BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-01
Company: GreenSky, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SUMMARY OF EVENTS ( Please see Appendix for more detail. )   XXXX   XXXX   XXXX   was hired to replace  5  double hung windows and  1 pic ture window.  XXXX  installed the 5 double hung windows however the correct picture window was ordered incorrectly by the company. The company scheduled an install date for the correct picture window however  XXXX  went bankrupt before the installation took place.  Green Sky  financed the job and is trying to collect the full debt although the job was never complete. I 've gone through the proper steps to dispute this debt ( twice,  Green Sky  lost it once  ) with Green Sky  because they are aware of  XXXX  's closure. They " reviewed '' the dispute and denied any correction. They never provided verification to proof the debt and they are reporting my debt to collections even though it is under dispute and they have been notified by my lawyer of their representation.  <P/> As you can see in the attached References - the total cost of the window installation was {$7200.00}  (  REF 'A ' ).  Reference 'B '  illustrates the upcoming planned transactions outlined by  XXXX   .  The plan was followed correctly and the down payment of {$720.00}  ( 1 0 % of  XXXX  ) was made on  XX/XX/XXXX  ( as shown on  REF 'C ' ). T he first GreenSky transaction was to take place at the time of " Scheduling '' ( as shown on REF 'B ' ).   As you can see, the transaction took place on  XX/XX/XXXX  ( REF 'E ' ).   The final transaction of {$2800.00} was to take place upon " Installation '' ( as shown on REF 'B ' ). As you can see, the final transaction was {$1600.00}  ( not {$2800.00} )  and took place on  XX/XX/XXXX  ( REF 'F ' ).  XXXX   XXXX , Supervisor at  XXXX , negotiated {$1000.00} off of the total purchase price as a result of the FIRST failed attempt on ordering and installing the correct picture window. There was an additional {$200.00} reduction ( total of {$1200.00}  )  because we opted not to wrap our window sills in aluminum.   {$2800.00} - {$1200.00} = {$1600.00}  (  REF 'F ' ). This is the final obligation of funds even though the work was not completed again on  XX/XX/XXXX  on the second attempt of installation ( REF Eve nt 7 ).  The third installation attempt was scheduled for  XX/XX/XXXX  ( REF 'G ' ). This event never took place and we were notified on  XX/XX/XXXX  of  XXXX  's apparent closure. The correct picture window was never installed by   XXXX   XXXX   XXXX   because the company went bankrupt.

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 2017-06-01
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I opened a retail credit line with XXXX XXXX through XXXX XXXX. for 2 years and 6 months straight i never missed a payment. On XX/XX/XXXX somebody used my identity and maxed out my credit card with XXXX XXXX ( {$1300.00} ) I called XXXX XXXX to dispute the charges made and was told by the fraud representative that the investigation was successful and after investigation I had not made those charges. After 3 months of back and forth calling to remove the balance of the successful dispute XXXX XXXX sold the account to a collections agency named Midland Credit Management. This company has repeatedly called me at all hours of the day harassing me to pay a debt that is not mine. I changed my phone number 2 times and still they somehow find out my phone number and call me. I have told them multiple times that this is not my debt and they do not listen. I have disputed this charge on all XXXX credit bureaus with no end results. This account is listed on all XXXX of my credit reports as a XXXX Charge off reporting negatively even after I was told that it was taken care of. I 'm tired of being harassed over this when i never made the charges to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: MIDFIRST BANK
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm with Midland mortgage as my service provider. I've been in the FHA forbearance protection by the government up until XX/XX/2021. They even sent me a letter stating that XX/XX/2021. The month of XXXX came and I started receiving numerous phones calls from Midland Mortgage. They even left a voicemail requesting I call them back. Their billing department answered and said they was removing from my forbearance plan early and place me in review. I said don't do that because I'm not ready. They still done it anyway. I called several times trying to get on my forbearance plan as stated until XX/XX/2021 and they said I was. Then later said I wasn't and couldn't place me back on because I should have expired already. Its not true

