BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Attached evidence of fraud by debt collector XXXX XXXX XXXX, debt collector creation of e-title agency, and under the control of its parent company XXXX, SELECT PORTFOLIO SERVING, XXXX BANK AND XXXX BANK inflating Principal balance increasing, rather than decreasing. assignments fraud, substitution of trustee fraud, etitle agency fraud, debt collector law firm counsels XXXX XXXX XXXX XXXX XXXX notary fraud, notary stamp fraud, DOCUMENTS prepared by debt collectors and XXXX with tutle of document control who had no knowledge what they are signing when XXXX XXXX forms are sent from debt collector law firm XXXX associates, XXXX XXXX XXXX and XXXX associate and it subsidiaries they use .PO.BOX OTHER ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Telephone : XXXX Facsimile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone : XXXX Facsimile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Main Phone : ( XXXX ) XXXX Facsimile : ( XXXX ) XXXX Virginia XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Main Phone : ( XXXX ) XXXX Facsimile :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was current with the previous mortgage servicer XXXX XXXX XXXX  until the COVID XXXX pandemic hit and was placed on a COVID forbearance starting XX/XX/XXXX and as a United States XXXX XXXX XXXX I was suffering due to the restrictions placed by COVID as I was doing work for a XXXX but it closed because of social distancing guidelines The forbearance continued until XX/XX/XXXX and I was approved for a deferment of 10 months of payments I starting paying XXXX in XX/XX/XXXX and continued to as they were updating my loan to reflect current My loan never updated before the service transfer to Fay servicing on XX/XX/XXXX but XXXX continued to have me pay because they knew it was a matter of time and my loan would reflect current When my loan transferred to Fay servicing it was a completely different mortgage servicing experience and Fay would not accept my payments I mailed one in for the month of XX/XX/XXXX but Fay sent a Returned Funds notice dated XX/XX/XXXX saying I was in active foreclosure in spite of the fact XXXX approved me for a deferment I sent a copy of the agreement to Fay several times and it took Fay servicing until about XX/XX/XXXX to apply the deferment but for the 6 months they refused to accept payment Fay servicing refused to assist me and forced me to apply for a loan modification even though I was already approved and was paying my monthly payment before the service transfer my loan became delinquent due to the error in servicing by Fay in not updating my loan and not accepting payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hunter Warfield collection.

Called XX/XX/XXXX Called XX/XX/XXXX - hung up on - Hung up on by XXXX, supervisor - Refused to validate debt. Said it would be pointless that it would come back as validated no matter what.

- Did not have contact information, correct amount or address.

- Threatened to send collection to credit report to hurt my credit score.

- Had to leave message as hung up on and would not take my call nor answer my call back. Demanded no contact, written notification of debt and written validation of debt within 30 days.

XX/XX/XXXXcalled corporate and was told be XXXX, HR to file a lawsuit and wouldnt transfer me.

-Called attorney and he said I dont know what you want me to do.

- said you got out 7 months early so four months is a deal and I need to pay the money regardless even though I legally followed steps to break the lease when I bought a home and moved out.

XX/XX/XXXX- hit my credit report and I filed a dispute with XXXX  .

- never received written notice of debt.

- never received written validation of debt.

- hunter warfield refused to call me back nor answer my phone calls.

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 2015-09-21
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I rented an apartment from a company - when I moved out they claimed I had a balance due. They are incorrect and are trying now to collect on a balance that is not correct. I have paperwork proving otherwise. 

They have sent me to a debt collector - I 've told the debt collector I deny the debt - the debt collector has mailed me a " proof '' of the debt - nothing signed saying I agree to the debt - just a " bill '' for something that is incorrect. 

I 'm told I will need to hire a lawyer to even begin to fight these guys and they are suggesting they are going to start reporting me to the credit reporting things. 

