BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-23
Company: Union Credit Corporation
State: GA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a {$650.00} bill on XXXX/XXXX/XXXX and a {$210.00} bill on XXXX/XXXX/XXXX from XXXX XXXX XXXX. I was unable to pay when due so they were turned over to Union Credit Corporation XXXX, GA. Union Credit Corporation opened XXXX individual collection accounts that appear on my credit report, when they should have only opened XXXX collection accounts. The debt was been paid in full on XXXX XXXX, XXXX. My Experian report dated XXXX/XXXX/XXXX still shows XXXX open collection accounts with a balance of NaN. I am attaching a copy of the XXXX bills, the pages of my credit report reflecting that XXXX collection accounts were opened and reflecting the XXXX open collection accounts. I am also attaching a complaint that I filed with XXXX XXXX XXXX on XXXX/XXXX/XXXX regarding my horrible experience with Union Credit Corporation. The complaint that I filed with XXXX XXXX XXXX should outline why I am unable to professionally deal with Union Credit Corporation. Please note that I do see XXXX complaints have been filed in the past against Union Credit Corporation with the XXXX from other consumers.

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 2015-08-17
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I noticed a collection account listed on my credit report. 
The debt collector is LVNV Funding. 
The debt amount is $ XXXXI sent them a letter requesting that they verify the debt by providing the original creditors name, and original debt amount etc etc. 
The letter stated that if they ca n't verify the information, they should remove the collection account from my account. 

They have not responded to the letter, nor have they deleted the account. 

The letter was sent with certified mail + signature confirmation required. 

I have a copy of all the documents that were sent to them. 

I also have a copy of the signature provided by the USPS - thereby proving that have indeed received the letter. 

I 'd like this account to be removed from my credit report in its entirety, since there no proof that it belongs to me. 

Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Upon viewing a possible credit report associated with a tax identification number of which I am the authorized representative I noticed a myriad of inquiries and one revolving credit account. This information is being shared by any or all of the three credit bureaus namely XXXX, XXXX  and TransUnion. TheFair Credit Reporting Actgives an authorized representative the right to dispute information they believe to be incorrect or unverifiable. Credit reporting agencies are responsible for removing any disputed information that cant be verified or confirmed. Theyre also obligated to provide a description of the dispute process if you request it in writing. I have seen that these agencies are reporting information without my authorization or my knowledge. This is complaint is a formal request toward the three credit reporting agencies to make available the document authorizing them to make this information public. In an age with identity theft, artificial intelligence, robocalling and robo-signing, how can we be certain that a man or woman is authorizing any action taken in this digital world. Please make available any and all documents with a wet ink signature demonstrating an authorized user has given consent to any and all information made available on the credit profile associated with the corresponding tax identification number. If any and/or all of the reporting agencies can not provide this then I demand the information be removed as I am the the authorized representative of the corresponding tax identification number and my wet ink signature is provided along with this complaint. Furthermore, if the document being provided by me, the authorized user, is the evidence being used to support the veracity of the information that does not serve as valid proof as the information was reported before my complaint was filed.

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 2016-08-29
Company: BROKER SOLUTIONS, INC.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
New American Funding has not processed my lien release paperwork. I paid off my home on XXXX/XXXX/16 and was told it would be XXXX60 days for the paperwork to get through XXXX XXXX. I recently was told they actually had n't filed that paperwork until XXXX/XXXX/16. And was told today ( XXXX/XXXX/16 ) that it was still being processed in their system. I want the lien released and am tired of being lied to.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: 2233 Paradise Road LLC
State: NV
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
XXXX XXXX, XXXX XXXXTook out a payday loan with the Cash Factory out of XXXX XXXX. Due to medical reasons I was unable to pay back on the due date. Once I returned to work I spoke to a woman at the XXXX XXXX and worked out a payment arrangement. The arrangement was to divide the balance into XXXX payments of {$310.00} every other week. The complaint I have is during the call ( which I 'm positive was recorded ) I was told that I would be able to move a payment out if I was unable to make the payment. I was told that I needed to make a single payment in XX/XX/XXXX. I made the payment. The next payment was due on XX/XX/XXXX. When I called to move this payment out I was then told that I could n't move any payment except with in the month that it was due. So I was told that I had to make the XX/XX/XXXX payment and could move it to today XX/XX/XXXX and only that date. I moved it to today XX/XX/XXXX but rent was more important than that payment so I 'm unable to make the payment. I was told if I did n't make the payment they would be able to come after the whole amount at any time on any date which through the initial agreement will be on a Friday pay day because now they know my bi-weekly pay dates. 