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 2022-04-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experien was showing on my credit report an open loan from XXXX, with past due balances. That account was paid in full and always on time and that account was closed upon completion of all payments back in 2018. 
Ive spoken to XXXX about this and Experien. XXXX verifies it was closed and paid in full and never showed any late payments. 
I have asked Experien to remove this income and they havent. This erroneous information is affecting my credit 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 2017-06-01
Company: First Associates Loan Servicing LLC
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I attended  XXXX   XXXX   XXXX   XXXX   XXXX  Illinois back in  XXXX  to  XXXX  I have a loan that shows from  XXXX  to  XXXX  in an amount of {$19000.00} that is a private loan that I never used but was paid to the school.   The school was closed for the same reason I am contacting you now I never finished my degree there, I never got a job as promised and I 'm stuck with this loan on my credit that I never even used.   Please help me cause the lender is not even trying to investigate the account and is leaving it to me to figure out. They told me they provided the money and do n't have any records of what it was spent for, and in my defense I 'm staying to them I never even used there money, I forced into a school that never help me get a job or a degree.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have been contacting Transunion since XXXX XX/XX/XXXX to removed my credit freeze for 2 days for my mortgage company to pull my credit. The weekend went by and no prevail, called 8 times on XXXX XX/XX/XXXX and spoke to 5 different people whom all said they removed it just to again have no prevail. Called again today and spoke to XXXX and requested a manager because after speaking to 6 people ( she is # XXXX ), I am highly frustrated, disappointed, disgusted and in awe of this process. She did not send me to a manager and requested to fix it herself and saw that I verified my identification less than 24 hours prior and I informed her to just remove the entire freeze because of their unprofessionalism and unwillingness to assist, this may make me miss my closing date and I may lose my home I was purchasing. Even their online site has been down since I've known in XXXX and won't let you place or remove a freeze as it only says unknown. Someone needs to revamp Transunion as it's causing issues with keeping someone out of our accounts as they don't help with removing freezes in an appropriate time and no one should have to call that many times or speak to that many people to get one thing done.

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 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/XXXX, I noticed a drastic decline in my credit score. Upon thoroughly reviewing my XXXX report, I noticed an account with XXXX XXXX reporting completely inaccurate balance information. 

The balance on the loan with XXXX XXXX is at {$0.00}. However, XXXX is currently reporting the balance as {$38000.00}. 

This reporting error has caused major damages to my fico score ( 40 point drop ) due to the direct effect to my utilization. 

I sent a letter in XX/XX/XXXXrequesting this error be updated upon receiving the notice of this error. 

That letter was certified and is recorded as being received by XX/XX/. 

As of today, XX/XX/, this error is still being reporting as it previously was on on my profile ... in error.

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 2017-06-01
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX -I was month to month on a lease of a house. The owner of the home switched Property Managers and they wanted a 12 month lease and an increase in rent. I declined and moved to a new address that would not allow satellite tv. I talked to several people at XXXX XXXX including supervisors who stated as long as all of the equipment was returned I would not be charged a cancellation fee. However a cancellation fee was applied. I never received notification at my new address but is now reported as a collection account on all XXXX credit reports. XXXX XXXX and Debt Buyer refuse to help. Convergent is the debt buyer.

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 2017-06-03
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have as ked Central Credit Services to not contact me via telephone and send all correspondences through the mail. Th ey continue to harass me by phone every single day, several times a day, to collect on a supposed debt.     I have also as ked Central Credit Service s  ( three se parate times now ) to provide me with proof of debt, but no such proof has ever been mailed to me. They continue to call without providing any debt validation and they continue to harass me when I have asked them several times to not contact me via phone.     The first time I call ed Central Credit Services to ask fo r proof of debt in the beginning of this year, the female representative who refused to give me her name used obscene language and told me, " I do n't give a  XXXX  what you say   XXXX  , you owe this money. '' For these reasons and more, I belie ve Central Credit Services is  attempting to collect a debt that does not exist given that they are unable to provide me with proof of debt and refuse to follow FTC protocol and industry standards.

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 2022-04-26
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
Hi I see 5 hard inquiries that dont belong to me They are unauthorized this is not my account I had lost my license..

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 2020-06-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I submitted disputes and affidavits, I got a response saying I can't be identified and I used a credit repair company. I am very upset because THESE ARE FRAUDULENT ACCOUNTS. So not only am I suffering with these FRAUDULENT accounts on my credit report, but I'm also accused of being too incompetent to file my own affidavit and disputes. I demand a response in 10 days. I also demand these fraudulent accounts be removed from my credit report ASAP.. If i dont have a response in a timely manner, I will be filing a complaint with the Office of the Attorney General.

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 2021-03-19
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a transfer debt, from a former collection agency that I informed and showed proof that this is a fraud account that was open with XXXX. I have no knowledge nor had service with this company. This company keep coming up with debts that are fraud and not trying to resolve it with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refund Request To whom it may concern, I closed on my refinance on XXXX the funds to payoff Lakeview were wired and received on XXXX. Please see the attached confirmation from XXXX XXXX to confirm when the wire was received. The XXXX payment was included in the payoff on XXXX that you received. I received a letter from Lakeview stating that I needed to make a payment or Lakeview would report to my credit. Therefore, on XXXX I made the payment. After speaking to my current lender, they advised that I did not need to make that payment as it was in the payoff that they sent to Lakeview on XXXX. With this being said, I need for you to send me my full payment I sent in error on XXXX. 

