BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-01
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I have loan from greentree services, for the last few years I have tried to get a modification from them. They repeatedly have made it impossible for this to happen. My spouse died in XX/XX/XXXX in XX/XX/XXXX I became XXXX through work. I have tried over and over to refinanced or modify my loan. They always would lose paperwork, and have me jump hoops to re- submitI always have a new person working on the loan, and again, always turning paperwork to no avail papers. I have done this for years, with no help from them.Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i went to the car dealership applying for a car and they pulling my credit report over 20 times 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

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 2016-03-21
Company: Pinnacle Credit Services, LLC
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:
To whom it may concern, XXXX XXXX XXXX asserts that I owe a debt to XXXX XXXX when I never held an account with this XXXX XXXX. They further assert that I owe {$2500.00}. I kindly asked them to stop harrassing me and to follow federal rules in this regard. They continue to ignore the rules. 

Prior to XXXX XXXX Solutions, the alleged debt was being claimed by Pinnacle Credit Services. I disputed the matter with all XXXX credit reporting bureaus. However, rather than being taken off my credit reports as an erroneous matter, the issue was either sold or transferred to XXXX 

They list their mailing address as : XXXX. XXXX XXXX, XXXX, SC XXXX. 

This erroneous claim is damaging and unfair to this consumer. I kindly request CFPB help resolve the matter, as the claim is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has gotten a judgement and has frozen my bank account for an amount I do not owe. They are not the original creditors and have inflated the amount owed. I am trying to fight it in court. The company is XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
debt is not from original creditor and is several years old. i received no notification, mail or phone, until served on XXXX/XXXX/15, stating i have 20 days to respond. papers served were dated XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I paid an old ambulance bill to a collection attorney office Mitchell D blume back in XX/XX/XXXX. Now they are contacting me about said ambulance bill again and they have listed it on my credit with a date opened of XX/XX/XXXX. Last time we used an ambulance service was in XX/XX/XXXX. I paid that with them settling this in XXXX the first time they contacted me. That ambulance bill was for me personally. 
Now saying they have one for my daughter XXXX who was covered under package A XXXX in XX/XX/XXXX. I provided all her ins information at the time of service. And its against the law to bill any XXXX recipient for any medical bills. So why am I being billed again? And why is it now on my credit XXXX yrs later and just bow hearing about this with an open date of XX/XX/XXXX? We have not used an ambulance for any reason this year or for XXXX yrs now in fact!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-10
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
this debt was paid in full as of XX/XX/2016 thru payroll garnishment as of XX/XX/2016 the garnishment started back up I called to collection agency and the rep was so rude and condisending I ask her how much do I owe she told me XXXX I offered to pay that on the spot to clear this up she then stated she does n't know if that will stop the garnishment because intrest is being added to the account ... this is fraud I was court ordered to pay a set amount but every time I call its a different amount and never can get a straight honest honest about my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Comerica
State: FL
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Unauthorized transactions/trans. issues

Complaint:
My SS Retirement check is directly deposited in Direct Express the XXXX of the month. I received my deposit. A few hours later received an email from Direct Express stating my request to change my password was granted. I immediately called Direct Express stating I did not authorize this and why did they not try to verify request before granting it. They denied that they did this. My money was illegally transferred and all I could do is file a dispute and Direct Express never accepted responsibility for their lack of security.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-01
Company: Pinnacle Credit Services, LLC
State: CT
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:
Pinnacle continue to report this account on my XXXX and XXXX reports after this was resolved with the original creditor. I 've called the company was hung up on by XXXX and XXXX. I was switched to a XXXX and a XXXX law, a man answered the phone and sounded very tired and saidthis was resolved over a XXXX ago and said hhe 's not license for the state of ct. Pinnacle refused to help and delete this erogenous information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Navient Solutions, LLC.
State: KS
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 have been having trouble paying my private student loan with Navient latley for 2 reasons. 1. ) I lost my job in XXXX due to FMLA and did not have an income. 2. ) Navient has a variable interst rate on my loan an keeps changing it so that any payments I make on the principal are null. 

