BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-03
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Credit Management ( MCM ) is attempting to collect a debt with a misrepresented amount. This is in violation of the Fair Debt Collection Practices Act ( FDCPA ). MCM is also reporting inaccurate information on my credit reports which is in violation of the Fair Credit Reporting Act ( FCRA ). 

I have contacted MCM through the XXXX ( XXXX ) in an attempt to resolve this matter. MCM stated in the XXXX complaint, complaint ID XXXX, that they would stop reporting this account to the credit reporting agencies until additional information is acquired. Their exact words are : " While Midland Credit has acted appropriately and according to applicable law, it will inquire with the seller for additional information and documentation for the account. Once Midland Credit obtains the requested information, a response will be forwarded to XXXX XXXX through your office. The account will not be furnished to the XXXX major credit reporting agencies until Midland Credit is able to provide XXXX XXXX with further information. '' MCM has not provided this additional information to either the XXXX or myself and is still reporting the account to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card
Issue: Other

Complaint:
I contacted XXXX about a couple months ago and they did remove this time barred debt from XXXX credit bureau BUT NOT XXXX that has more than exceeded the time statute to collect at best this questionable debt of {$16000.00}. XXXX did remove this debt from experience and XXXX XXXX however it still remains on my XXXX XXXX XXXX XXXX credit report And needs to be removed immediately or I will have no choice but to pursue legal remedies since this debt at best is questionable and is time barred and has well exceeded the statue limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Today  XX/XX/XXXX  I will be sending in documents.     Sale date issued - violation of RESPA - I never ot notice of the sale from OCWEN or   XXXX   XXXX   the bank being investigated fro   XXXX    money laundering.     I was force to file chapter  XXXX  to stop the sale date. I had to go through this last years and filed chapter  XXXX  last years as well due to the same actions. I have tried to modify since  XXXX  when  Litton sold to OCWEN and used forced placed insurance when I had insurance.     I am part of the  Litton/OCWEN Settlement for  the " Constant Judgment '' against OCWEN. I seek the written requirement that give those harmed the ability to modify under consumer relief for those that want and can save their homes. I want and can pay for this home.     Now more fraud while under Settlement of RESPA violation of no notice for a sale date. Only by Realtor 's did I learn of the sale. Please help, sending in documents today   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was modified on  XXXX / XXXX /  XXXX  . Also the service of the loan changed hands from one bank the another. I also had a balloon payment added to cover attorney fees and escrow shortages. Some time in  XXXX  they added more onto my note and saying I have to pay this now. I have made my regular payment and will not pay this because I think it is wrong that long after modification was completed completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX sold my mortgage account to another company called XXXX and I am on time with all of my payments. XXXX XXXX XXXX is no longer my account holder and I would like to get this off of my credit report but two credit bureaus are refusing to remove the information.

