BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-06
Company: Experian Information Solutions Inc.
State: GA
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:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated : XXXX XXXX XXXX XXXX  Original creditor : 01 XXXX XXXX XXXX XXXX {$2400.00} Account Info Account numberXXXX Collection opened XX/XX/XXXX Account type Collection Account Balance Loan Amount {$2400.00} Payment Info Original loan amount {$2400.00} Balance {$2400.00} Account Name Account Number Account Type Date Opened Status Account Name Account Number Account Type Responsibility Date Opened Status Account Name Account Number Account Type Responsibility XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Collection Individual XX/XX/XXXX Collection account. {$2400.00} past due as of XX/XX/XXXX. 

XXXX- XXXX XXXX XXXX Business LOC  Individual Date Opened Account Name Account Number Account Type Responsibility Date Opened XX/XX/XXXX Collection account. {$980.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Lease Individual XX/XX/XXXX Account charged off. {$2700.00} written off. 



I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2015-12-15
Company: Nationwide Intermediary Services llc
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On Monday, XXXX XXXX, I received a call from XXXX XXXX requesting a return call at XXXX in regards to a debt. The message stated that documents would be filed within 48 hours if no response was received. I called back and spoke with XXXX XXXX, XXXX XXXX and XXXX XXXX and was told that the name of their company is Nationwide Intermediary Services. They stated that the reason for the call was because they had received a debt to mediate from XXXX XXXX XXXX and they provided me with the case number, original debtor and value of the debt. 

At this time, I asked them what my options were to repay the debt and they said that I could make arrangements but it could only be done with my debit card, checking account, or prepaid card. At that point, I set up an arrangement with them but let them know that I would need something in writing with their companies name, address and confirmation that these payments would be applied to the debt that they stated. They said they would prefer to email me the letter but I explained to them that email is not valid and requested a hard copy be mailed to my address and confirmed the physical address for them. They agreed and let me know that it would take XXXX days to receive the paperwork. 

At this point ( six business days later XXXX, I have not seen anything in the mail, nor have I received any additional phone calls from them. I can not confirm whether this company is authorized to collect on this debt, or if I am being scammed. My first payment is scheduled for XXXX/XXXX/15 but I will not be loading my prepaid card with funds until they send me valid documentation for my records. 

I have been the victim of these scams before so I will not be sending any funds to this company without receiving the requested mailing with account resolution information included.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: MILLENIUM HOME MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hello, I approached XXXX XXXX of Millenium Home Mortgage in XXXX regarding mortgage refinancing. I told him I would like to refinance my house in XXXX to take advantage of the lower interest rates. So, I set out to explain my situation. I told him my house was rented out and the lease would end in XX/XX/2015. Furthermore, I told him I was living in a rental apartment in XXXX, but planned to move back to the house in XX/XX/XXXX, as soon as the tenant moved out. So, I asked him if he could help with the refinancing, and he said yes. He further stated that he could refinance my house as owner occupied, provided I was able to provide strong motivational reasons for moving back to the house as soon as tenant moves out. So, I provided all required documents and paid the appraisal and mortgage fees. 
After paying the fees, the appraisal was done and my house value came back ok. 
To my surprise, XXXX XXXX told me the financing could not be finalized until I move back to my house. He stated that I told him I was going to move into my house before the refinancing is concluded. There was never a time I told XXXX XXXX this. 
I believe I have been misled into parting with my money and would like to know if there is way to have my money returned to me. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-19
Company: Credit Central Holdings, LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
They keep calling and calling and calling even when we told them to stop calling my phone. They told my sister in law that there was an emergency and to call her back immediately ( she got so scared that she thought her brother was in the hospital ) and had to block their number. They have threatened to send people to our home to collect. the lady has left very rude and demeaning messages on mine and my husbands phone. we have spoke to them on the phone and the lady the lady yells and curses at us in which in return sets me off and I have had to tell her that I do n't speak to my husband that way and I will be damned if she does. we have been through a lot this past month when they were calling constantly. my mother passed away on XXXX XXXX and I begged them not to call mine or my moms phone and I was told that they do n't care what is going on in our home and its not their fault. they are driving us crazy. its not like we did n't plan on paying them we are just going through a hard time right now with my husband loosing his job right before XXXX and the lose of my mom. thank XXXX my husband is now working full time again but were still in the hole from when he is unemployed. I do not understand how a company can be so rude and have no compassion what so ever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Mid-Michigan Collection Bureau
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt collector has violated FDCPA by failing to provide validation and history to an alleged collection account reporting on my credit report. After several attempts with communicating with the collection company and receiving no response for months, XXXX dispute still resulted in the company verifying that the information was correct but it is not. The debt was paid to the original creditor before any collections began.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXXXXXX XXXX Account XXXX : XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2015-03-31
Company: United Collection Bureau, Inc.
State: OH
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 collection agency insists I owe a debt that is not mine. They will not comply with attempts for verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Debt inclulded in Chapter XXXX BK, collection agency will not accept and continue to collect debt. Some one use my name and information for a ticket and failed I was charge with a XXXX, something I was not aware of this happened in 2011 and I am just aware of this. So I am trying to clear my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: ORG GC GP Buyer, LLC
State: NY
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:
My wages have been garnished for this since 2010 and my employer says it was paid as per court docket now 5 years later GCServices is trying to collect additional funds and will not send me proof of all payments and total collected my employer states in access of XXXX and my pay stubs prove it just want to know how these companies can recollect the debt all over and start with harassing phone calls for a debt I know is paid in full

