BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed both of the Columbia debt recovery accounts opened by XXXX XXXX XXXX  and no one is looking into my disputes fully. I was a minor of XXXX  years of age when lease was signed and my father was the renter this debt should not be mine. XXXX  has done nothing to request the proof this collection agency has to back up their statement of being valid debt. I need someone to thoroughly look over my documents I certified mailed in early XX/XX/2020 and do a proper investigation. If this is not done in a timely manor I will be getting a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have filed three credit disputes with Experian in regards to a bankruptcy being reported on my consumer credit Public Records profile. My last request was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature for this public record and all associated accounts or promptly delete. Experian responded to my last request. The response letter was dated XX/XX/2020. On page 2, Experian admitted in using a third party to " verify '' this information and did not provide me with the original documentation on file with their. Page 2 stated, " This section includes public record items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX '' I am requesting that this company promptly delete this negative information from my consumer report immediately.

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 2016-09-29
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I checked my online credit report today and discovered that my credit rating had dropped from very good to fair due to a bad debt of {$1600.00} that had gone to collections. I remember receiving a debt collection notice in the mail less than a month ago, but I had disregarded it after XXXX the agency name and only coming up with fraud messages. That was the first and only time that I received any communications about that alleged debt prior to seeing it on my credit report. At that time, when I had tried to call the number in the mail, I was not able to reach anybody or even a machine. My credit report says that the original creditor is a company called XXXX XXXX, but I have never heard of that company before. I have never taken out that loan. It was sent to XXXX XXXX XXXX, which contracted it out to Halsted Financial Services. I really need help because none of these companies are responding or even available for questioning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Kashia Services
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
FINANCE CHARGE The dollar amount the credit will cost you. 
Amount Financed The amount of credit provided to you or on your behalf. 
Total of Payments The amount you will have paid after you have made all payments as scheduled. 
769.62 % {$4700.00} {$700.00} {$5400.00} Your Payment Schedule will be : Number of Payments Payment Due Payment Date {$160.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX Called in to try to pay the loan early and they didn't let me. They mentioned that I'd have to pay the whole interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX and Experian are reporting the collection account XXXX on my consumer report. I have disputed this account directly with the collection action. I do not owe any such debt and I am refusing to pay this alleged debt and wish to have the CRA 's cease and desist any further reporting of this account. I am disputing this account based on accuracy and request Experian and XXXX to investigate this account for maximum accuracy and completeness. Please see the attached documentation directly from the collection agency and delete this account immediately from my 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 2022-04-14
Company: EQUIFAX, INC.
State: MI
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was transferred to Loancare in XXXX 2016. Upon notice we mailed a check to the address provided in the " welcome '' packet. After about two weeks and no sign of the check being deposited into my account, I contacted Loancare by phone to inquire. I was told it had not been received as of yet but not to worry because I have 60 days before there is a late fee assessed because it was a transfer loan. XXXX comes around and still no check deposited. I call loancare and they say they still havent received it. At this point, I go ahead and make a payment via the website ; however I did n't cancel the check yet because my bank charges a fee so I just hope they receive the check and apply it towards the next month 's payment. As of today, the payment still has n't been applied. In XXXX, I sent an email to Loancare via their contact us link on the website explaining that we will make XXXX 's payment by XXXX XXXX because we were having some hardship due to using funds for hurricane matthew. I NEVER received a response from them ; I went on the website to try and make a payment and was blocked from accessing the account page to make a payment ; however a week later, they send a collection agent to my home who leaves a big deliquent door tag on my front door with their phone number to call. Immediately following this visit, I contact the number and I 'm told by the collections representative that I am definitely blocked from my online account access until my account is current. I expressed my concern to him about their collection tactics in sending someone out to my home and he basically told me well you wont have to worry about that if your loan is current as if it were a threat. He also stated that the debt collector takes pictures of my home and submits it to Loancare. This was rather disturbing to know that someone could be watching my home/taking pictures. I then ask how can I make a payment if I ca n't do it online. I 'm then advised that I can only make a payment through them and there is an additional fee to make a payment with a representative over the phone. This fee is also in addition to late charges. I advised the representative I would call in later to make the payment. I tried calling the XXXX number that I usually call for automated account information since i 'm unable to do it online and I 'm blocked on there as well from accessing my account information after putting in my loan number and social security number as prompted. I do not think it is fair to block a customer from accessing account information electronically or having the ability to make a payment online when there is usually no cost to do so. They are forcing me to only have one payment option that requires an additional fee.

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 2015-12-28
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX I was visiting XXXX and I made a purchase at XXXX XXXX in XXXX XXXX. I purchased : XXXX XXXX XXXX XXXX XXXX at XXXX XXXX each, total XXXX XXXX. 
XXXX XXXX at XXXX XXXX, total XXXX XXXX. 
XXXX XXXX in small XXXX case at XXXX XXXX, total XXXX XXXX 
Total Purchase amount was XXXX XXXX. 
On XXXX I saw a charge to my credit card for {$720.00} XXXX = XXXX XXXX. It was obvious to me there was a mistake on the decimal point when my card was charged. I contacted my credit card to dispute the charge and I explained to them I only had a credit card receipt but no itemized receipt from the store. They said they will look into it. On XXXX I received a letter from the bank saying the billing was correct. I called the bank and asked how did they come to this conclusion and they said they merchant supplied with a signed credit card receipt and that that was enough to for them. I asked if they requested any sort of documentation from the merchant and I was told it was up to me to provide any documentation to prove the vendor wrong, -as I mentioned before, I could not find an itemized receipt for this transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
We tried to modify our home loans however due to my husband being unemployed we did not qualify. We tried the Keeping yo ur Home Calif ornia and we were told that we could not qualify either. So we have had to use the Short Sale process to avoid a foreclosure. The first lender,  XXXX , would be paid off by the short sale approximately $  XXXX , while Bank of America would not, thus becoming a short sale. The issue is that we had to file bankruptcy as well, so the HELOC was discharged as well. When we first applied for the short sale with Bank of America, they could not find the account. It took a long time to finally have a short sale representative from Bank of America finally find it because it was discharged. The BK department at Bank of America had told my Realtor that we should not have an issue getting approved because some money is better than nothing since it was already discharged. With a sale at $  XXXX  from the buyer, Bank of America would net approximately $ 20k+. In addition, Realtor requested relocation funds, and  XXXX  was going to give us relocation funds but since they are no longer making the approval on the short sale, we have to request from Bank of America. The BofA representative said they could not because it is a HELOC. If  XXXX  forecloses, because BofA wo n't approve us, they wo n't get any money, so it does not make sense to us. We wanted to keep our home! We raised our girls here and were happy, but due to financial circumstances where my husband was laid off, it became very difficult to the point that we almost got divorced due to the stress. Thankfully we managed to work through this issue as well. We are not being unreasonable by asking for relocation funds. With a short sale we would be preventing a foreclosure for all involved. Please assist us in having Bank of America with relocation funds.

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 2015-03-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am in pending foreclosure and I have been working with Chase since XXXX XX/XX/2013 to try to obtain a Modification Loan XXXX. I have submitted numberous paperwork over time to continue getting new XXXX to contact me to start the process all over again. Asking for similar to the same documents over and over again. I am so frustrated about the way they conduct business that I do n't know what else to do. I hope that I can get help. I do n't want to lose my house. I have steady income and the house needs some repairs which I want to fix but I do n't want to invest money if the house is going to be taken from me. Please help or direct my path. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: JPMORGAN CHASE & CO.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
case : XXXX I have contacted the legal resources listed under your legal assistance program. However I have not heard back. As I recall I did not select a law representative at that time, which may explain no response. I have the documentation sent from J.P. Morgan Chase, who did the consolidation of the loan. I am still seeking direction/assistance to resolve or reconsolidate these loans if necessary. I am taking over the full monthly payments from my son XXXX. However, it does seem truly unfair and unwise to do so. 
I will be making a payment of XXXX dollars combined for XXXX separate student loan servers, XXXX and XXXX. I do not dispute the paperwork from CHASE, But the consolidation went crazy and {$30000.00} dollars went into the wrong account. All assistance given at this time will be appreciated and is sorely needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: EQUIFAX, 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:
attached ftc violations The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
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:
attached ftc violations The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts.

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 2020-04-03
Company: CITIBANK, N.A.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX i filed for chapt XXXX in RI. All my debt was discharged in XXXX of XXXX. 
A lien was put on my house in XXXX of XXXX sum of {$1900.00}. File no. XXXX. Plaintive - CITIBANK account ending last four XXXX. Plaintiff 's Attorney XXXX XXXX XXXX XXXX. 
I don't remember being properly served and I don't have any paperwork or communication with citibank or their attorney for that time. 
I am currently in the process of refinancing my home. 
The title search discovered the lien. I contacted my attorney about 3 to 4 weeks ago. XXXX XXXX XXXX XXXX who processed my chapt XXXX. 
From what I understand of the conversation between the two attorneys is that Citibank will not release the lien on my home without a payment of aprox {$3600.00} almost double the amount of the original discharged amount. 
I am being extorted in this time of a national emergency and financial crisis. I can not pay the {$3600.00}. that has been discharged and I can not refinance my home with this lean on my home. 
I live in this home year round and need immediate financial relief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CHASE Credit CardXXXX XXXX, XXXXClosed $ XXXX DetailsLast Reported XXXX XXXX, XXXXCreditor Name CHASEAccount Type Credit CardAccount Status Closed - DerogatoryOpened Date XXXX XXXX, XXXX Date XXXX XXXX, XXXX $ XXXX -- Monthly Payment $ XXXXResponsibility Authorized UserBalance $ XXXX Balance $ XXXX Status Collection/Charge-OffWorst Payment Status UnknownDate of Last Payment XXXX XXXX, XXXXAmount Past Due $ XXXX 30/60/90 Days Late 0/0/0Remarks Charged off as bad debtCanceled by credit grantorMy deceased fathers debt. Not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-01
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I had gone to this store before for tires just paid it off been a citi customer longer. Went to see why my brakes were grinding on XX/XX/XXXX was told one rotor got stuck but BOTH had to be replaced both sides. that is not necessarily true i found out after i signed the receipt. Signing the receipt may be legally important but it says i received goods not that i cant dispute the pricing or the accuracy of what i was told when i was there. anyway i was charged XXXX it should have cost about XXXX my research reveals AFTER i was there. Further both sides did not have to be replaced. I feel very uncomfortable now i wont return there and i feel the parts were marked up way too much. i want XXXX dollars back or thereabouts.i have rights. I asked over and over if this was the only way to go. at that price etc both sides and i could not find out just how much they overcharged me on parts til after i left. I did write them a letter with no response the store. -XXXX XXXX I am unable to use my card now until there is just resolution

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 2020-04-03
Company: EQUIFAX, INC.
State: AR
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:
Fraudulent accounts currently reporting from the direct result of identity theft, 1.XXXX XXXX XXXX, 2.XXXX XXXX # XXXX, 3.XXXX # XXXX, 4XXXX XXXX  XXXX # XXXX, 5. XXXX  # XXXX, 6XXXX XXXX XXXX # XXXX, 7.XXXX # XXXX, 8. XXXX XXXX XXXX. 
Its been several months now I have been in consistent contact with XXXX consumer reporting agency in regards to fraudulent accounts appearing on my credit file due to identity theft. In addition to my disputes, I have sent an identity theft report from the Federal Trade Commission which included some of the fraudulent accounts and addresses being reported on my credit file. Since I have yet to received any correspondence or original documentation obligating me to any of the fraudulent accounts in question from XXXX. XXXX has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act sections 605b, 609, and 611. XXXX has also failed to provide a block after being notified within 4 business days by a consumer from being a victim of identity theft. As a consumer my rights have an continued to be violated and XXXX should be held accountability. XXXX has not provided as per the Fair The Credit Report and reasonable and fair investigation within 30 days. This is totally unacceptable and is currently having a negative impact on my financial situation. I recently have been denied credit due these inaccuracies and XXXX is liable.

Company response to consumer: Closed with explanation