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 2017-02-27
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They say they are collecting for XXXX but they refuse to send me a bill after verifying my address 3 times in which they should have since they say all calls are recorded and I have said as much trying to get a bill. Ask for all their recording and lets see.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed a judgement on my credit report for a judgement to be removed. I even provided official court documents saying that the judgement had been set aside and that I am dismissed from the case. Equifax sent me an email saying that the dispute is complete and that they already have it marked as satisfied on my credit report. Even though my documents from the court set aside the judgement they refuse to remove it from my credit report because the papers have an electronic judge signature instead of handwritten one. Equifax said they can not use electronic signatures and the courthouse said electronic signatures is what every judge uses in the state of Utah now according to code. I want this removed from my credit repoerts Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have both checking accounts and a credit card with USAA. My USAA credit card was declined on or about XXXX XXXX due to a fraud alert placed by USAA. I called to have the fraud alert removed. The following day I again attempted to make purchases on my credit card and it was declined for a fraud alert. USAA had failed to remove the fraud alert even though I had wasted my time on the phone with them to remove the alert. The payment processor, XXXX after multiple failed attempts defaulted to my checking account.I would like to reiterate this as it seems to have been lost on everyone at USAA, the direct causation of XXXX attempting to withdraw from my checking account is due to the failed credit card transactions due to a fraud alert they placed and failed to remove when called. 
I have filed multiple complaints with USAA and spoken to them numerous times and they have not refunded the NSF fees. This is horrible customer service and fraudulent as the fees were caused by their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I filed a complaint with USAA bank for an online debit card purchase. I felt like I was taken advantage of by XXXX, an online penny auction site. After providing all pertinent details and a copy of my bank statement verifying the disputed charges, I felt like none of that mattered and the dispute was ruled invalid because XXXX provided a copy of the charge authorization. My issue was not that I authorized the charge, but that the service promised for said charge was never delivered, i.e. " Service was not delivered as described. I have attached a copy of the Dispute Decision from USAA along with the Merchant Rebuttal and my emailed response to the Rebuttal. I do not feel like the human element was taken into consideration in this matter, and the decision was based on the authorization for the charge. I hope that, after reading the attached documents, you will see that I was taken advantage of by a company that I had moved on from. Had XXXX never contacted me after I concluded my business, i would not have this issue. Thank you for your time and consideration in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: Supreme Lending
State: MN
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I had been working for Supreme Lending in XXXX XXXX, MN off XXXX XXXX in the XXXX XXXX building in XXXX 2015- XXXX XXXX 2015. They had shown me how to alter a XXXX after a borrower has signed and dated it, including changing the name and address of the borrower. I know this to be against what is acceptable and so I refused to do it. They fired me shortly after however, they still use edit pro to change XXXX without borrowers consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Consumer Financial Services
State: IL
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:
Consumer Financial Services- Located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ran my credit on XX/XX/21 without my permission. I have not inquired or requested any services from them on XX/XX/21. Any business that I has with them has been completed and closed for some years and it does not give them the right to unlawfully run my credit whenever they choose to,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is reporting inaccurate info on my credit file from XXXX XXXX XXXX. I have disputed this negative info for the past couple of years and provided supporting documentation yet nothing has been done. They are reporting late payments for XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX which is n't correct. I have attached file to support payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'am a victim of identity theft. I have a fraud alert on all credit bureau 's. On  XXXX   XXXX ,   XXXX   someone tried to obtain a loan through  XXXX . I was notified from  XXXX  and they began an investigation. A few hours later I received a letter from  XXXX  denying my loan because of my credit score, and various other reasons listed on my credit report. Not once did  XXXX  reach out to me and inform me that someone was trying to obtain a loan in my name. This is the reason for the fraud alert. It is clear  XXXX  ignored the fraud alert. I called  XXXX  and explained about the identity theft and the fraud alert and was told no loan was issued. How does this help me? Why was I not contacted? I also want the inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Clarity Services
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'am a victim of identity theft. I have a fraud alert on all credit bureau 's. On  XXXX   XXXX ,   XXXX   someone tried to obtain a loan through  XXXX . I was notified from  XXXX  and they began an investigation. A few hours later I received a letter from  XXXX  denying my loan because of my  credit score,  and various other reasons listed on my credit report. Not once did  XXXX  reach out to me and inform me that someone was trying to obtain a loan in my name. This is the reason for the fraud alert. It is clear  XXXX  ignored the fraud alert. I called  XXXX  and explained about the identity theft and the fraud alert and was told no loan was issued. How does this help me? Why was I not contacted? I also want the inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
If XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX are truly mine then explain this written communication from XXXX. I think Equifax has been caught lying. 