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06
Company: ORG GC GP Buyer, LLC
State: PA
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:
My loan is with a collection agency titled GC services. The only way the company will set my payments up is if I have XXXX references. They already have XXXX on file and I can not find another source who lives outside my home. There guidelines state you need XXXX outside the home so because I do n't have a third reference I can not start repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Daniels Norelli Scully & Cecere, P.C.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a savings and checking account with XXXX. My savings only had {$5.00} in. I recently noticed that {$77.00} was transferred from my checking into my savings without my knowledge then a restraint was put on it I contacted the # I was given but the debt collector could n't explain when the debt was from. I asked several times and he jumped around the question. That conversation was recorded by his company XXXX XXXX XXXX XXXX XXXX. I 'm no lawyer but I know that they are not allowed to transfer my money from XXXX account to another. I contacted the bank and I 'm still waiting for a response from them. I would like to know if what they did was legal before I take it to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: Credit Corp Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have been receiving relentless phone calls from Credit Corp Solutions ( XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX ) over a XXXX XXXX balance of approximately XXXX. Today they called my ex-husband trying to get information from him about me. we have been divorced since 2002! After I accumulated this debt, I was laid off from my job and took a loss of XXXX per year which significantly lowered my ability to pay as much on my bill as before. I continued to pay XXXX per month ( which is what I could afford at the time ) after my lay off and decrease in income. They started to continuously call me, up to 5 times per day, and tell me to pay more. I responded to their phone calls and told them that the most I could afford to pay on this bill was XXXX per month. They rejected this proposal and refused to negotiate. I then told them that I could not agree to pay more. I did research this type of situation and it is more harmful for me to make small payments without an agreement as it still was been reported to the credit bureaus even with the small payments I had been making all along. I do not want them to call me, my ex-husband or any of my family over this. I would still agree to the XXXX if they would agree to stop making reports to the credit bureaus but they refused to agree to what I could afford to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In  XXXX   XXXX  I decided I wanted to Pay Off my mortgage loan. I started checking my Principal and Interest balance. I noticed t hat ShellPoint Mortgage Servicing ha d the wrong final payment date on my loan.They said the maturity date was  XX/XX/XXXX  By my Promissory Note the date was  XX/XX/XXXX . When I spoke to them they agreed to  XX/XX/XXXX . I then told them that the Principal and interest balance was off also. They told me I needed to put in writing a complaint which I did on  XXXX . I sent them a  Amortization Schedule w ith my loan imformation. They said they had 30 days to respond which they never did. Every time I would call and speak with someone they gave me the run around. As of today my Principal and Interest should be  XXXX  not  XXXX .   Loan started on  XX/XX/XXXX  first payment  XXXX .  XXXX  is my principal and Interest payment per month. loan was for  XXXX  at 15 years for 180 Payments with a fixed Interest rate of 7.9 % .When I asked them to send me a Amortization schedule they said they did n't have to.This loan has never been modified or any payments deferred The loan is current. I appreciate your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: COAST PROFESSIONAL INC
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My federal loans were on an unemployment deferment. The deferment expired while my XXXX XXXX husband was on maneuvers and I was in another state XXXX XXXX to our XXXX  child. The loans have now entered into default and I request rehabilitation. 

