BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX XXXX XXXX XXXX XXXX  cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2020-04-21
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received your letter regarding my request. I then repsponded with a follow-up letter regarding the matter. I've now decided to file a complaint with CFPB and the FTC. As what was provided to me does not meet the standard as pursuant to the FCRA requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification I requestedfor VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX  ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. None of the information provided me met the legal standard. 

I have attached the documents sent to me by Midland Credit Management they do not meet the legal requirement of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
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:
Upon checking my report I noticed a collection from XXXX, Ive never done business with this company or entered into a written contract with this company. This account is fraudulent. 

Please see attached Ftc!! Please dont respond back saying you cant read upload ftc report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
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 profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: WELLS FARGO & COMPANY
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Misapplied payments : The following dates and amounts should have been posted as follows : XX/XX/XXXX reg. payment of {$830.00} XX/XX/XXXX {$1000.00} Principal payment as noted on payment XX/XX/XXXX {$1000.00} Principal payment as noted on payment XX/XX/XXXX reg. payment of {$830.00} XX/XX/XXXX reg. payment of {$850.00} XX/XX/XXXX {$1000.00} Principal payment as noted on payment They keep trying to apply my principal only payments as regular payments, I have called three times and gotten NO HELP FIXING THIS!!!

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 2022-01-28
Company: Consumer Portfolio Services, Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/22, I attempted to make my car payment via credit card as I have before. Without notice, warning, or consent, they removed my cc method of payment and stopped taking payments via credit card. They allege theres a law preventing paying debt with credit cards but I cant find it and again, was never notified. 
Now theyre threatening further action if the payment isnt made but they wont accept my readily available method of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: Experian Information Solutions 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:
Upon checking my report I noticed a collection from XXXX, Ive never done business with this company or entered into a written contract with this company. This account is fraudulent. 

Please see attached Ftc!! Please dont respond back saying you cant read upload ftc 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 2016-04-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the past 4 years my mortgage company Ocwen Loan Servicing LLC has been sending me notices for escrow shortages. I always pay the escrow shortages to avoid a change in my mortgage payment amount. They send me notices stating that if I pay the escrow shortage my payment will remain the same, if I do n't my payment will be a higher amount. After I pay the escrow shortage they are supposed to perform an analysis after receiving the escrow shortage payment that will keep my payment the same without charging me for the escrow shortage ; however this is NEVER done. They in turn, automatically take out a higher amount for 2 or 3 months until I call and call and call regarding their mistake. THEN they make me wait 30-60 days before correcting the problem, but they never refund me the extra money they took, even though I paid the escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/XXXX I received a letter from the Superior Court of New Jersey stating that Portfolio Recovery Associates LLC from was suing me for {$2000.00}. I have no clue who this company is. 

On XX/XX/XXXX I sent via certified mail with return receipt to Portfolio Recovery Associates and The Superior Court of NJ : I included my answer in response to the law suit, along with a request for the debt to be validated pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec 809 ( 8 ) ( FDCPA ) I asked for them to provide me a copy of my  signature on a contract or document that holds me responsible for the alleged debt. As well as asked them to send me proof that they are licensed to collect a debt in my state. 

In response to a previous request for validation, I received a letter dated XX/XX/XXXX In which Portfolio Recovery sent a letter from XXXX XXXX saying the above debt had been sold to Portfolio Recovery Associates on XX/XX/XXXX. I then received a letter dated XX/XX/XXXX which was a bill. Most recently on XX/XX/XXXX I received the same letter from Portfolio Recovery which included the letter from XXXX XXXX saying that the debt had been sold to Portfolio Recovery AssociateXXXX on XX/XX/XXXX. They did not provide a contract with my signature or anything else requested above. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts that they are trying to collect on or post on a credit report. They have not shown any proof and this is why I am filing a complaint against them for failing to follow the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-06-14
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2017-05-30
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see complaint file d  X/XX/2017 . It  was sent to another collection company witha very similar name. Correction was made by phone with CFPB but it was sent again to the wrong company.   The correct name for this collection agency is :  XXXX ,  XXXX   XXXX .  XXXX   XXXX ,  XXXX , Texas.    XXXX  or  XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX , Texas.  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Early Warning Services, LLC
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
i transferred funds using zelle through XXXX to buy a XXXX. unfortunately the website turned out to be fake. When i went to XXXX, they said that they can not recover the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to the three major credit bureaus. I submitted my dispute on the XXXX of XX/XX/2022, today is XXXX XXXX according to the policies listed with these bureaus I was supposed to have a completed investigation by now. For my dispute submission, I sent in copies of my full credit report with highlighted and circled incorrect information, including a cover letter stating what I was disputing from the bureaus.