I was lied too during the initial call about moving out a payment which became relevant during the subsequent call where she stated I could not move any payment.

Company response to consumer: Closed
Consumer complaint received 2017-02-15
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
this complaint is about chase bank confiscating my excess escrow payments during XXXX while not properly accounting for those payments from me and payments made from my escrow account during the period XXXX thru XXXX that violates the cfpb consumer protection regulations and the federal law known Mortgage escrow accounting act. this act allows for chase to provide an auditable escrow statement at least once a year that can be verified by the same information that appears on a mortgage statement. 
in my case chase has been making false charges to my escrow account that include a transaction known as escrow advance recovery of {$370.00} a month for the last two years. meanwhile I am paying at least a XXXX dollars higher escrow payments than is paid out for insurance and property taxes. 

if we look at this practice for chase XXXX XXXX mortgage loans being serviced by XXXX in XXXX ohio the figure amounts to over a $ XXXX dollars a year that is not accounted for or as in my case may not being retured to the homeowner and mortgagor. 

chase has continue to stonewall me on this issue and I have received documents from XXXX that show these discrepancies in detail that indicate that chase uses two sets of books to service mortgages. one set for financial reporting and one using allegedly the XXXX platform on a desktop pc. the XXXX systems are not compatible and put out false information. chase sent me a escrow refund check when I refinanced my home at the end of XXXX for {$880.00}. 
I paid into escrow almost {$4000.00} for the year and chase paid out almost {$3800.00} that means the check that check was almost {$8000.00} short from previous years where chase was charging me higher escrow payments. their computers showed I was five payments ahead in my mortgaeg that was paid to emc mortgage during a mortgage modifcaton that included escrow paymens in excess of {$9000.00} all of those payments and escrow funds disappeared and were not credited to my new mortgage with chase. the old account number was XXXX and the new account number upon transfer to chase from their subsidiary XXXX in XXXX the point here is that chase appears to be putting all these moneys into their pockets and not paying federal income tax on this undeclared income. I have objected of these chase mortgage servicing practices to XXXX and the head of chase banking XXXX XXXX and his replacement since his removal form that position. chase continues to stonewall me on this and use these methods to manufacture defaults by raising mortgage payments while putting escrow funds into their pockets allegedly. i demand as a j p morgan stockholder a complete accounting of my mortgages with chase including the second trust from the past and audit of XXXX about their alleged fraudulent mortgage servicing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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: Conduent Incorporated
State: NM
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Eppicard NM, frequently has locked my account and I can not use the website. As of right now, I can not use my card to pay bills, or use the atm. On XX/XX/XXXX someone stole over {$1200.00} on my account by transferring money out of my bank that I didn't authorize. I called Eppicard and they were suppose to send me the dispute paper and I said I have until XX/XX/XXXX to send them back. However, the papers have not arrived and today is XX/XX/XXXX. I've been calling Eppicard and I'm on hold for hours, and the system hangs up on me. Then I call again, and someone picked up in the background but wouldn't say anything, it hung up. Every time I call, they charge XXXX cents but they won't answer or help me with my problem. Somehow my email was changed on their website, and it won't let me change it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I submitted request for annual credit reports. I 'm going through a divorce with a certified sociopath and have received a collection bill for a XXXX card. I 've never had a XXXX card. After answering the security questions for Experian, it said that due to security issues they were unable to provide report??? However, there was no problem with XXXX or with XXXX. I need that report ASAP online. 
Thank you. 
XXXX XXXX XXXX

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 2016-01-16
Company: AES/PHEAA
State: MO
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
AES is contacting family members who are not even on the loan I have with them. They are harassing family members in search of me because they no longer try to contact me directly. If they do not get a hold of me they immediately call family members that day or the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Hiday & Ricke, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I had a credit card from XXXX that was charged off back in the year XXXX. The account was then later sold to a Florida entity named XXXX XXXX. Around from XXXX XXXX to XXXX XXXX I was on a duty XXXX. Upon my return a year later with no prior correspondence the collection company served my roommate. I showed up to court and made payment arrangements that were inflated with interests. While I was making payment, I called in and inquired about making a payment that consisted of a large sum to be distributed evenly across a number of months. The representative on the phone accepted the payment and they defaulted me the following month for non-payment. I was a student and not working, they placed a lien on my bank account. I had a lawyer submit a file to remove the lien and told them he would be representing me from that point forward. Since then, the attorney has n't received neither calls nor correspondence from XXXX XXXX XXXX XXXX, neither have I. On Monday XXXX XXXX, at about XXXX XXXX a sheriff showed up to my apartment with a court execution order to levy my property. He parked behind my car and forbade me to leave the premises without handing over my car keys unless I wrote him a check for {$4600.00}. I pleaded with them that this car is how I earn my income as a ride share driver, he called a town truck and impounded the car with a notice to resolve the matter in 45 days or the car would be sold. Since then I have filed a Notice to Defendant of Right Against Garnishment, Wages, Money, and Other Property. I contacted the collection agency and the person handling the case advised me to have my lawyer contact them. He has tried for the past three weeks and has n't successfully spoken to anyone except for a secretary who told him someone will return his call. It appears I have n't been giving any choice in this matter. I was under the impression they 'd want their money but instead they rather have me suffer and not earning an income. I do n't understand how this is justifiable. I 'm going 21 days without my car. It 's costing me {$32.00} per day on average to travel to a per Diem job where I 'm only earning {$85.00} before tax. My hands are tied at this point, I just want to resolve this issue. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I was not late on these accounts and XXXX, XXXX, XXXX, and Transunion has not corrected the problem. Please provide the method of verification for late payments. 

