BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-01
Company: EQUIFAX, INC.
State: FL
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 am writing a request that you stop reporting certain things that are on my credit report. There are many debts from companies and I dont know who they are. For some, I did see creditors that I recognize but theres no way that I could have incurred that much debt with those companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am writing a request that you stop reporting certain things that are on my credit report. There are many debts from companies and I dont know who they are. For some, I did see creditors that I recognize but theres no way that I could have incurred that much debt with those companies.

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 2022-09-16
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In early XXXX, my Amazon Store Card account was closed. I received a letter listing the reason for closure as : " Payment and unusual purchase history on your credit account that Synchrony deems may be indicative of future intention not to pay ''. 

My account was paid off at the time of closure. I've always paid on time in full since I first received the card over a year ago ( likewise for all other accounts in my credit history ). I had a reward balance of {$1100.00} that was forfeited as a result of Synchrony closing my account. I believe my account closed in bad faith with the intention of denying my rewards. I would like Synchrony to either reopen my account with the original reward balance or pay out the rewards that were forfeited when they closed my account.

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 2016-10-17
Company: Resurgent Capital Services L.P.
State: NY
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:
I have contacted XXXX XXXX by phone several times and they will not speak to you. I have sent 2 certified letters to XXXX and they will not respond or provide proof. they have now assigned the account to XXXX different collection agencies. Each agency finds the debt is NOT mine and returns to XXXX. 
XXXX claims I owe XXXX {$1000.00}. They placed on my credit report on XX/XX/XXXX. They, XXXX, or there debt collecting representitives can not and will not provide me with proof of debt owed. 
Amazingly enough, I have been on contract with XXXX since XX/XX/XXXX and currently still am. XXXX or any other company would not enter into another contract If you owe money to them. The XXXX credit agencies keep removing XXXX from my credit report and XXXX keeps putting it back on. This has been going on for about 9 months. This must stop. Provide proof or remove from credit and keep it off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-07
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
MRS associates keeps calling me multiple times a day I 've told them to stop. they keep calling. Not my Debt, not even my name.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: EQUIFAX, INC.
State: FL
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 had an account with XXXX ( Acct. XXXX ). In 2018 I had an accident and was out of work. I contacted XXXX and an associate advised that I could have two deferments on the payments. I took those and the began paying again two months later. 
When I pulled my report recently, I noticed a string of 30 day delinquencies starting in XXXX of 2018 and running through XXXX of that year. 
I contacted XXXX and found that apparently the associate I spoke to had only applied ONE of the deferments that was granted to me. 
The payments I was making after that point were simply keeping the account from going 60 days past due. 

This is an error on the part of XXXX ... NOT on my part. I have disputed this with your bureau and it remains on my file. 

Perhaps XXXX correcting it on their system is not enough to update it on your system. Regardless is is hurting my score through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Avant Holding Company, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid AVANT CREDIT CARD LONG TIME AGO AND ITS BERRY IRRITATING WHEN THEY PUTTING WRONG INFO ON MY CREDIT REPORT LIKE IM SOME CRIMINAL THEY GONA HAVE TO XXXX FROM MY LAWYER OF THEY DONT REMOVE FROM REPORT ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I contacted LVNV about an old debt that I was tricked into paying after statute which is being paid as agreed. While I was talking to her, she found another old credit card debt from 20 years ago which was paid to a different creditor, but is back on their books with outrageous interest. The statute of limitations is 6 years in our state. They sent me a letter demanding a response within 30 days or they will take legal action against me for a 20 year old debt that was already paid to a different creditor. They are basically bullies taking people 's lunch money. I do not know whether to reply or not. The last time I replied to LVNV about a 15 year old debt out of statute, they sued me and I am still paying it. The amount is easily XXXX the original amount owed to the credit card. Our local judge just pushed these through and takes the money for the local court. Please help us. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
complaint number # XXXX on XX/XX/XXXX to whom this maybe concern : my husband and i XXXX and XXXX XXXX and XXXX XXXX are still having issues with my our mortgage company ocwen loan servicing llc.i '' ve been trying to get a loan modification to bring my mortgage payments current i sent my mortgage payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all payments that i sent to them they 're was rejected and they saying that this is invalid account number they want us to send them q large amount of money at XXXX time.but i did n't have a large amount of money to send to them.the payment for XX/XX/XXXX i have the mortgage account statement show for that payment on XX/XX/XXXX in the amount 0f $ XXXX.in my escrow account balance is ( {$5500.00} ) but they saying i have a XXXX balance showing on this account the mortgage rate on this loan is 9.75 % that is to high.this is to sad for a mortgage loan company to have a interested rate so high.but ocwen loan servicing do not wont to talk about the monet that i have left over in my escrow account so i can bring my mortgage current.i had a pipe bursting in the wall my insurance company send me a ckeck for ( {$3700.00} ) I call ocwen loan servicing and told them that my insurance company send me a check and told me to send the check to them and they will br endorse the check back to me .ocwen loan servicing took so long to send the check back to me they 're still hold the check.i pay my on property taxes, but some how they are charging us for that when i pay for it myself.i have enclosed some documents some of which i printed from my account on their customer site.we just want to get back to where our account is at good standing.i 'm not interested in losing my home at all.my husband is sick and i have XXXXyear old grandson that i 'm raising. sincerly, XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On my credit report on XXXX, my student loan debt is double the amount that it should be at this time. I contacted XXXX and transunion about the problem. 
I contacted TransUnion because XXXX lets me know that all information on the report come from transunion. Transunion reported to me that they had my debt at XXXX.and XXXX has my debt at XXXX I informed both websites of the problem and nothing has happened. TransUnion has the same debt on their report XXXX, it is upon the report as XXXX ( XXXX XXXX, 2013 ) and it is also on the report in individual loans that equal XXXX I never had XXXX loan of {$18000.00} at one time. I had individual loans that equal XXXX. 
This mistake has caused me to be denied credit and employment.