What can I do to fight this without having to waste time and money going to court to prove something I 'm not responsible for?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Tower Loans, in XXXX XXXX, Louisiana continues to call my cell phone 5 times or more a day and leave threatening messages for me to pay a loan payment on a loan that I did not take out. They are coming to my house every single day, leaving letters in my husband 's name with my name hand written on them threatening to add me to a law suit that the loan is only in his name. We are currently unemployed I have nicely explained our situation to them and told them we could pay the a portion of the bill monthly but that was it and we have continued to do that and they continue to harass me on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2022-07-11
Company: Experian Information Solutions Inc.
State: DE
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 the following XXXX accounts have violated my rights : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via 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 2018-05-18
Company: Credit Bureau of Canyon, Inc
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I suppose I had a debt with XXXX that I was never aware of. I never received a letter, nor a phone call. I checked my credit, that I keep a close eye on after my dad stole my identity and opened 2 credit cards in my name to find that CBHP of XXXX Texas had bought my debt from XXXX. They have added on XXXX dollars of their own fees. I called as soon as I saw this on my report to figure out why I was never contacted or aware of this so I had a chance to resolve it, and they told me they had called my grandparents home phone number, and they have never received a single call, and they sent mail to my dads XXXX XXXX supposedly, but I havent heard a word about that either. So, when I was asking questions to figure out what was going on, how this happened, why it was so much more and things of that nature the representative of CBHP continued to hang up on me after every question I asked that she didnt like or feel like she should have to answer. When I asked for her supervisor she put me on hold and then told me she wasnt available, then once again, hung up. I called back, I asked her why she was hanging up and she said its because I was being difficult and I told her collections and customer service are one in the same, and she informed me well first of all, youre not a customer. And then hung up again. So I called back again, and asked to speak to someone else, she told me she wasnt letting me speak to anyone else and hung up on me, again. I called back and she finally let a man answer the phone. He told me that their supervisor wasnt there and told me to call back, couldnt tell me when I could actually talk to someone without being hung up on. How am I supposed to figure out my debt with a company who hangs up on me after I ask a question they dont like, and theyre not XXXX  accredited so they think they can treat people like XXXX. I never signed a contact with them, and they are making it impossible for me to figure out what is going on and what I need to do. I was not given any notification, or any way of knowing. When my identity was stolen, and XXXXXXXX XXXX  credit cards were opened they were able to track down my real phone number to contact me about my debt and did everything they could to help me resolve the issue. Why couldnt this company? Theyre a joke and what they do should be illegal. They did not do their due diligence and theyve done nothing but lie, be deceitful, and hang up on me when Ive tried to get information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had cancelled XXXX phone line XXXX years ago, but kept the line for my daughter to use XXXX. We cancelled this line after paying in full at the beginning of this year. I 've endured numerous phone calls from XXXX XXXX since. I 've been told the XXXX number was on hold due to my being XXXX but had recently been re-activated ( I never have been in the military and never told them this ), and I 've been told I owe everything from {$100.00} to {$16.00} to {$47.00} ; sometimes their reps were rude and aggressive. Every time I called them, I had to wait on hold, sometimes for over an hour, to speak to a service rep. and each time I called I got a different story and a different payment amount. Each time I called, I requested and was promised documentation of the call. Sometimes I requested and was promised an email which of course never arrived despite repeated follow-up calls on my part. XXXX XXXX just kept sending me bills in different amounts as if I 'd never called. Now it appears that XXXX XXXX has engaged the services of Chase Receivables, a XXXX XXXX XXXX in XXXX, CA who have written with a demand for payment. I sent them a request for documentation and received no response. I then sent them a formal dispute of this charge and wish to ensure that my credit rating is not affected negatively. I cancelled my accounts and paid in full, only to have XXXX XXXX continue to attempt collection in various amounts over the course of over 4 months. I simply do not owe them this money and they 're just hounding me until I give up and send them a payment to make them go away. Disgusting way to treat a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I opened this card for the sole purpose of taking advantage of their 0 % APR 0 % fee balance transfer offer. I was granted a {$5000.00} credit line and initiated a transfer request of 75 %, {$3700.00} on XX/XX/XXXX which posted to my account on XX/XX/XXXX. I was informed it may take up to 5 days for the transfer to reflect on the other card and so I waited but the balance transfer payment from Amex was never reflected on the card it was intended to pay. I contacted Amex on or about XX/XX/XXXX to inquire about this issue and was told I had to take it up with the recieiving card. I called the receiving card, XXXX, and they confirmed no payment was received from Amex on my account. The following week I contacted Amex and informed them of this, I also confirmed they had sent payment to the correct account- which they had. The representative I spoke with put this transaction into dispute. I asked that she cancel the balance transfer and try again. She said they had to have it cleared with their dispute process first. In the following weeks I followed up with Amex each Monday and received no assistance or update on the status of my account. The last contact I had with the company I requested they cancel any pending balance transfer and close my account because at this point the entire goal of the balance transfer was moot and I am fed up with their process. I was then informed I would not be allowed to cancel any transfer and that I didnt know what I was talking about. When I asked to speak with supervisors I was not redirected and given no actionable assistance from the staff. I was informed complaints take up to 6 weeks to resolve, however the complaint was entered in to in the beginning of XX/XX/XXXX and it is now XX/XX/XXXX. I still have no resolution. I now have a revolving balance on a card Im not going to pay because it doesnt reflect a successful balance transfer and Im still paying interest on my XXXX XXXX, which had been the entire motivation in the first place to do a balance transfer. At this point I am going to have the XXXX XXXX paid off If Amex ever gets it together, then Ill be on the hook for money I have requested several times now not be transferred. Additionally the use of 75 % of my available credit with Amex has hurt my credit score. Amexs customer service has failed to put th customer first. I offered to submit statements from my XXXX XXXX  to prove no transfer made it through but they declined. I have received no updates on the status at this point and Im very worried about being responsible for {$3700.00} that I did not spend.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-06
Company: Collection Information Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
this collection agency keeps reporting that I received services from there practice. I have never had any medical treatment from this provider while not being insured. I 've always been covered under the florida medicaid office .There have always been a block on all XXXX of my credit filed due to identity theft. I 've disputed these fee with the collection agency and a few of the bills have been deleted but this company keep reporting medical bills for services that I never received. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Medical Which of these best describes your issue? Cont 'd attempts collect debt not owed : Debt is not mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: CA
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:
I don't know why these accounts are still reporting!! They're not even mine and I have sent every dispute under the earth trying to remove these things from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I don't know why these accounts are still reporting!! They're not even mine and I have sent every dispute under the earth trying to remove these things from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company refuses to take this off my credit report. They have violated the FCRA multiple time, and this debt is pass the statue of limitation. They are put you on hold for over 50 mins.

