BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: CrossCountry Mortgage LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am the spouse of a Veteran. My husband abandoned his home in XXXX XXXX. The house is in his name. I am still residing in the home. During the pandemic we were put on a 12 month program for the payments my husband had authorized me to talk to them then. Now when I reached out to them they are saying they don't have the authorization from him this is a lie. They are refusing to give me any information on the loan or even tell me what the amount is to pay. I want to keep the home but if they are not going to communicate with me the house is subject to foreclosure! That means I will be homeless. I have not spoken to my husband since he left or have I seen him. Also I have programs and resources to help me with the payments but again they are refusing to speak with me on this matter. I was told by one party to fax in a letter saying when he left and then they would further assist me but then when I called back to make sure I had the right fax number they said whoever gave me that information was incorrect and they couldn't discuss anything with me two different rules. I am trying to keep my home at this point I have no other choice but to go through the court system which I wasn't ready to do but I don't want to lose my home either. I need help resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: STERLING JEWELERS, INC.
State: GA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Due to a job loss Kays placed my account in a special status which reduced my payments for an extended period of time beginning in XXXX. Kays failed to send me any notification that the reduced payment plan ended after XXXX to four months and because of this I was paying the reduced amount of {$90.00} a month instead of {$130.00}. I observed that my payment due was increasing and reached out to Kays in regards to this issue and at that time I was informed that my payment plan had stopped. I requested an extension on my payment plan at which time I was mailed my unemployment insurance forms that were associated with my Kays account and was instructed to mail them back in. I returned the forms and continued to make my Kays payments, but heard nothing back from Kay in regards to my insurance on my account. I continued to pay my account but was continuously receiving phones every hour about my Kays account and my balance due. I spoke with a rep about the calls and she informed me that the calls were on an auto-dialer and that she would remove me from the auto-dialer service but I may still get contacted about my account. I continued to make my payment utilizing the Kays website and in XXXX sent my payment for {$130.00}. Apparently my payment was returned because I entered the wrong account information, but I was never informed by Kays. Instead Kays reported me 30 days past due. I contacted Kays on XXXX XXXX, 2016 in regards to this and I was informed that I was placed on a do not call list by accident. My name was removed from the list. Because of the error Kays agreed to lower my payment and stated that they would adjust my credit report for the month of XXXX but I would have to file a dispute with the credit bureaus which I did. Kays failed to remove the 30 day late mark and instead just updated the balance due and the payment due on the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: LOBEL FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Lobel Financial increased the amount showing for a charge-off on my credit report from {$6900.00} to {$12000.00} without reason. During a phone conversation with XXXX in the legal department on XXXX at XXXX she explained that I had paid the balance of the vehicle down to {$6900.00} and the vehicle was sold at auction for {$3500.00} which meant the balance should never had doubled on my credit report. I never received a notice that the vehicle would be sold at auction and the vehicle was returned in XXXX of XXXX. Also, they never sent me a surplus deficiency letter, so I did n't know if they required me to pay an additional balance. The information that Lobel Financial is reporting on my credit report is inaccurate and must be removed according to being in violation of the FCRA. I would like to have this removed from my credit report because I feel that Lobel is being deceptive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This company continues to contact me at work after I have indicated that I should not be contacted at work. 

I requested all contact be in writing but they continue to call. 

At first it was a male calling me and I informed him I would contact the doctor 's office and he told me people like me was causing this doctor to almost have to close his doors because we refuse to pay our bills. Again I told him I would call the doctor and he said the doctor 's office did not want to talk to me. This is ridiculous considering I do n't owe this company anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Stellar Recovery, Inc.
State: GA
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:
Stellar Recovery, Inc has continued to collect a debt from me that I never owed them. I never established a contract with this company and they stalling to remove all the negative items from my credit reports immediately. They are in violation of the FCRA and the stature of limitation are up on the suppose debt and it not my debt and no longer collectable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The Following Accounts are CURRENT AND IN GOOD STANDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX POINTS UNECESSSARY THUS DECREASING MY FICO SCORE AND HINDERS MY FINANCIAL OPPORTUNITY. THIS IS CONSISTENT AND ON GOING PROBLEM MONTHLY. I HAVE CONTACTED TRANSUNION REGARDING THE UPDATES. ITS INACCURATE REPORTING.

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 2021-09-28
Company: EQUIFAX, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX Account is being reported inaccurately. It is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: Manhattan Beach Venture, LLC
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Complaint on scam XXXX XXXX XXXX asks for my SSN over the phone and personal information about my last year tax return. He also ask about how much I make a month and lot of personal income information. He stated he needed this information to see how much I owe to Federal Student Loan. I 'm worry because I gave my SSN and some of my personal information over the phone. I tried to look this company up under XXXX and nothing is coming up. XXXX XXXX stated they were legit. I copy some information from the email I was sent from XXXX XXXX, which is provided below their address to this so called company and the name. He stated they help with Student loan and to get People down to no payments or low payments and he also requested for me to attach income documents to email. XXXX XXXX phone number should up as a XXXX phone number but he stated he was located in XXXX and gave me a XXXX contact number which is provided below. I provided the company information below : The Student Loan Relief Department Contact us XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX direct line XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/2021, more than 5 claim reversals were filed against my knowledge and authority in my Chase checking account. This led to inaccurate balance. A month later, Chase started deducting automatically from my monthly direct deposits to reverse the unauthorized claims made worth $ XXXX which leads me solely responsible with the fraud and short on my rent housing money. XXXX at the local branch in XXXX XXXX XXXX way shopping mall insists on closing my account against me permission which would lead to limited use of my money and hindering my withdrawals of my monthly direct deposits. XXXX says and reassures me on the phone they will no longer tamper and touch my direct deposits. But I just checked my account and its negative balance is continuing to rise in amount due to the claim reversal fraud activity. I'm very angry at the inside fraud and incompetencies of the JP MORGAN CHASE BANKERS and their inability to bottom line resolve the problem in a timely manner. Please assist the community like myself in this big money laundering problem!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX starting at XXXXXXXX XXXX  Midland Credit Collections attempted to reach me by calling me 8 times in a row, as per my XXXX call log. The calls came from the same number, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
someone has been using my identity ssn since 2011 til present and there has been XXXX or more inquiries on my credit was hit hard and also XXXX school I do n't owe anything to them I would like that removed cause its showing that I owe when I dont owe XXXX any money its zero I would like the all the inquiries since 2011 off my records immediatelyXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX is reporting the same account multiple times thus causing my XXXX  and XXXX  score to stay in negative. The accounts are old and closed. They are being reported.muliple times.