Please provide all the people involved in the investigation with dates, times and procedure used verify late payments as this is not correct. Please correct history. 

DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX : XXXX I have attached the certified letter that was sent to all the parties mentioned.

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 2016-05-31
Company: Utah System of Higher Education
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My loan was purchased by XXXX from XXXX in approximately XX/XX/XXXX. I received a loan payment disclosure statement on XXXX/XXXX/16 that stated my interest rate was 6.8 %. However, the loan had an interest rate of 5.8 % at the time it was purchased. I contacted XXXX about this and they gave me instructions as to the documentation I needed to provide to prove the correct interest rate. I sent the documentation to XXXX on XXXX XXXX, 2016 via email as they requested. 

Since then, I have called approximately 5-6 times to get a resolution on this matter. Two months have passed and there has been no response via email, snail mail or phone. Each time I call, a representative has told me that they are processing it. However, I have not received any confirmation from the company that the documentation was received ( no reply to the email ), nor has any representative followed up with me to update me on the status of my request. All the while, my loans are being charged the higher interest rate. The stalling and delay tactics are extremely frustrating and obviously I will not pay the higher rate and expect to be credited the difference in the interest amount charged at the higher rate.

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: Webcollex, LLC
State: NC
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:
I spoke with them today. They said the only way to get the bill removed is to file a dispute. I have tried that they are still reporting. I have paid their collection company XXXX. I am attaching the receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Southwest refit Systems engaged in predatory tactics, contacting third-parties, threatening, placing false credit collections on my credit. This company has violated nearly every consumer protection law. I should sue them, and I will, but Im beginning with the appropriate complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I was not late on these accounts and XXXX, XXXX, Equifax, and XXXX  has not corrected the problem. Please provide the method of verification for late payments. 

Please provide all the people involved in the investigation with dates, times and procedure used verify late payments as this is not correct. Please correct history. 

DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX : XXXX DEPT OF EDUCATION/XXXX   : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX I have attached the certified letter that was sent to all the parties mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: MS
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:
Student Loans refinanced. Showing old loans over the limit and the incorrect balance. Showing multiple loans open with unknown dates which is incorrect. I have only one loan now through XXXX XXXX XXXX for {$68000.00}. The multiple XXXX XXXX accounts have been closed over 120 days. Disputed with XXXX. These accounts are also in litigation thru settlement agreement intended to resolve Sweet v. Devos, a years-long class action lawsuit originally brought by student loan borrowers against the Trump XXXX  for failure to process and approve thousands of Borrower Defense to Repayment applications.

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 2022-08-18
Company: EQUIFAX, INC.
State: MS
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:
Student Loans refinanced. Showing old loans over the limit and the incorrect balance. Showing multiple loans open with unknown dates which is incorrect. I have only one loan now through XXXX XXXX XXXX for {$68000.00}. The multiple XXXX XXXX accounts have been closed over 120 days. Disputed with XXXX. These accounts are also in litigation thru settlement agreement intended to resolve Sweet v. Devos, a years-long class action lawsuit originally brought by student loan borrowers against the Trump administration for failure to process and approve thousands of Borrower Defense to Repayment applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Franklin Collection Service, Inc.
State: IL
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:
Found a hit on my credit report from Franklin. Sent a formal dispute asking for validation of the account. The i was sent via certified mail on XXXX XXXX and signed for on XXXX XXXX. I received a final bill from the company showing a phone number that was not mine. Franklin broke the law by not supplying a valid signature or proof in the required 30 days by law, nor did they remove this from the credit bureaus.

Company response to consumer: Closed with explanation