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 2017-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/XXXX CFPB : XXXX Report XXXX, dated XX/XX/XXXX, fails to list my full-time employment, XX/XX/XXXX-XX/XX/XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX, since XX/XX/XXXX, with the State of Illinois, my part-time employment, XX/XX/XXXX with the XXXX XXXX XXXX, XX/XX/XXXX-XX/XX/XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, since XX/XX/XXXX, with XXXX XXXX, XXXX, and does does not provide the Source Documents for the Erroneous Information that I have had a SSN that ended in XXXX  and that I had an address of XXXX XXXX XXXX XXXX, Illinois. I want my XXXX employments added. I want true copies of the Source Documents for the Erroneous SSN and Erroneous Address. I received checks from the National Mortgage Settlement ( NMS ) and the Independent Foreclosure Review ( IFR ) because XXXX made errors in servicing my ARM Loan XXXX. Those errors, particularly overcharging me LIBOR,  forced me to file for Bankruptcy. As the Bankruptcy was not due to any personal misconduct or negligence of mine, I want the Bankruptcy reference permanently deleted.
<P/>
Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL 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 2022-07-11
Company: Experian Information Solutions Inc.
State: MD
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:
THERE ARE 3 DIFFERENT ACCOUNTS THAT IM NOT AWARE OF. IM A VICTIM OF IDENTITY THEFT. I HAVE ALREADY REPORTED TO POLICE, IVE CONTACT MY BANK SO THAT ACCOUNTS COULD BE CLOSED AND IVE UPDATED INFORMATION FOR PAYROLL WITH MY JOB. THERE ARE TWO ACCOUNTS FOR XXXX AND ONE WITH 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 explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE BEEN A VICTIM OF FRAUD FOR YEARS AND HAVE A FRAUD ALERT ON MY THREE CREDIT BURIALS I HAVE FOUND WRONG SOCIAL SECURITY NUMBERS WRONG NAME AND COLLECTION ACCOUNTS THAT DO NOT BELONG TO ME. 

MY NAME IS XXXX XXXX XXXX MY XXXX IS XXXX DATE OF BIRTH IS XX/XX/1982 ADDRESS IS XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX PHONE NUMBER IS XXXX THERE IS ON MY XXXX REPORT ERRORS PROFESSIONAL DEBT THAT DOES NOT BELONG TO ME XXXX XXXX XXXX DOES NOT BELONG TO ME XXXX XXXX  DOES NOT BELONG TO ME I WOULD LIKE THIS CORRECTED AS IT IS AFFECTING MY CREDIT AND MY FINANCES ON EQUIFAX THERE IS ERRORS TOO XXXX XXXX XXXX DOES NOT BELONG TO ME ON XXXX THERE IS ERRORS TOO XXXX DOES NOT BELONG TO ME PROF DEBT DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: JTM Capital Management, 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: Information belongs to someone else

Complaint:
I have contacted total visa to let them know I had fraud happen to me I had to file a police report on my ex wife because of she was putting fraudulent credit accounts in my name! They still says this item is accurate on my credit reports and still remains ... I never had a account with total visa! It should be remove from my credit report XXXX.. XXXX.. and XXXX ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation