BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-28
Company: ACS Education Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This company : -Does not provide customer contact information -Does not send notifications -Does not notify specifically when your repayment status changes ( e.g., when deferment ends ) If you are late in making payments for the above reasons, the company : - Continues reporting your account as past due EVEN AS YOU MAKE PAYMENTS on time - Continues marking your account as delinquent so that you can never get ahead - Does not provide documentation of past payments - Does not offer payment plans to take care of past due amounts I would also like to emphasize that reaching them is nearly impossible, so you are effectively sending money into a black hole with little verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: MIDCOUNTRY FINANCIAL CORP
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
On XXXX XXXX 2016, XXXX placed an account on my credit file which i did not recognize. The account was from a company called heights financial corporation.I immediatetly researched the company and loan in question. Obtained. Their Phone number and address. I called and spoke with a representative and explained the reason im calling. They put me in contact with a senior representative spoke with a XXXX XXXX again explaining the situation she researched in her company files is my name, social security number and address that matched any accounts in my name. The research camey up negative she immediatly responded that i doo not have An account with them and werey suppose. To give me a letter stating i have no account in my name to send to the credit Bureau. 
2 days passed no letter i spoke to a XXXX she claimed that maybe im mixing up her company with another company. I immediately emailed her the name. Of her company address and city they are located. XXXX immediatetly confirmed the information i send that it was correct. But, still claims its a mix up. Since i last spoke to her XXXX/XXXX/2016, the company has not contacted me about my issue and no evidence they are trying to resolve this matter furthermore no letter i requested. My credit score is suffering and Heights Financial corporation is giving me no support and a cold. Shoulder. They are not helping me and in need of some. Organisation to help, Please help me resolve this issue.

Company response to consumer: Closed
Consumer complaint received 2021-08-11
Company: JPMORGAN CHASE & CO.
State: FL
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Hillcrest Davidson & Associates
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Calls are being made to an public office phone, frequently and repeatedly after being told it was a business phone, requested calls only be placed to home/cell. Sent cease of communications, The company is based in XXXX TX. it 's Hillcrest/Davidson and Associates XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX the account in dispute is going to legal action as the contractual period for the alarm company had expired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-17
Company: LAND HOME FINANCIAL SERVICES
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Land Home Financial is reporting a debt discharged in CHXXXX Bankruptcy on my credit reports. I have notified them of this error previously and they have admitted their error but every year or so they start reporting the debt again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 had a recent unauthorized hard inquiry that showed up on my transunion report. I contacted the company who had no knowledge of the inquiry. I contacted transunion about this inaccuracy and was told that they can not do anything about it. According to the FCRA, it is their responsibility to investigate and delete the information if proven not to be 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 2015-07-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Continue to get harassing calls constantly which has escalated to now indicating a lawsuit has been filed against us and our home. Written notice was sent to cease and desist but call continue. 

Now my minor children ages XXXX and XXXX are receiving calls on their cell phones with the same message indicating a lawsuit has been filed against us. 

No verification of debt notice has been sent to provide opportunity to dispute any and all charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was told this collection account can and would be removed and it was not -- -delete it. 
Violations -- -XXXX XXXX -Does not show XXXX balance. Does not show paid. XXXX 2015 and XXXX 2015 monthly reporting indicators state " failed to pay '' -- -delete it. 
XXXX -- -States date assigned XXXX 2015. -- -delete it. States open -- -delete it. Payment status states late 120 days -- -delete it. Type of loan states XXXX XXXX -- -delete it. States delinquency XXXX reported XXXX 2015. -- -DELETE it. 
XXXX -- -States XXXX failed to pay /late '' in XXXX 2015. 
Please advise the above XXXX + violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Cascade Creditors Service, llc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, Cascade Credit Services located in XXXX WA reported to my credit report in XXXX a debt of over {$45000.00}. I contacted them and disputed the charges from a previous landlord. The landlord never went to a court of law to enforce the balance he was initially claiming and I do not owe this debt. This collection agency said the debt was valid and sent over a handwritten piece of paper with a summary of charges from my old landlord, which wasn't acceptable. I asked for every receipt, invoice, and any other supporting documents to justify {$45000.00}. 