The issue occured on XX/XX/22, When I recieved a call from navient referencing the previous week when I had negoiated a lower interest rate on one of my 2 private loans. Navient said so or I could avoid default on one of my loans. According to the agent navient made a mistake in processing and scheduloing and the wrong loan fwas altered with a lower interest rate, and Navient also applied my payment to the wrong acccount. I recieved a phone call from an agent on XX/XX/22 demanding that I pay additional money and reauthorize my agreement and pay again. When I asked for this error and new repayment plan in writting the agent refused to provide me with any documentation and demanded more funds. I then told her that her hostile tone and agressiveness were in appropriate and that she is no longer allowd to communicate with me citting FCRA. She ignored my request and then providied me false information about my loans and rebuffed the validity of the FCRA. The call ended with her threatening my fincial wellbeing. 

This behavior is consistant with the predatory and illegal practices Navient has been practicingfor years. Not only does this loan create an unreasonable burden because of the variable interest rate. I have recieved years worth of threats and misinformation about my loans. Besides resolving this issue particular, I would like to obtain " a right to sue endorssment '' against Navient I have been illegally minipulated, lied to and been defrauded by navient for over 10 years and this illegal and immoral behavior must end!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: JPMORGAN CHASE & CO.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Chase suddenly charged us a {$20.00} service fee for our checking account. We have had this checking account for 10 years. When called and questioned, a Chase representative finally advised that we will be charged a service charge since we paid off our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: Comerica
State: CA
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Unauthorized transactions/trans. issues

Complaint:
During a recent audit of my account, I discovered that my account had charges totaling {$1700.00}. However, Comerica/Direct Express says I have done {$2100.00} in charges. I have done the math, have the printout and request your intervention in this matter. I have already complained to them without result.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Progressive Financial 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:
Progressive Financial Services is calling a business office trying to collect a debt. We have told them numerous times to stop calling. We keep telling them that they are calling a business and the person they are trying to reach can not be reached at our business phone number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: MO
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 a battle going through this and I am submittig this CFPB Complaint to delete the following fraudulent 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 nor accounts. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the following items as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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 2015-04-08
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Harris and Harris keeps calling my home phone number and leaving messages. We have no debts yet they continue to leave these messages. The messages do not state who they are trying to reach.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have recieved information from this source.. and asked me if i had work XXXX. I said where in the XXXX you got that from ... he told me..they get from credit report from the credit bureau.. and it shows other addresses. I dont know how in the XXXX the bureau get this false information that ruins to get a jobs.and my credit.. and i found in equifax they so have wrong information and bad inquires in my credit report.. i.try to sent a dispute online ..but i cant because they charge of fees.. did it cost them to input wrong information in my credit report.. why in the XXXX they want to charge fees when it didnt cost them nothing. Im tired of.getting bad reports, false monitorimg from credit bureau. They dont even sent out a letter to correct this issues