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: GATEWAY FIRST BANK
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Communication requesting verification of debt was sent to GATEWAY MORTGAGE GROUP , LLC on XXXX XXXX, XXXX and XXXX XXXX, XXXX demanded to inspect the " Original Mortgage Note '', with wet ink signatures that shows whether or not GATEWAY MORTGAGE GROUP , LLC is the HOLDER OF THE NOTE. I believe GATEWAY MORTGAGE GROUP , LLC has sold the original Note and has failed to give credit to my account. GATEWAY MORTGAGE GROUP , LLC responded by sending a copy of the " Note '' and Deed of Trust on XXXX XXXX, XXXX. The copy of the " Note '' had been countersigned by the Vice President, of GATEWAY MORTGAGE GROUP , LLC, XXXX XXXX, " Pay to the order of : Without Recourse Gateway Mortgage Group LLC By ( XXXX XXXX 's Signature ) which violates the the National Currency Act of 1863/1864, Section 27. Also in this XXXX XXXX, XXXX communication from GATEWAY MORTGAGE GROUP , LLC, XXXX XXXX, Director of Operational Compliance stated " XXXX XXXX is the holder of your loan and Gateway Mortgage Group , LLC is servicing your loan. '' This is a breech of the contract signed on XXXX XXXX, XXXX with GATEWAY MORTGAGE GROUP , LLC, being the Lender. There was no agreement in the contract to sell, assign, or transfer the " Note ''. Neither was this disclosed to the borrower at the time of closing. GATEWAY MORTGAGE GROUP , LLC is also in violation of the National Currency Act 1863/1864 Section 28 and Section 53.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Experian Information Solutions Inc.
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:
I have notified Experian 5 times that an account they placed on my credit report does not belong to me. I did not ask Experian for a credit boost. I did not submit any documents to Experian so they can place an account on my credit report for a credit boost. I already have enough credit so I would never submit a request for a credit boost. This could be an account that belongs to my father since we have the same name

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 2016-03-31
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This agency continues to call my home despite explaining I 'm not the person there 're looking to locate.

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
Consumer complaint received 2021-09-28
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: SYNCHRONY FINANCIAL
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:
I received a letter from Synchrony Bank claiming that I applied for a LUXURY loan. I have no recollection of applying for this. Synchrony needs to remove this inquiry from the Credit Report. I'm copying XXXX on this complaint. This is incredibly concerning.

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 2017-03-25
Company: United Revenue Corporation
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
United Revenue Corp continues to NOT provide proper validation of debt. Since I have been disputing this false information they have Flagged my credit report four different times this month ... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I sent a certified letter XX/XX/2017 asking to please provide proof that this debt is valid. They did not ... instead they sent break down of fees BUT they did not provide a copy of my signature with the provider of service to release my medical information to a third party. I really do n't believe they even reached out the original creditor because United Revenue Corp did n't receive my letter until XX/XX/2017 but managed to validate this alleged debt in one day because the letter they sent me is dated XX/XX/2017. So they mean to tell me they were able to get in touch with the provider on Saturday or Sunday to validate this debt? 

I truly believe United Revenue Corp is breaking the law by 1 ) refusing to properly validate this alleged debt. 2 ) Contiuning to report false negative debt to the credit bureaus. If this witch hunt continues to happen I will seek legal counsel with the full intent to sue! I am very aware of my rights under the FAIR CREDIT REPORTING ACT. AND I also know a itemized bill is NOT validation of debt!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-03-18
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt has been sold and therefore the original debtor holds no contract with me. This debt is held without my knowledge or consent and I have never entered into any contract with united revenue corporation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-04-19
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
Remove All Inaccurate Information from my Credit Reports. ( Warning!!!! ) I received a copy of my credit report and found you are reporting incorrect information to the credit bureaus!! 
Under federal law, as a furnisher of information to consumer reporting agencies, you must conduct a reasonable investigation of my dispute and you must complete this investigation within 30 days of receipt of this letter. I demand that this information be investigated and either verified or removed from my report. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. ( You Have Been Warned!!!! ) Please send me confirmation the information has been removed from my credit files ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Remove All Inaccurate Information from my Credit Reports. ( Warning!!!! ) I received a copy of my credit report and found you are reporting incorrect information to the credit bureaus!! 
Under federal law, as a furnisher of information to consumer reporting agencies, you must conduct a reasonable investigation of my dispute and you must complete this investigation within 30 days of receipt of this letter. I demand that this information be investigated and either verified or removed from my report. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. ( You Have Been Warned!!!! ) Please send me confirmation the information has been removed from my credit files ASAP!!

Company response to consumer: Closed with explanation