I was in communications with XXXX from Cascade collection services and after I requested those documents I did not hear back from him. I finally received an email from my old landlord 's representative and she had told me they were modifying what I owed. My old landlord had initially filed a fraudulent bill of charges to this agency and even after my landlord and his agent modified it down 75 % this company Is still reporting the " debt '', now what remains is a past due rent balance from XXXX XXXX XXXX XXXX rent, but was left unemployed due to covid and my old landlord knew that. 

My landlord had told me in XXXX that he's sympathetic to my situation but will need to sell the home, so I moved out. My old landlord has never gone to court to recoup the balance -- because he legally can not until XX/XX/2021. I have suffered extreme hardship these 3 months due to that {$45000.00} being on my credit report. I want this collection agency to cease fraudulent collection until a court of law can rule on any balances owed. This collection agency is also charging me interest and I have signed no paperwork authorizing that. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
You already know that I was in jail from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and your institution has my discharge papers from jail. Att reported a debt of {$850.00} to AFNI collection agency after I talked to them on the month of XXXX about what happened to me, I told them that I 'm gon na start making payments beginning XXXX XXXX they said it was ok but when I checked my XXXX report today XXXX/XXXX/XXXX I saw that they reported to the collection agency, i told them that I need time that I 'm looking for a job and I 'm even receiving mental treatment because of the situation I lived and the problem was with my baby 's mother. I contact ATT several times but they keep saying that I need to pay this immediately that they do n't have to follow the note of my explanation to them back on XXXX of this year and they transfer me to the collection agency. My Att phone number was XXXX I do n't have the account number right now but I think with the phone number you can get into my account and my social security # is XXXX. Please contact AFNI collection agency and explain them the situation and tell them to remove this from my credit report as the credit law command and also contact att regardless of this situation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: AFNI INC.
State: NE
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:
ANFI has reported a collection item to the credit reporting agencies on me that is false. The collection is on a XXXX bill which I never incurred. I have never had XXXX. I disputed it but the agency will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: AFNI INC.
State: MT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Closed XXXX network account and being charged after told it was not an issue if I sent the equipment back by using their shipping boxes, which I did. However, they still charged me afterward.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
Today XX/XX/2015, I received a phone call from XXXX claiming they are debt collector. I think it is a some sort of solicitation, because far as I know, I do n't have anything go into debt collection. I informed the guy immediately, I have an attorney, but he continue to pressure me to ask, if I am filing bankruptcy, even after I repeated about XXXX times that I have an attorney, please contact the attorney directly. He was very forceful, and he claimed ignorance when I informed him that it is illegal to ask me questions when I already inform him that I am represented by an attorney. I asked for his information, I am not sure if he gave accurate information because he was very evasive. He claimed his number is XXXX, name is XXXX ( though he quickly said another name ) with operator number XXXX, company XXXX or something. I gave him my attorney information and hanged up, but I think it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: AFNI INC.
State: PA
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:
XXXX bill was NO longer in my name, when it went to collections. I took my name off the account 4 weeks after account/line was opened. Myself and the primary account holder completed a change of liability at the XXXX store.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Resurgent Capital Services doing business by other alias ' such as LVNV Funding LLC, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PYOD XXXX, XXXX XXXX XXXX, Resurgent Capital Services XXXX and XXXX XXXX XXXX continue to send me mailings on an account that is not mine. I have submitted a debt validation request to LVNV Funding and Resurgent Capital Services within the 30 days upon receipt of the notification. I have yet to see any of this documentation and continue to receive mailers. On XXXX XXXX, 2016, I contacted XXXX XXXX Bank and spoke with XXXX XXXX who verified that my previous account with them was in good standing. I would like the mailers to stop being sent to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PenFed artificially inflated at least XXXX fee it charged me to pay off my mortgage. The payoff statement ( attached ) listed a {$48.00} " release fee. '' No such fee had ever been mentioned in my loan application or loan agreement. When I questioned that fee, PenFed said it was a County-imposed mandatory fee. My own research revealed that the County 's lien release fee is actually only {$41.00}, and that I could submit the request and pay the County directly. See XXXX and attached excerpt. So I told PenFed to send me the Certificate of Satisfaction and I would handle the release request. XXXX refused, and insisted I pay the entire {$48.00} before my loan would be considered paid off. I paid it to prevent PenFed from dragging out my payoff ( and holding my credit hostage ) any longer, then sought a refund from PenFed. PenFed refused. Inflating fees for bogus services associated with mortgage loan payoffs seems an unfair, deceptive and abusive practice. 

