if you can even get any info on it this loan was represented to me as a government loan not a private lender to make matters as bad as can be the website is almost impossible to even enter- i have to try at least a dozen times before i can even get to the login page. making a timely payment becomes impossible unless you have a few hours to devote to trying. there is no way to get billing notifications either through email or snail mail until you are late, then you get tons of them. is it really so much to ask for automated electronic billing? at the percentage they are collecting?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: EQUIFAX, INC.
State: NC
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:
I have a car loan with XXXX XXXX XXXX XXXX XXXX XXXX. They are reporting my payments late. I am current on my account. They have me as 60 days late on Equifax and I have called XXXX about this issue and they have fail to correct it. I have also disputed this with the credit bureau as well and nothing has changed. I am current on this account.

Company response to consumer: Closed with non-monetary relief