BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-13
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
THIS IS A NEW COMPLAINT WITH NEW INFORMATION. In XXXX Discover received a payment on a credit card ending XXXX. They have not received any payments on this account since. They charged off the account in XXXX. They may have statements showing I was an authorized user on the account. When they charged off the account they started to report the delinquent account to my credit report. When I asked them to prove I guaranteed the account they show statements showing I was an authorized user. When I ask them to remove it from my credit report they claim it is reporting correctly even though they have yet to send me proof the account was guaranteed by me. I have been a Texas resident since XXXX. I can show my tax returns showing I have paid taxes as a Texas resident since XXXX. If they do have documentation showing I guaranteed it, which they have yet to send me, this account was still out of the Texas statue of limitations in XXXX. They still show a balance as being collectible against me on my XXXX and XXXX credit reports but put " consumer disputes '' and claim that makes it correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
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 information incorrect

Complaint:
This XXXX XXXX account needs to be removed for the fact it reports the account status 120 days late past due when the account is closed. This is an FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Investment retrievers claims they are attempting to collect a debt from a repossessed vehicle previously financed through Nissan Motor Acceptance. They claim the last payment ( when vehicle was sold ) was in 2012. Several issues involve this reporting on my credit report and continued attempts to collect : the creditor has not produced a written loan or loan agreement that gives the creditor a security interest in the car the loan agreement does not give the creditor a right to sue you for a deficiency after it has taken the car, and XXXX XXXX is not the same creditor that is on loan papers and it has not produced an assignment or other legal document that establishes the debt was assigned to it. The creditor is barred from collecting because they failed to provide me with required written notices, did not conduct the sale of the car in a commercially reasonable manner, and refused to allow you to reinstate the loan, the law may prohibit it from going after you for the deficiency. 

XXXX claimed notices were mailed. This is n't true and I 'm sure they are producing false documentation after the fact because I have complained many times. 
Per Md. Com. Law 12-626, 12-115 ; 63 Md. Op. Atty. Gen. 92 collection of a deficiency balance should not be continued from investment retrievers. I asked them to remove dispute remarks from my credit report as I 'm trying to purchase a home and can not have remarks on the report. XXXX has been asked to stop contacting me ( cease and desist ) because many things were not done correctly regarding this car repossession and I do n't owe anything to investment retrievers I was never given the opportunity to buy the car, stop repossession or notified about repossession of the car as I though car payments were deferred many laws were violated