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 2020-10-01
Company: Nationwide Recovery Systems, Ltd
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rent office space in XXXX, MA from XXXX, and have used XXXX for approx 5 years. I recently received fraud-filled notices that I owed {$5300.00}. ( Email subject line, " Case File : XXXX XXXX XXXX XXXX. [ redacted ] Balance : {$5300.00} '' ) These emails surfaced twice when I owed no more than a single month 's rent -- approx {$500.00}. The emails are sent to me from a debt collection agency in XXXX, and the content of the emails is threatening and filled with fraudulent claims. Specifically, the collection agency states if I overnight a check for {$900.00} my debt will be forgiven, but I don't owe anything like {$900.00}, so demanding payment in this amount to alleviate the debt amounts to extortion. Furthermore no one has reached out to me to discuss this matter, as claimed in the email sent. I have called and emailed XXXX on numerous occasions and received NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions Inc.
State: MO
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 have made many attempts to resolve an issue with my credit reports from XXXX, Experian, and XXXX. I have disputed and ask for real validation of current owed balance. Since the pandemic I have fallen behind just like all americans. I have followed the Cares Act and made attempts to resolve my debts with my creditors, at the least to get a statement on my report that I'm affected by XXXX. No one is responding to my inquiries. I will like my protection under the Cares Act to be in affect but if I'm being ignored by these companies, how can I be treated fairly? Attach is a letter that I sent to my creditors 2 months ago.

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 2021-03-11
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on the refinance of my loan on XX/XX/2021. LoanDepot charged pre-paid interest on my new loan from XX/XX/2021 to XX/XX/2021 but paid off my previous loan only on XX/XX/2021. I sent multiple emails to LoanDepot asking them to refund the 3 days of interest I overpaid on the new loan. So far, I have not received the refund

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-22
Company: Caliber Home Loans, Inc.
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Why did your company deny my right to a complete servicing file, in CFPB complaint number XXXX? In your response dated, XX/XX/2016, your company responded ; " Please note, all other items are considered unduly burdensome and will not be provided. '' My house has a set foreclosure sale date, XX/XX/2016, due in part to errors contained within account. How is assisting me, by providing requested documentation, I have rights to under RESPA, in efforts to prevent the foreclosure of my home, " unduly burdensome ''? How is obeying, rules and regulations, set forth by RESPA, in execution of duties as role of servicer, " unduly burdensome ''? Please explain in detail. 

Your companies arrogance, and blatant violation of rules, set forth by agencies of the US government are troublesome, and should IMEDIATLY, brought to the attention of regulators, and appropriate action should be taken, at once. 

Please cease foreclosure proceedings in relation to this account, and fix all errors, in relation immediately! 

Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got this mortgage from XXXX and I never missed a payment, Lately I have been sending big amounts towards the principal with the last payment of XXXX dollars on XX/XX/XXXX. After the last payment, my balance ( which I follow very closely ) was XXXX, but when I tried to make the payment, the website ( XXXX ) did not allow me to do so and wanted to charge me the previous monthly payment of XXXX dollars. I tried calling them several times and there was always a problem with the comminication, there were always busy and the waiting time was too long and they always told me to call later, I emailed them more then 15 times and I only got the same message saying " someone will call you soon " but they never did. then I try to pay on the website the whole previous amount since I did not want them to say later that I did not pay on time ( why would I do that when I never missed a payment? why would I do that on XXXX dollars when I paid XXXX dollars in principal payments this past year alone?, ridiculous!!! ), the website did not allow me to do the payment, so I tried fast Pay in which I was enrolled on their website and also did not allow me to do so, so I sent a check to Lakeview Loan services LLC since thet is the address in Pa where the payments by check can be sent, this was done 4 days ago ( before the payment was due, which is on XX/XX/XXXX ) and they never credited me for the last payment. Today I called the call center and I explained the situation and the person there said " you owe XXXX????? ) I said no, look on the website and you can see where it says " your remaining balance is XXXX dollars, but she did not want to hear what I was explaining. so tomorrow is the deadline, they are not answering my emails or phone calls and they will argue that I did not pay on time, I will file a complaint with the Banking comission against Lakeview and XXXX too.

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 2015-03-30
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
RE : Complaint # XXXX. - XXXX XXXX XXXX XXXX XXXX XXXX. 
NOTE : Also was " threatened '' by a " XXXX '' with XXXX in XXXX regarding this debt, threat to sue me, and nasty cursing over telephone to me, about XXXX XXXX. 

Now, I called XXXX to get info on debt. I was transferred to " XXXX XXXX '' who stated that my Debt was " sold or transferred as of Friday, XXXX XXXX, XXXX. '' I did not receive notification, also when I contacted XXXX in XXXX XXXX, XXXX XXXX " agreed with me over phone '' that I requested by letter a verification of my debt and that XXXX deliberately provided " no response '' to me. 

I was given only a phone number to contact regarding my account. After calling, I discovered the " account '' is now with " Resurgent Capital Services LP '' of XXXX, SC. 
the original debt was with XXXX XXXX XXXX ( actually it was XXXX XXXX ) on XXXX XXXX, XXXX. 
I was not given proof of the debt, by XXXX, and was not prior notified that the debt was moved again! 
Also " new debt collector '' ( spoke to XXXX XXXX with Resurgent at XXXX on XXXX XXXX, XXXX. Phone number XXXX called to reach Resurgent : ( XXXX ) I also have not received notice of right to dispute ; and requested verification of debt from XXXX XXXX XXXX, which was ignored and denied. 

XXXX 's get these companies to properly comply with FDCA and keep customers aware and in communication of anything debt related. I am Disappointed, Frustrated, and Disgusted! 

I only want to clear my credit, and stop dealing with these nasty people. By the way, XXXX XXXX stated that I " would not receive a regular written letter statement of balance '' and that I had to " call in to us periodically to get your current balance owed. " Please assist me to stop the harassment, threats, and lies/deceit from these companies and allow me to clear my credit history. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and score.

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 2015-07-13
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX I informed PNC Bank that I was a victim of a scam and fraud. I asked PNC to close the account and reopen a new account. PNC DID not investigate and informed me that I would have to repay the funds. On XXXX XXXX PNC went in to a joint account that my fianc and I have and took his entire check as well as closed the account with out prior notice or gave us the chance to work on payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I opened a Mortgage loan with National City XXXX in XXXX. National City sold the loan to PNC Mortgage. 
After becoming XXXX in XXXX in XXXX, I went through a nasty divorce and was forced to declare bankruptcy. The PNC loan was discharged in my bankruptcy. 
According to PNC records, PNC then sold the loan to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX.after the XXXX bankruptcy discharge. XXXX has been reporting a balance on the loan falsely which I was recently able to reverse. 
PNC is still listing ownership of the loan on my XXXX credit report. 
This means that my credit report has been wrongly reported as having XXXX separate mortgages. XXXX for XXXX and XXXX for PNC.when infact there was only XXXX. 
I disputed the reports with all XXXX credit beaureaus. XXXX still reports XXXX mortgages. 
I have contacted : XXXX PNC Mortgage to request the removal of the inaccurate report to all credit agencies, since this error has caused me to suffer unfairly. Pnc each time told XXXX that the information was correct even though thier own records show that they no longer have ownership if the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see attached and provide the information listed below : 1 ) An explanation of what this alleged account balance is for. 
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 

Compliance with the request is required under both federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Chime Financial Inc
State: MS
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:
This is in regards to a Chime card account. On or about XX/XX/2021 my account was activated and I went into XXXX and put {$400.00} onto the chime card. I used the card for two days with no problems. Then I tried withdrawing money from an atm using the wrong pin number, chime then closed my account and have not returned MY money which is over {$300.00} dollars!!!! I have sent many emails to chime in regards to my funds being sent to me via a check. Chime will only say they can not disclose any information.

Company response to consumer: Closed with explanation