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 2017-12-01
Company: EQUIFAX, 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 status incorrect

Complaint:
I use XXXX XXXX XXXX for my truck financing. There has been a late pay which was in XXXX. It was on my XXXX and my Equifax. I disputed it on Equifax on XXXX/XXXX/XXXX. I went in and checked my report on XXXX/XXXX/XXXX and there was 4 more late pays from XXXX to XXXX that showed up after i disputed it. I called XXXX XXXX and asked how could 4 pays show up a year later. The lady whom I was speaking to said she did n't know who handled the credit reporting for XXXX XXXX. She told me to contact a credit agency to ask them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Bridgecrest Acceptance Corporation
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I have an existing auto loan through Bridgecrest LLC who finances on behalf of XXXX. I began the process of refinancing with XXXX XXXX XX/XX/XXXX. Bridgecrest charges daily interest and they have failed to send a copy of the title to XXXX XXXX despite repeated phone calls I have made and caused to be made regarding this issue. I have sent the new financier everything they need and thats all theyre waiting on, approval is subject to expiration by XX/XX/XXXX. Im being told that Im past due and in collections regarding the loan, which would not be the case had they honored my request in the first place so theyre now reporting a past due status and jeopardizing my ability to refinance entirely all to charge daily interest on the loan by delaying. 

XX/XX/XXXX XXXX XXXX  They Disconnected as I waited on hold. 
XX/XX/XXXX XXXX XXXX  They Disconnected as I waited on hold. 
XX/XX/XXXX XXXX XXXX  ( 18 Minutes, ) was told theyd send a copy of the title to the new financier. 

Prior to these calls, I called XXXX customer service department to procure copy of the title and they reached out to their lender as proxy. I was sent a copy of the title of another persons vehicle divulging their personal information and not mine, further delaying. 

The new financier has reached out on XX/XX/XXXX, XX/XX/XXXX, on XX/XX/XXXX, they called Bridgecrest and sent me this message : the rep I spoke with on the XXXX submitted the request then. Not sure what happened to your requests but it should be here tomorrow. This morning, XX/XX/XXXX, I received an email from XXXX XXXX saying, Hi XXXX, If you get the title please send it over today. Once we have it we can go ahead and re-pull the credit to proceed. So Ill take another credit inquiry hit! 

Attached, please find the documents and personal information they sent me instead of the documents that pertained to my vehicle loan. Theyve disclosed someone elses protected information to me negligently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Experian Information Solutions 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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2017-07-21
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Due to underemployment and XXXX XXXX XXXX and XXXX, my part-time work earnings could no longer pay my mortgage as of XX/XX/XXXX. I am seven months post-XXXX hearing and the judge on my case can not make a decision. I never dreamed I would be waiting this long for back pay owed me under XXXX after working full-time over 43 years of my life. I started collecting Social Security on XX/XX/XXXX which is helpful added to my part-time salary. SLS is the debt collector for XXXX who holds my mortgage. I applied and they denied me mortgage assistance this spring. I spoke with XXXX XXXX and participated in a lengthy financial counseling session with XXXX XXXX XXXX as advised. I also applied online and traveled to HUD on XXXX XXXX for a Home Keeper grant. While visiting my only surviving relative, SLS mailed threatening paperwork for a Trial Period Plan demanding payment of {$1100.00} byXX/XX/XXXX or my home would proceed to foreclosure. I found it odd that XXXX XXXX would be a deadline date in this country, but I called SLS that day after arriving home and no one answered or returned my call. When I spoke with XXXX, the newly assigned SLS Relationship Mgr. days later, she was abusive, threatening to assign a sale date to my home if I did n't cooperate. She said, and I quote : " You 're not taking this seriously. '' I was crying and in XXXX XXXX. I explained that I had a HUD meeting for a grant to cure my mortgage loan coming up on XXXX XXXX and she said government programs take a very long time, I 've seen many denied and just remember, get the money in by XXXX XXXX or your home is for sale. I spoke with XXXX XXXX and they told me to report XXXX. She is NOT the Sheriff and is NOT in a position to threaten to sell my home.

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