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 monetary relief
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: DC
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone stole my personal information and identity and opened up an unauthorized and fraudulent account with XXXX. I been receiving harassing, threatening and death threats telephone calls from representatives from LVNV Funding, LLC., in regards to the fraudulent account and the debt of {$220.00} I do not owe. The debt do not belong to me. SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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:
AFFIDAVIT : In this court of record I, XXXX XXXX XXXX, a man, swear under oath and penalty of perjury that all herein is true as follows I am a victim of identity theft and fraud and XXXX, Equifax, XXXX  are continuing to report fraudulent accounts on my credit profile after I informed them of the fraudulent accounts in which are causing me harm, injury and damage in the public. 

s : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: ARVEST BANK GROUP, INC.
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I applied for a Small Business Administration XXXX loan with Arvest Bank last year for my VA Certified Service XXXX Veteran Owned Small Business- National Veterans Service Bureau , we were denied. I again filed for a loan XX/XX/XXXX we were denied again after getting XXXX worth of Student Loans removed for XXXX student loan discharge. We asked for a review when I was able to remove XXXX out of XXXX collections items from my credit report. Again we were denied. I filed a complaint with the SBA OIG, we are awaiting the result of complaint to have Arvest removed from the SBA Lender List for racial and XXXX discrimination because on the last loan denial they said I had no income while I deposit XXXX a year in Payroll deposits and VA XXXX Pay. It has been one lie or reason after another. 

The reason I am filing this complaint is that now I have begun recieving retaliation in the form of deposits being held back, debit card transactions being held then posted when funds are low, I have over draft protection and they are sending checks back even when I call them and ask is there a transaction posting today they say no then put a transaction and returned the check, and I had called them asking them to call me or pay the check. They held transactions for over 7 days then put XXXX or XXXX transactions on the account at one time, putting me over the over draft limit, but again I tried to work with them by calling them. 

Fyi the Head of the Missouri Arvest Bank XXXX XXXX has been in communications with me, I also contacted their corporate office in XXXX Ark. I told them if the retaliatory transactions continued I would be filing a complaint with your office. I have also filed complaints with non us government companies about the racial and XXXX discrimination see the following link for more information. 

XXXX I do not want another XXXX veteran firm to be treated this way thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: LoanCare, LLC
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: Account information incorrect

Complaint:
Good Day, My name is XXXX XXXX, former address XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. My previous FHA Loan was with LOANCARE Servicing. I sold my home in XX/XX/XXXX because I am XXXX XXXX military and had to move to XXXX LOANCARE is reporting 19 late payments on my account which is completely inaccurate and I have the bank transcripts to prove this, which have been sent to them through two different disputing agencies. There was partial payment made throughout the history of the loan by mistake from when my spouse, who was going through 2 years of XXXX and XXXX, made partial payment. Unfortunately while I was XXXX, she had to remember and cover down some of our bills. This was also provided in the dispute sent to LOANCARE. Right now I am XXXX and my Wife ( In remission from XXXX ) and XXXX year old Son are XXXX  because the reporting of my mortgage payments is false and I can not receive a new home loan. 

I would like them to report what payments were missed and what payments were late and also provide some form of documentation to me in the meantime while my credit updates so that I may in tern provide this to a new lender in an effort for a new loan. If I made a payment for XX/XX/XXXX, in XXXX of XXXX it should report as such. If XXXX of XXXX was missed, then that should report as well. At least then I can pinpoint the time and location of why the payment did not make it to the mortgage lender, for example, I received a XXXX XXXX XXXX bill in XXXX of XXXX, or I was out to sea and unable to access internet or communication devices. 

Thank you for your time and If you can provided any assistance in this matter I would greatly appreciate it. 

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 explanation
Consumer complaint received 2016-12-09
Company: EQUIFAX, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have had millions of dollars stollen from my identity. XXXX houses in the U.S.A. and all with close spelled names. I think even a car loan too.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This Debt Collector continues to report to all XXXX Credit Bureaus that I owe them when in fact this debt was taken care of by the original creditor via a XXXX. 

LVNV is also reporting the incorrect date on SEVERAL accounts as the " Account Open '' date as of last year ( XXXX ) when in fact these accounts were opened in XXXX to XXXX and are ALL past the Statue of Limitations and are about to be either removed by the Credit Bureaus OR are about to turn positive.

Company response to consumer: Closed with explanation