In order to verify the accuracy and completeness of the item ( s ), we have contacted the source of the information and provided them with any additional relevant data as it relates to your complaint. In response to the investigation, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX were deleted from your XXXX credit report .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: NCB Management Services Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
NCB Management Services ( " NCB '' ) continuously made robocalls with a prerecorded message of debt collection and for the receiving party to dial an extension. In this matter, I am the receiving party of the communication. I have demanded NCB representatives to ( 1 ) divulge all alleged debts, name of the creditor, the amount of the debt, documentations representing an existing debt ( 2 ) stop all telephonic communications to my home and cell phones ( 3 ) confirm the name, address, and other information of the debtor NCB alleges a debt is present. NCB representatives refused to provide any information as per my demands. Furthermore, their representatives demanded I divulge personally identifiable information such as name, address, and social security number which I refused. NCB refused to stop all communications even though they were told on multiple occasions to stop calling. The last call was on XXXX/XXXX/2016 at XXXX est.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I started my debt resolution program through  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX , which included my Navient private loan. Initial contact by  XXXX  to Navient for this particular student loan account was initiated on  XXXX . Last contact was made in  XXXX . I have been receiving calls at least twice a day from  Navient  for the last few months to try and resolve this debt. On  XXXX / XXXX / XXXX , I spoke with  XXXX  from Navient, the account manager assigned to my account, and I had let her know that I am resolving my debt through  XXXX  and contact should be made through them ( my account profile reflects  XXXX  's phone number and mailing address for Navient to contact ). I also let  XXXX  know that if I am contacted again by Navient regarding this particular account, that I will file a complaint with the Attorney General and the FTC. She had mentioned that  XXXX  has yet to contact them. I spoke with  XXXX  on the same day and I was told by an account rep that they have been in contact with Navient and have already submitted the proper documents to initiate the negotiation process. Since  XXXX / XXXX / XXXX , I have received multiple phone calls each week from  Navient  in the month of  XXXX  asking me to still resolve my debt. I spoke with another representative today,  XXXX / XXXX / XXXX , and had stated again, that I am working with  XXXX  to resolve my debt and that all contact should be made through them. This is now harassment from them as they keep calling when I have respectfully directed them to work with  XXXX  for this particular account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: PA
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 XXXXXXXX, has violated my rights. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have no knowledge of this debt. It is not mine. I do not owe this debt. I am a victim of identity theft and have already provided them with sufficient information. The individual responsible for the identity theft has already been arrested and found guilty in a California court. 
They are in possession of the documents but continue to report this as a debt to credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-06
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: UT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
A debt collection company keeps calling me about an outstanding medical bill. They never tell me which company they are with. I have told them numerous times that they may not call me when I am at work and that they must call me after XXXX so that I can be off work when they call. They are still calling when I am at work and will call me XXXX times daily. I have told them I would be happy to pay the bill if they would mail me a settlement statement or some kind of paperwork saying the total will is all I owe and once I pay it will be paid in full. They are refusing and keep saying me they will send me a paper statement but I never receive one. They keep trying to coax me into paying over the phone. I told them I would be happy to send a check in but that I will not pay over the phone. They get mad and keep insisting I set up a phone payment for a later date. They still will not send me any kind of settlement papers or even a statement. I just got another call today while I am at work. They said they wo n't call me until after XXXX anymore but they keep calling before XXXX anyway. Usually around XXXX but sometimes early in the morning and sometimes at XXXX. They are not making it possible for me to pay them with a check and will not stop calling me multiple times a day. I am fed up and want to get them out of my life!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-05-04
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: Old information reappears or never goes away

Complaint:
A collection account under the name  XXXX   XXXX   XXXX  was listed on my credit report in the amount of {$640.00}. I had no knowledge of this account and it was disputed to  Transunion  and  XXXX  on    XXXX   XXXX   . It was removed by both Transunion and  XXXX . It reappeared under another collection agency name  XXXX  in    XXXX   XXXX     . I was never notified by either Transunion or   XXXX   in writing this was being placed back in my credit report. I redisputed the items again with both companies and it was removed for a  XXXX  time on   XXXX   XXXX  . I looked at my credit report today and found that for the  XXXX  time on   XXXX   XXXX   this same collection account was added back to my report under the collector name  XXXX   XXXX . Once again I was never notified in writing after this was deleted that it was going to be added back into my credit file. I have no knowledge of this account and it is illegally being placed back into my file months after it was disputed and removed without my knowledge. As the consumer I should not have to keep filing disputes for this unknown account that was removed over a year and a half 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 2016-06-23
Company: Westlake Services, LLC
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a loan through West Lake Financial Services. Around XX/XX/2013 the car was repossessed. During that process while attempting to find me to take the car Westlake Financial called and harassed my family members, specifically my grandmother on a daily basis and threatened that you guys were going to sue me. They also called many other family members and told them about my debt ( which is a violation of the FDCPA ). They also called me at my work constantly. I told them that i was not allowed to receive phone calls and i could get in trouble, which i did get written up for. They also talked to my supervisor and told him that i owed a debt and that they were going to serve me at work. ( another violation of the FDCPA ). They never sued me for the alleged deficiency balance which i still do disagree with. Threatening to take an action that you do not intend to take or that is meant solely for the purpose of harassing is a clear violation of Federal law as well.

Company response to consumer: Closed with explanation