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Todd, Bremer & Lawson, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The total of the classes I could not even attend at XXXX was only {$3200.00}, not {$4000.00}. I was driving back and forth from XXXX to XXXX every single day, five days a week or sleeping in my car when I had to because I could not afford an apartment in XXXX, but I really wanted to work hard to pursue my XXXX XXXX XXXX in XXXX, after graduating with my XXXX from the XXXX. I missed the first class of my XXXX and was dropped from the course, without notice. I was then told to register for a different XXXX, but it would mean paying another {$250.00}, which I absolutely did not have at the time, and could not get in any way, shape or form within the 24-48 hrs that I was told I had to pay for it. Therefore, XXXX dropped me from ALL of my classes, without my permission, and I lost my entire student loan. The whole situation is completely unfair. If I had never been unwillingly dropped from my courses, I could possibleIy be half way towards finishing my XXXX XXXX XXXX right now, at least. Since I can not do anything about the unfair experience I had at XXXX, I am willing to get on a payment plan for the actual amount owed, but I do not understand why it is reported as more than it actually is/should be. Completely ridiculous, especially for a young mother who was doing literally everything possible to pursue higher education, and make a better life for myself, and contribute more to society.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: STERLING JEWELERS, INC.
State: OR
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I went to Kay Jeweler to look at watches. The employee asked if I would like to see how much I qualify for. I asked if it would show up on my credit score. I was told NO, so i proceeded. Two weeks later I receive a letter in the mail containing a credit card from Kay Jewelers. This is in no way what I was told would happen. The employees at this store are liars.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18
Company: Recovery Partners, LLC
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/20 I was contacted by Recovery Partners LLC form XXXX XXXX XXXX XXXX, AZ XXXX They stated i had verbally agreed to make a payment to them for something that i did not do. I informed them that i was not going to pay them and to leave em alone. They have since then sent paperwork and phone calls harassing me. I am a XXXX Vet on on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Experian Information Solutions Inc.
State: NY
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:
Please be advised that XXXX XXXX XXXX is a loan broker, that three years ago I acquired a loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is a broker only, and when the loan went into default, the principal owner known as XXXX XXXX XXXX - XXXX sold all rights to the debt to XXXX XXXX, XXXX. This loan was used for completion of a real estate project only, with a partnership that did not work out financially. XXXX XXXX XXXX exercised its right to protect its investment through legal channels, and through my legal representative the debt was settled for a cashiers check of {$12000.00}. My position is quite firm, when the original debt was sold from XXXX XXXX XXXX XXXX  to XXXX XXXX, XXXX XXXX XXXX XXXX lost all of its rights to maintain a credit rating position with all pertinent credit bureaus, Experian, XXXX  and XXXX XXXX respectively through a XXXX Supreme Court decision XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transfers VOIDS all rights under the Fair Debt Collection Practices Act, which disconnects all rights to maintain the credit payment history or the content of its history with the Fair Credit Reporting Act. Accordingly, XXXX XXXX XXXX must delete my entire file and purge its content permanently. My rights are in violation at this time and from my research the XXXX XXXX XXXX XXXX has a right to intercede. Therefore, this reference on my personal credit report must be deleted immediately and permanently. I have referred my complaint to all credit bureaus to advise them that XXXX XXXX XXXX is in violation of their subscriber agreement with all credit bureaus, and should be sanctioned by the Consumer Financial Protection Bureau for this serious offense. XXXX XXXX XXXX must delete and purge my file with all pertinent credit bureaus, period. 
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 2016-05-15
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and have a unauthorized and fraudulent account from the XXXX. I never applied for or attended the XXXX. The following account is unauthorized and fraudulent, and I want the account deleted from my Equifax credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Negative info is about an account with XXXX which I never open never asked and never sign a contract with them and I never used their service. The amount is {$330.00} Second negative is about an utility bill for {$68.00} for a rental that I never received and I payed after I find this in my credit report.Ater the payment I ask the collection agency to change the info in the credit report and mention that was a mistake as a result of miscommunication. 
They refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-26
Company: Seterus, Inc.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Thank you for helping me. Seterus continues to apply my on time/early house payment to principle, then charge me late fees. This is a habitual problem. The XXXX, 2016 house payment I wrote on the check and on the statement " XXXX House Payment ''. Seterus applied my payment XXXX XXXX, 2016 to ... ..you guessed it ... .the principle, again. When Seterus called I I said, " MY BURDEN IS TO PAY ON TIME. SETERUS ' BURDEN IS TO APPLY MY PAYMENT PROPERLY AND ON TIME. '' This is constant and ongoing. They have not reversed and corrected it. They are fining and feeing me to unbelievable proportions. I continue to pay on time and they continue to miss apply my money. My burden has been met. They are charging me fees for I do n't know what because I do n't pay late. They are careless and reckless when applying my mortg payment. Can you help? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: Seterus, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Property sold on XXXX/XXXX/2015 ... new contact information promptly provided to Seterus within one week of sale as they owe an escrow refund of approximately {$1200.00}. It is now XXXX/XXXX/2015 and still no refund, can not get any clear information as to why ... I 've been told that it was sent to my old address, but despite forwarding it was not received, then was told it was sent on XXXX, not received, then told they had to cancel the check on XXXX but that I could not follow up for 14 days as that is how long it would take to reissue. It 's been greater than 14 days and now I am being told that their process has changed and it STILL has not been issued and that it will now be another 15-30 days to reissue ... but I 'm sure when I call back in 15-30 days I will hear the same thing I 've heard the previous 3 1/2 months. This is ridiculous, if I owed them money for nearly 120 days I would face significant consequences, yet the only recourse I have is to continually call, wait on hold, be told a different story every single time I call. I just want this to be resolved so I NEVER have to call them again ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Filed a complaint with Equifax stating account with XXXX was included in 2010 Bankruptcy and to show account closed. Equifax can see my bankruptcy information because this is a public record included in my credit file. They still show account open. 
I filed this information last year and they still show this incorrect info in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: AMERICAN EXPRESS COMPANY
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:
On my credit report there is a closed account with huge amount of missed payments. AMERICAN EXPRESS Reported : XX/XX/2020. Its not mine account. This account belongs to my ex husband. I no longer share finances with him, I want to ask XXXX  to remove it from my credit report. I have supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
there is an unvalidated debt on my credit report that needs to be removed ASAP. please see the attached dispute letter from the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: ProCollect, Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have paid off the debt to Procollect on XXXX/XXXX/15 which was a debt in the amount of {$440.00} + {$7.00} ( procollect fee ) = {$440.00} for XXXX XXXX XXXX. I paid the account off through XXXX XXXX XXXX who also charged a fee of {$5.00}, which will be shown on the attached receipt. I have spoken to Procollect about removing the item from my credit and was told it will be removed but the debt still continues to report as unpaid.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed these items numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these items from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2016-09-20
Company: ProCollect, Inc.
State: AR
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:
The company has contacted me repeatedly to attempt to collect a debt that I do not owe. I tried to reason with these people and they continued to lie and harass me. The rental application ( which I can submit ) specifically states that unless you pay the application fee, your application would not be processed. No application = no deposit and no hold on a unit. However, after I relayed this information to ProCollect, they yelled at me and accused me of not paying my bills. I requested that they no longer contact me until they send me proof of the bill and they did neither. I am still awaiting proof til this day. All they have ever sent me was a invoice that was sent to them! That 's not proof of me agreeing to pay a deposit or being forced into a apartment I did not put a deposit in for either! My application fee was returned because I accidentally was {$.00} short of the {$35.00}. I called the representative I was in contact with immediately and let him know of the situation and that I would have to wait until I could come up with enough to pay it in cash. He said " okay. '' That was the end of that! 

