BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-24
Company: Seterus, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Seterus Inc foreclosed on our home in XXXX XXXX and satisfied the entire balance owed in doing so. They continue to report a {$230000.00} open balance on XXXX for our credit report XXXX info below ) although a {$0.00} balance is reported XXXX. Because they continue to report this balance, a loan we are applying for on our present home is being denied XXXX until I can prove that the balance was liquidated at foreclosure by providing a copy of Setrus 's XXXX XXXX XXXX or a correction XXXX. Reporting XXXX is correct. I have waded thru interminable blocking phone menus and interminable CSR wait time to contact Seterus three times. The first time we spoke, XXXX XXXX, XXXX, they refused to talk to me at all because I had been represented by an attorney during the foreclosure. ( Note : this is consistent with their policy in mailing the XXXX in XXXX. They said they would and did only send it to my attorney, which caused significant delay in filing our taxes - he never received it. ), they said my attorney would have to call them XXXX at {$300.00} per hour ). The XXXX time I spoke to them, on XXXX XXXX, XXXX, they allowed that they would speak to me if I faxed a letter stating I was not represented by an attorney. I did so the same day. Today, they will speak to me, and have agreed to provide the XXXX within XXXX - 10 business days and correct the credit bureau report within tbd days. 

I am seeking XXXX action items:1. Faster response, as in today! I urgently need the XXXX or I will lose my application fee XXXX because the loan will not be completed on time. 
XXXX. Long term, their policy of not providing me tax forms, info and corrections to my loan without going through the attorney I used XXXX years ago is inane. Every other creditor, for example, provided XXXX directly to me even though they knew I was represented by an attorney. This should be changed at Seterus and across all lenders. 

Personal info is as follows : Seterus Loan Number : XXXXBorrowers XXXX and XXXX XXXX XXXX XXXX XXXX XXXX telephone and fax : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX balance of {$230000.00} reported to XXXX Credit Reporting Agency

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient called an ex boyfriend from 8 years ago and left him a voicemail with my name and that I was late on my payment. His contact information is not linked to my account and never was. I feel as if this is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
This is more involved than just my credit score. When we started shopping for a mortgage in the summer of XXXX, we ultimately chose XXXX Mortgage, which was recommended by our realtor. Shelter initially said they could give us a XXXX XXXX at a fixed rate for 10 % down on our $ XXXX purchase. Other companies could n't offer that so we went with XXXX. When it came down to crunch time, we learned that XXXX could no longer offer us that product because our credit score was XXXX, instead of the required XXXX. We also learned that we then needed 15 % down. By that time, it was too late to change companies. So we were told that we needed to have XXXX mortgages- initially both were to be fixed rate. We sought the secondary mortgage from the Bank XXXX XXXX Georgia. At the last minute, we were told that my credit score dropped to around XXXX. Now, we certainly did n't open new lines of credit or make an large purchases as we were anticipating getting our mortgage. It seems as though a " serious delinquency '' from over 5 years ago ( which was disputed and resolved ) re-appeared on my Equifax credit report. I called Equifax and disputed this report again, but it would take XXXX days to be corrected. In the rush to finish our mortgage before we lost the house XXXX our " drop dead '' date was fast approaching ), we had to accept a second mortgage at an adjustable rate. Because of all the errors along the way, we ended up with a larger monthly payment than anticipated. We have also estimated that we will pay an additional XXXX over the 30-year lives of our loans due to these errors. In a high-pressure situation as first-time homebuyers, we were in a vulnerable position and were at the mercy of professionals who we feel wronged us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
TD BANK USA/TARGET CREDIT sh ow me being late on payment s 180+ day s from  XXXX   XXXX  through  XXXX   XXXX  - That account was closed and paid in full in early  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2022 I noticed 2 fraudulent charges on my Ulta Comenity credit account for approximately $ XXXX ; one in XX/XX/2022 and one in XX/XX/2022. I contacted Ulta Comenity to speak with an agent. When I reached the agent, he said he was going to connect me to the Fraud Dept. but hung up on me after I waited almost an hour on the phone. I tried contacting the agent again, with no success, so I sent 2 messages. One message asking to freeze the account for any new purchases, and one to ask about recovering the money for the fraudulent charges. They replied by telling me to contact their Fraud Dept. by phone. This was very frustrating. I have frozen the account for any new purchases, I have reported the card stole, but now I can not access my online account to make a payment on my remaining balance. Please help me!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-19
Company: Westlake Services, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/2020 WestLake Financial Services called me about paying my car note. I explained to them that my job is closed due to this covid19 crisis. They push my payment to the end of my loan. They called me XX/XX/XXXX & XXXX XXXX  about a payment. They know that this world is in a crisis. I'm not understanding why they just didn't freeze or suspend payments like everyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Nelnet, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Based On 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged Identity theft, not later than 4 business days after the date of receipt. 