I was told by a representative, XXXX, that I needed to write a letter and also include the proof that you had the wire 2 full business days prior to XX/XX/XXXX and therefore you would not need any additional funds from me. XXXX, also stated that Lakeview did not receive the payoff until XXXX, this is inaccurate as you can see with this attachment. I am NOT responsible for the delay in which XXXX XXXX receives funds and then moves it over to the payoff department. This is something that your company will need to handle on your side. 

I expect a full refund for what was paid in XXXX as my overpayment. 

I have a Ledger Report showing it was paid on XX/XX/2021 which is 2 days prior to the end of month. I can show proof at a later time as there is to much private information on it to share here.

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 2021-11-16
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On or about XX/XX/XXXX, I XXXX XXXX went to the Citibank branch on XXXX XXXX in XXXX, New York to check on the community based account that was set up for donations to help families from Mali that have lost a loved one. I got suspicious that something was wrong with the account when a member indicated that the bank teller would not take their donation as the account no longer existed. 

While at the bank on that day I spoke to a teller named XXXX who attempted to help me. I was told that the account was nonexistent. I was confused and requested an investigation. On XX/XX/XXXX I then received communication from Citibank that they could not locate the account. The account number is XXXX. 

I have gone to the branch several times to have this resolved to no avail. I have made numerous calls and visits and Citibank refuses to help me as they indicate the account was closed 2 years ago. 

On or about XX/XX/XXXX I was given a print out that they indicated showed that the check was cashed. By whom or where is not known. My members are furious and think that I stole their money which is not the case. The amount of {$10000.00} has been stolen, and Citibank is responsible for this loss.

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 2017-06-01
Company: Equitable Acceptance Corp
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX used Equitable Acceptance to finance a loan which would cover their administrative services to be the surrogate company to make payments to the XXXX XXXX XXXX XXXX on my behalf. I thought they were associated with the XXXX XXXX XXXX XXXX because of the introduction that I do have attached. The letter was deceiving. Consequently, I received multiple letters from XXXX XXXX that I was not making payments. I told XXXX XXXX that XXXX XXXX said that I was paying them to pay the XXXX XXXX XXXX XXXX, and XXXX XXXX said that is not happening. XXXX XXXX on my permission looked into my account : I had security questions that I did not know the answers to and I had false information about who lived in my household ( It was suppose to be one, but it was more than one ),  and so it looked as if information was falsified to bring my payment down. XXXX XXXX said that I do not need third party companies to do any administrative work because I can do so on my own. So I had the impression from XXXX XXXX that they would make payments and do the administrative work on my behalf. However, I have been paying off and on both XXXX XXXX and XXXX XXXX payments. XXXX XXXX has been an unnecessary middle man, and I have already paid them over {$800.00} over the past two years when that could have gone towards my student loan debt. I have contacted the office of the Attorney General Consumer Fraud Bureau and XXXX XXXX have not replied to them from my knowledge. I do have the most current Attorney 's letter attached, and the Attorney has told me to seek legal counsel, which I have not done yet. The problem is that the finance company, Equitable Acceptance, has placed a credit line on my credit report, so if I do not pay it will reflect badly on my credit report. I want this to end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Diversified Consultants, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Diversified received a letter from me on XXXX-XXXX-2017. I asked for validation, bearing my signature, that I had contractual obligation to pay them. All I have received is a bunch of papers from an old XXXX account. I have never entered into a contract with Diversified. They have failed to supply me with sufficient evidence and they failed to place a dispute comment on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: GA
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Westlake 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: Account information incorrect

Complaint:
Upon viewing my credit report, I noticed that  Westlake Financial Services  had placed on my credit a  XXXX  separate balances-one was a charge off balance of {$7100.00} and the other was a past due amount for {$5900.00}, for a vehicle in which was voluntarily surrendered that I had cosigned for. I collaborated with this company via telephone and spoke with a representative there. Upon speaking with this gentlemen, I requested a bill of sale from this company for the amount in which, the vehicle was resold for and the difference in which was owed. The gentlemen, then abruptly to me that he could provide me with a breakdown of all of the charges including an impound fee, in which was not true. The car was surrendered from  XXXX  ' auto body and repair, after they had to be contacted several times by myself and the owner of the auto body shop. Again I requested a bill of sale for the resale of the vehicle and was told that it would be provided, this occurred in early  XXXX    XXXX  , and have not received any letter, bill of sale, etc. This was an attempt to settle a debt and this company is totally non-compliant with my request.

Company response to consumer: Closed with explanation