Until 2016. This year they found me and harassed me. It has stopped me from getting an apartment that would 've helped me out a lot. I am disgusted with the representatives and the company 's response in general! I want them to remove the mark on my credit report and stop contacting me about {$230.00} that I do not owe!

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 2016-02-12
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
RoundPoint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX CA XXXX Short Sale Package was submitted to RoundPoint on XXXX/XXXX/XXXX. The offer price is $ XXXX. 

Finally on XXXX/XXXX/XXXX we were told that they were looking for a net of $ XXXX. The rep we spoke with sent a message to their negotiator, XXXX XXXX, to call us back by the end of the day to discuss. We were assured we would get a call by the end of the day. No one called us. In addition, the rep we spoke with did n't even know what XXXX was. 

On XXXX/XXXX/XXXX we sent an email to XXXX XXXX requesting a call back. No one called back or even responded to the email. 

On XXXX/XXXX/XXXX we called RoundPoint again. We were told that they had " approved the short sale with a net proceeds of XXXX ''. However, they are refusing to provide anything to support the net proceeds, nor will anyone in their company discuss this with us in any way whatsoever. 

1. RoundPoint is outright refusing to return any phone call whatsoever to the Authorized Third Party. 

2. RoundPoint is committing valuation fraud by overvaluing the property and not allowing a value dispute. 

3. RoundPoint is violating the ECOA guidelines by not providing a copy of the Appraisal/XXXX as requested. 


4. I 'm pretty sure they are also violating their servicing guidelines and Defrauding their Investor, considering that no one in the company knows what XXXX is, and they are committing valuation fraud, and everyone in the company is refusing to call us back or speak to us on this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: The Moore Law Group
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The Moore Law Group has continued to escalate the amount owed The amount owed at time of filing on XXXX/XXXX/XXXX was {$11000.00} and adding their interest and judgment of {$2200.00} plus {$25.00} for writ fees, the amount came to a total of {$14000.00}. On XXXX/XXXX/XXXX, the Moore Law Group garnished my credit union account for {$1000.00}, leaving only {$25.00}. However, in their writ of execution on XXXX/XXXX/XXXX, they acknowledged that the amount taken from the credit union was {$1000.00} which was incorrect. However, with the interest added in the amount of {$3400.00} increased the total amount owed of {$14000.00}. They ignored the fact that I was not credited the correct amount withheld from my credit union and also ignored the fact that on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, Card member Services sent me two letters informing me that they were crediting me {$6.00} and {$3.00} for a total of {$9.00} which has never been credited to the enormous overpayment that is continually increasing rather than decreasing. At one point, I called to make payment arrangements but was told it had to be a certain amount each month based on how they had it set up but based on my finances, I could not afford the amount they wanted on a monthly basis. Even after they took all the money out of my credit union account, they harassed me by sending information to garnish my check. However, because I am not employed, there was nothing to garnish. I feel the Moore Law Group has violated my rights and have escalated the amount owed to an outlandish amount of {$14000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: ProCollect, Inc.
State: MS
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:
Pro Collect is trying to collect on a debt that does not exist. After moving from The XXXX Apartments I moved in good standings and received the deposit back. I have explained this numerous times and they will not even look into it. Customer service is very rude and demanding payment.

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 2016-04-05
Company: Valentine and Kebartas, Inc.
State: NY
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 explain to the person calling that the person they are calling for does not leave at this number. But they keep calling. I am being harrass. I wish this collection agency would stop calling my home number.

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