It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VILOATION Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Account : XXXX XXXX XXXX XXXX Account : DEPT OF ED/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: IL
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$300.00}

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 2016-03-29
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company garnished my wages without proving that is was my debt. They also garnished my wages before any court date provided. They where sending notices to an incorrect address that was listed on the court documents. Did not receive notice of right to dispute. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I had paid for a protection policy in case I was hospitalized or lost my job, the amount owed would be waived and I would owe nothing. I submitted all of the necessary paper work and they refused to honor the policy. I have been threatened and they have called all of my relatives friends and so on harassing them to get me to pay them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and, Account # XXXX 
XXXX XXXX  Account # XXXX, has violated my rights. 


15 U.S.C. 1681 Section 604 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Innovis
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have number on my report that are not my please remove/delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Ability Recovery Services, LLC
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 was checking my credit report last week on XX/XX/19 when I noticed a hard decline in my score. I noticed that a collections agency was on my credit report and I have no knowledge of the debt. I reached out to the Hospital that was listed under the credit agency and they advised me that they have no balances associated with me and they never sent anything to collections with my name. I have tried calling the collections agency and have yet been able to reach anyone there. This is a fraudulent debt and I need this to be removed from my credit report as soon as possible.

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 2022-09-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
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 letter is a formal complaint against BMO HARRIS BANK NA. They have repeatedly violated the Fair Debt Collection Practices Act and have become extremely harassing. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the listed account below on my credit file and again all I receive is statements. This is already creating additional emotional & physical distress on me. I need this account removed from my credit file. The account is as follows BMO HARRIS BANK NA XXXX Balance : {$27000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Consumer Adjustment Company Incorporated
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
As of XXXX XXXX, 2021, I have a collection account listed on my credit reports by a debt collection agency, Consumer Adjustment Company Inc., collecting on behalf of XXXX. Consumer Adjustment Company Inc. ( CACi ) is not licensed to collect in the state of Michigan and therefore I am disputing this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Lendmark Financial Services
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account for years. The account was opened in XX/XX/XXXX and was paid in full. I have never received communications that they were attempting to collect a debt or notified of any legal rights that I have to dispute the debt. I have not been provided proof that I owe the debt. <P/>Worse of all they report that I last made a payment XX/XX/XXXX which is not true in any way shape or form and extends the statutes of limitations of the time this loan can be reported for an another almost two years. <P/>I ask that they show proof of a payment that I made on XX/XX/XXXX or remove that date from the report, I ask that they show proof that they sent written communication of an attempt to collect a debt and that they can validate and did validate that I owed it. <P/>This is not a valid debt and the reporting dates of payment is wrong, the debt is paid, and I ask it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, Ally Financial Account # XXXX has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-04-03
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019 my mortgage company sold my mortgage to another lender, NewRez. Unfortunately, mortgage companies do this all the time and as the consumer, I have no say in it and can not stop it. I received a letter from the new company, NewRez, stating that they are going to be handling my loan in the future. My payments stayed the same until they re-calculated my escrow. My original lender charged one month escrow. The new mortgage company, NewRez, charges two months escrow to handle the loan. They sent me a bill for {$960.00} and said I have 30 days to pay it or they will foreclose on my house. I tried to call them and explain how it is unfair that they took my loan and is now charging me {$960.00} for buying my loan without my permission. I was told by a supervisor that is what they charge for acquiring my loan and I have to pay it or they will send it to foreclosure. After paying the {$960.00}, my House payment which has stayed the same over the past 10 years increased. NewRez stated that I have the option to refinance with another company if I wanted to get out of it. In order to do that, I would have to pay refinancing charges, etc. It is obvious that NewRez is taking over loans and charging a fee calling it extra month of escrow so that they can foreclose on your house and take your house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: SC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: LTD Financial Services, L.P.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
LTD Financial Services Limited Partnership has continued to report unfavorable remarks on my credit profile for a debt that I do not owe. And their remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX has been illegally charging me fees in excess of over {$2000.00} for a computer purchased in XXXX/XXXX/2006. The original amount owed : {$1200.00}, and the amount I have paid into the debt due to their illegal practices : {$2900.00}. The amount they have sent to the debt collection agency-MidlandFunding {$3500.00}. I have included copies of the paperwork that shows the double billing XXXX added to my account each month that I paid my bill. They added late fees every month, no matter what date I paid within the month, and added huge amounts of additional finance charges ( not all the same amounts ), and sometimes twice in XXXX month so that they could keep illegally charging additional fees to my account. This debt was paid and I want to file against XXXX and Midland Funding for their deceitful practices of double charging customers every month for over eight years. As you will determine from the paperwork proof I have provided, that this debt is invalid and XXXX should be fined for these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: PA
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:
Approximately XX/XX/XXXX I requested that Experian to verify accounts on the report regarding myself according to FCRA, Section 609 ( a ) ( 1 ) ( A ). They responded to my request stated that the accounts were all verified, however they never provided the means by which my account was verified, who verified that account, and physical verification of the original signed consumer contract. In all, I have contacted them via certified mail four times asking to have accounts verified properly. They are willfully refusing to do so and have subjected me to economic hardship due to their actions. 
Dates contacted via certified mail are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All times they " verified '' accounts, but submitted no proof of verification.

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