BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-21
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/XXXX I was working for a company that was unable to pay a business Discover card. Despite the fact that the debt was time barred from collection against me in XX/XX/XXXX Discover reports to my XXXX credit report that the debt was charged off in XX/XX/XXXX AND collectible. When I call to ask why they are doing this they attempt to collect on time barred debt. They are falsely reporting a balance as COLLECTIBLE to my XXXX and XXXX credit report to collect on time barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$1000.00}

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 non-monetary relief
Consumer complaint received 2016-05-20
Company: ECMC GROUP, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX XXXX from a group called Premiere has been harassing relatives and friends regarding an outstanding debt they say is owed by me. I have requested a " Validation of Debt '' and they refuse to acknowledge or forward anything to that effect. They continue to harass and threaten or give me any other information. PLEASE INVESTIGATE THIS GROUP. The only number I can get for them is XXXX. There are numerous lawsuits against this company. PLEASE STOP THEM

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: CT
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:
DISPUTE CODE - XXXX My personal information was stolen in 2018, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please delete and remove all inaccurate inquiries and accounts I have listed immediately, the following includes : XXXX CARD : XXXX XXXX XXXX : XXXX XXXX  : XXXX XXXX  XXXX XXXX  : XXXX XXXX  XXXX XXXX  XXXX  : XXXX [ FRAUDULENT XXXX ACROSS ALL XXXX CREDIT XXXX ] XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX 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 hand written instructions. 
15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2015-04-18
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
THIS LOAN WAS SOLD TO SETERUS BY XXXX. THE STATEMENTS WERE MAILED TO MY ADDRESS INSTEAD OF MY PO BOX IN XXXX. THERE IS NO MAIL DELIVERY TO MY ADDRESS OR ANY IN THE TOWN OF XXXX, ONLY PO BOX DELIVERY. I DID NOT GET THE STATEMENTS AND, THEREFORE COULD NOT PAY THE BILL. I WAS NEVER LATE ANY OTHER TIME. IT SHOULD NOT BE REPORTED AS A LATE PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Seterus, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our home loan was sold to a company called Seterus. It has been over XXXX months and I have not been allowed to speak to anyone about my loan and it has been nearly impossible to make a payment. We are in bankruptcy and they said they would need a letter from my attorney authorizing them to speak to me about my loan. That letter has been provided XXXX times to them. I then received a letter from my home insurance company ( XXXX ) stating that the insurance escrow had not been paid to them. I have spent countless hours trying to speak to Seterus and they continue to tell me that they can not speak to me. My home is on the verge of being uninsured and I am at wits end. In order to pay my house payment I finally had to go to the bank and get a pre-paid bank check to send to them. I am very frustrated and do n't know how to move forward with Seterus. Any help you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account status incorrect

Complaint:
I would like USAA to provide me with their policy for applying payoffs to auto loans. In particular, I'd like to find out what notification processes they use to confirm receipts of payoffs and handling incoming mail. I would like to also find out if the payoff check I sent to them was dated and time stamped upon receipt. I currently, have an error on my credit report for XX/XX/2018 and what like to know why the payment was not applied in a timely manner before reporting the account late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Previous complaint number XXXX. Filed XXXX XXXX, XXXX. The company has responded to the complaint the following : In response to your complaint, Portfolio Recovery XXXX, LLC ( XXXX XXXX investigated and verified the XXXX account ending in XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. XXXX purchased the XXXX  XXXX Bank XXXX XXXX XXXX, XXXX. XXXX " XXXX XXXX '' ) XXXX account ending in XXXX on or about XXXX XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XXXX XXXX, XXXX, by XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$560.00} was due on the account at the time of XXXX XXXX purchase. XXXX sent its initial notification letter to you on or about XXXX XXXX, XXXX. XXXX has no record of a response or a dispute being received in relation to its initial notification letter. XXXX has received and responded to several disputes. In response to XXXX of your disputes, XXXX previously sent you the attached letter containing validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account is a total mistake itself. Previously reporting collection while derogatory/ charge off at the same time with inaccurate date last active reporting zero data on payment history and date of last payment with XXXX XXXX and XXXX XXXX reported no account whatsoever. Currently account is stating as open account. Now, added payments to payment history stating as OK as agree all the way from XX/XX/XXXX to XX/XX/XXXX with 120 days late on XX/XX/XXXX and XX/XX/XXXX by XXXX while XXXX is reporting consecutive charge off as if it was some sort of payment method. date less active stating incorrectly reporting as XX/XX/XXXX by XXXX and XX/XX/XXXX I XXXX  while XXXX Reports XX/XX/XXXX yet data is missing on the last payment there is no possible way that account couldve gone from collection back to open account from reporting zero data on payment history to reporting a whole report of payment history by XXXX while XXXX reports nothing but charge-off and XXXX XXXX is definitely not reporting any data on payment history. This is not tolerated information must be 100 % accurate at all times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Experian Information Solutions Inc.
State: MO
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:
Applied for mortgage through XXXX XXXX and they said my report included my dads credit cards and mortgage. I dont own any property and have no XXXX or XXXX credit card.