But I don't want to ratify the amount Coast demands and I can not agree to any payment plan until I know the precise nature of the charges Coast Professional demands from me. 

The numbers do not add up. 

Will you please explain : 1. Why the principal amount increased 2. The percentage of interest charged and calculated month over month / year that resulted in the Outstanding Interest amount annotated on the NSLDS. 

My forbearance letter dated XX/XX/XXXX with deferment start date XX/XX/XXXX ending XX/XX/XXXX indicates the current principal balance as follows : Loan Disbursed Date Current Principal Balance XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX TOTAL XXXX The NSLDS as of XX/XX/XXXX indicates my outstanding principal as follows : Loan Disbursed Outstanding Outstanding Date Amt Principal Balance Interest XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Total XXXX XXXX XXXX The Default Resolution Group indicates my principal amount as : {$60000.00} This debt collector is demanding over {$90000.00}! Over {$13000.00} is listed quite ambiguously as " *Fees and costs ''. 
I want the debt substantiated with a precise explanation of the amounts demanded. I then want rehabilitation to get my loans back on track and manageable.

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 2016-09-28
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I bank with Chase and have for over 10 years. The online bill pay used to work a bit differently- the funds were taken from your account when the recipient received the funds or cashed the check from Chase. Now funds are taken when the payment is made. I thought the funds were transferred electronically but that is not necessarily the case. My mortgage payment was made through online bill pay on XXXX/XXXX/2016, and over {$2400.00} taken from our account. When I received the XX/XX/XXXX statement from our mortgage servicer they did not show the XX/XX/XXXX payment had been received. I contacted them, went through the process of submitting information and waited for a response which took over a week, for them to tell me they needed a copy of the cancelled check ( I had originally submitted the only payment verification information available on Chase 's website ). I called Chase to get a copy of the cancelled check and was told after quite a bit of back and forth, that the check had not been cashed. Chase would apply a stop payment and the funds would returned to our account overall between processing, stop payment, etc. in 5-7 business days. 

Had I written a paper check the funds would still be in my account and I would have been able to easily see that my mortgage company had not received the payment. I could have simply made the payment online through their website to avoid late fees and any negative reporting on my credit. Now my mortgage payment will be 30 days past due and show on my credit because of Chase 's online bill pay process and because I do not have an extra {$2400.00} just laying around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: BBVA FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Simple Bank failed to issue {$250.00} account opening bonus for depositing {$10000.00} upon enrollment. Simple also failed to investigate and credit account for unauthorized charges from XXXX for {$190.00}. Simple Bank required significant contact with merchant only to deny claim not once but twice. I did not sign receipt agreeing to pay and merchant simply wrote N/A where signature required. Contacted merchant several times and merchant refused to answer phone. See attached call log. Further, Simple Bank may be affiliated with the XXXX XXXX  ( XXXX XXXX  ) XXXX in Utah, Arizona, and Oregon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX XXXX has claimed that Account ending in XXXX has been charged off {$2900.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.

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 2020-10-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband passed a few months ago, I've requested mortgage assistance with my servicer. I have submitted request for mortgage assistance with my financials to Select Port Folio. Received in the mail letter from the foreclosure attorney stating they were accelerating my loan. I don't want to lose my home to foreclosure please assist me with my mortgage assistance request.

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