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX/XXXX/15 I noticed my credit score dropped due to an inquiry, I checked XXXX and there was an inquiry from XXXX on XXXX/XXXX/15. I submitted a dispute to Equifax and the results stated that they are a factual record of file access. I have never had an account with XXXX and I live in XXXX this inquiry came from XXXX. Equifax told contact the merchant and I did. I got a response back from XXXX XXXX, from XXXX asking for personal info to see if I had ever opened an acct with XXXX. On XXXX XXXX I got a letter form XXXX XXXX from XXXX confirming that the inquiring removal had been submitted to all XXXX credit bureaus. Months later I checked my credit again and noticed the inquiry is still on my credit report, so I mailed a XXXX letter to XXXX and got a response from XXXX XXXX stating they were submitting an inquiry removal again to all XXXX credit bureaus. It 's going on 10 months and this inquiry is still on my credit report which is still impacting my credit score and I believe this is a fraud transaction that needs to be rectified. I do n't know how XXXX got my personal information to run my credit, they are confirming that I do not have an open account with them but I believe a fraud and unauthorized inquiry was made from someone that is portraying my identity. Please help me resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Equifax has mistaken my former address which is the same with my current address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX instead OF XXXX XXXX XXXX XXXX XXXX, NY XXXX.Also they did n't report any employment history.I am employed at XXXX NY XXXX PHONE:XXXX.I 've been working in this location for almost 5years.Also equifax did n't update my credit score with FICO for two months giving me poor score while my score is fair with XXXX.I could n't understand that mismatch.According to XXXX my score is fair. and poor according to equifax.it was also fraud alert on my credit report placed on XXXX/XXXX/2015 for the XXXX time, the XXXX time was placed on XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: CNG FINANCIAL CORPORATION
State: VA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I have paid for a pay day loan XXXX and now am being sued claiming I did not pay for the loan. I have been called XXXX times regarding this same loan that I have paid and now XXXX Mediation has made a claim that I still owe {$400.00} and if am sued in court they are seeking {$2900.00}. They do not care that I have letters that claim I have paid for this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions 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 THE FOLLOWING ACCOUNTS ; 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX  have 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.

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 2017-03-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX has reported my payment status as " Pays As Agreed ''. However, the payment history shows late payments as much as 180 days late. Because of the late payments, the mortgage is reported as a negative account, which greatly impacts my credit score. I 've tried contacting XXXX and discussed the errors on the account. No changes was made. I 've disputed the negative items on my credit report with all XXXX bureaus, and gave supporting documentation ... loan agreement paperwork, historical bank statements, payment schedule agreement, and more. No changes was made. Before I pay for a lawyer, my hope is that CFPB can put some teeth into this matter and get it resolved. This issue is on all XXXX bureaus, XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2016 Equifax send me a letter stating that my disputes regarding disputed inquiries have been removed ( Confirmation # XXXX ). I recently viewed my latest Equifax Credit Report and unfortunately the inquiries that I was told were removed are still reflecting on my Equifax Credit Report. Here are the following inquiries the Equifax stated were removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX ( ALL, Furthermore XXXX XXXX send me a letter that they requested for the inquiries to be removed - I will provide the letter upon request ) XXXX XXXX ( ALL, Furthermore, XXXX XXXX send me a letter stating that the requested for the inquiries to be removed I will provide letter upon request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM REQUESTING THAT EQUAFAX UPDATE MY FILE WITH MY NEW TELEPHONE NUMER. XXXX, Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: Experian Information Solutions 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:
This is the several times I've complained about being a victim of identity theft. You must delete any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} XXXX  XXXX Balance : {$63.00} XXXX  XXXX Balance : {$93.00}

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 2022-10-01
Company: Franklin Collection Service, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was informed that I had a previous debt with XXXX and I was resolved to pay it off since it was a small amount but then I thought the bill was not mine so why should I pay it. I filed a complaint and requested that they send me a final bill so I can rectify the bill while all along I had no intentions of paying a bill that was not mine this bill was at an address I never lived at and plus at the same time I was living at another address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I closed a XXXX account on XXXX 2015 and it is showing a late payment on XXXX 2015. I called XXXX and they said I did not have a late payment and XXXX did not report that I did have a late payment. But XXXX Exuafax and XXXX says I have a late payment on XXXX 2015. I want this cleared off my credit report. 
Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Currently, I have a credit monitoring service courtesy of the recent OPM hack. After receiving some alerts, I perused my file and notice an inquiry from a company called XXXX, XXXX, in XXXX XXXX, 2015. I do n't know who this company is or how this company received approval to review my credit report. I want this inquiry removed from my file. I have not followed up with the credit bureau reporting this information ( EQUIFAX ).

Company response to consumer: Closed with explanation