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 2022-10-12
Company: Nelnet, Inc.
State: CA
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:
Initially called on XX/XX/2022 to request a refund on eligible loan payments. The service lady mentioned all three payments and assured me the refund request for all three would be submitted and my original loan balance reinstated. 
On XX/XX/2022 I finally saw movement in my account but realized only one payment was removed and the balance for the payment of {$5500.00} was reinstated. It is now XX/XX/2022 and I have yet to see anymore payments being removed from my account. I called on XX/XX/2022 to see if there were any updates and the service lady could not see anything more than the refund being processed, she could not tell me whether or not all payment refunds were requested. I asked her to submit another request for the remaining two payments but I am unable to wait another XXXX weeks just to get the rest of my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: CITIBANK, N.A.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Macy 's Credit card is incorrectly reporting the date my card was Charged off. The Card was charged off/closed in XX/XX/XXXX however, they have it showing charged off in XX/XX/XXXX. Macy 's also shows that the card is 120 days late starting up again in XX/XX/XXXX however, the card is closed, nothing was charged since the charge off, and it was sold to a debt collector prior to the late pays being reported as though my card is still with Macy 's. I also contacted the credit bureaus who will not fix the issue. Macy 's will not send me verification that the card was charged of in XXXX and they violated FRCA 623 ( a ) ( 5 ) as they did not report the charged of date accurately within 90 days of the charge off.

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 2015-12-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had purchased a XXXX XXXX protection plan effective date XXXX/XXXX/1998 with group policy number XXXX and XXXX with certificate number XXXX for account number XXXX.wich would cover my balance my account if I get unemployed or XXXX. unfortunately I became XXXX and I notified the insurance company what just happened and become XXXX. and next thing I know I have a collection agency after me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. Although I talked to the company and they agreed to delete the accounts in my file. I keep my own accounting records for payments, and the one you have does not line up with what I have. Please remove the accounts : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: TN
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:
The Experian reporting agency is an absolute nightmare to work with. Their voice menu system is completely counter productive and it is impossible to reach a live person. My account was tied back a fraudulent recovery e-mail and I still am unable to access it as I can not get any type of support. However if I am a business I would have had no problem reaching a person. Because of this I am unable to enter a dispute regarding my credit report. I believe this is illegal activity.

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 2021-01-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I bought a home in XX/XX/2018 which included my escrow account as well.My payment with the escrow account was {$1600.00} and it remained the same for 1 year with fixed interest rate of XXXX after 1 year my payment was reduced to {$1400.00} still with the escrow account without any reasons disclosed..It remained the same till last year in XXXX and without giving any explaination the monthly payment went up to {$1700.00} and after 2 months in XXXX the monthly payment went up to {$2300.00} again without any explaination. I called the lender to know wht was going on but without sucess and when i asked to talk to a senior person that too was denied..I stayed on the phone line for 3 hours being transfered here and there and finally came the answer that there is a shortage in my escrow.But my question is how can there be a shortage when i have never missed a payment .This they could not answer and after there calculations to which i have no idea how it was done they agreed to reduce my monthly payment to {$2000.00} and that to for next 3 years..If u do a simple calculation if they are saying my escrow payment is {$940.00} for a month so for 1 year I am suppose to pay {$11000.00} and my property tax for the year is {$4000.00} which includes my taxes and insurance and if I pay {$940.00} for 3 years i will pay for my escrow {$33000.00} which does not make any sense.I would say its a total rip off and during this pandemic iam just struggling to keep up with this kind of behaviour. I would appreciate very much if someone can solve this matter. 
Thanking You in advance.. 
i would like to give my information as follows.. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone..XXXX Mortagage Company ... Carrington Mortgage XXXX XXXX XXXX, XXXX, CA XXXX phone ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: World Acceptance Corporation
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Freeman fiance XXXX collection agency XXXX from XXXX not XXXX incorrect reporting info and balance on my report for years!! 
Keep reporting info that was settled XXXX loan was paid off XXXX dollars the XXXX loan is obsolete due to the collection rep from freeman came to my home to collect payment after I went to the office to pay on time by check for {$50.00} dollars but was refused!! 

The other case was XXXX ... third party pymt co in XXXX ga XXXX XXXX I bought a XXXX XXXX XXXX paid it off then they called me for a trade but the location was at a different location small, house XXXX XXXX males I went to the main lot lack of trust another salesman found me a XXXX XXXX truck after I signed for it the paperwork was diff from what I got in the mail XXXX on the truck pymt were higher XXXX mo plus the truck had mechanical issues the rep said the parts are rusted in site at that point XXXX REFUSED TO GIVE ME BACK MY XXXX ... this was not only a violation by theft and misleading but a Robbery!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Ditech Financial LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We have requested identification of original debt for this debt collector. We do not have any open debt that relates to the account # they are claiming. Furthermore - despite repeated attempts for copy of original debt, we have received nothing. We are receiving sporadic debt collections mail, pre-recorded phone calls. This harassment is impacting our health as well as our credit rating and want this to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage account with Ditech for non-owner occupied dwelling. Property management firm pays mortgage on my behalf. 
XXXX payment received XXXX. Ditech mis-applied payment to another account mortgage company also pays on behalf of another client. Ditech attempted to call me starting XXXX, unfortunately I was on business travel and unavailable. Connected with Ditech on XXXX. After several phone calls Ditech agreed to their error, reversed late charges and corrected account. On XXXX Ditech contacts me again with another claim account past due. XXXX check cleared bank XXXX, hence could not have been past due. On XXXX again after several calls with Ditech they agree to waive late charges. However, on XXXX Ditech informs credit reporting agencies my account is not paid in timely basis, credit score drops XXXX points. Ditech commits to inform credit agencies, but given recent event I have no confidence Ditech will do as commited

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have a credit card through Bank of America, opened 13 years and 1 month ago. I have been a loyal customer and paid on time for years until I was impacted by the Coronavirus pandemic as well as a personal XXXX  crisis. I lost my job in XXXX as a result of the pandemic, and also contracted XXXX  while XXXX, which created a cascade of health issues requiring hospitalization and ultimately the XXXX  XXXX  of my son, who was then admitted to XXXX. During this time I suffered a second job loss since I did not qualify for FMLA with my new job. I attempted to login via Bank of America 's app to pay my credit card bill during this time, but was locked out of my account. In order to unlock the account, I needed the full account number, but did not have access to this, since I never received a paper bill and my household goods ( with older statements ) were in storage after being forced to move in with family ( again, due to the pandemic ). I called Bank of America on XXXX XXXX2020 once my son and I were well and requested my login be unlocked, paid my current bill as well as the next month 's, and requested the late payments reported since XXXX, 2020, be removed from my credit report. Ultimately I was denied, even after escalating the call.

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