BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-19
Company: States Recovery Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by States Recovery Systems Inc 11 days before my arranged payment due date. I found it odd that I was contacted by an individual ( XXXX XXXX ) that does n't typically handle my account. He asked if I wanted to set up a postdated payment and I informed him that today was just the XXXX and I have 11 more days until my payment is due ; therefore I 'll call in on my due date like I always do. I informed him that I am one of the few people they may deal with that actually calls in to make my payments and I do n't need them to call me. 

Though I informed him NOT to set up a postdated payment and I will call in on my due date ( XXXX ) like I always do. As of yesterday ( XXXX/XXXX/15 ) I received a letter in the mail stating that a postdated payment has been set up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: TRUSTMARK CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage loan with Trustmark Bank. For over 3 months now the " Load History '' page on their mortgage website has not worked so I can not see my payment history. I have called twice and been told that it 's being worked on, but 3 months is a LONG time to wait for a crucial website to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX XXXX  based in XXXX XXXXXXXX XXXX has filed a lawsuit in XXXX XXXXXXXX XXXX against myself ( XXXX XXXX, formerly XXXX ) to collect a debt ( that I believe I may actually owe ) without ever contacting me. I have received no mail, no calls, and no emails from them. Ive still not even been served. I only found out about this filing because I received a letter from an attorney offering their services to fight the case. I have now made 3 attempts to contact this debt collector- twice by phone, once by email, and have not yet been able to speak to a human being ( I reached voicemail for both calls ). This company is making no attempt to collect the debt in a reasonable manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : XXXX. The following account is not mine XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

XXXX. Mistaken Identity XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. This account resulted due to identity theft. 
XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
The listed item is entirely inaccurate and incomplete, and 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 had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 
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 2016-12-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I submitted notarized letters on XXXX XXXX, 2016 and on XXXX XXXX, 2016 in regards to XXXX bankruptcy XXXX. As of XXXX XXXX, 2016 I contacted the original creditor they have listed as reporting the listing at XXXX and spoke with XXXX who informed me that they have not done any reporting whatsoever to ANY agencies to include the credit bureaus. This has led me to the conclusion that any previous correspondence informing me of an honest, thorough investigation was not only not completed, but the results were falsified. This is a major crime against me as a person and my consumer rights as well as my consumer rights. I intend to file suit if this bankruptcy listing as well as all accounts attached to said bankruptcy are not deleted from my credit profile.

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 2016-02-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian has not removed an item in which I have advised is beyond the 7 year time period. XXXX erroneously is providing the first date of delinquency. It is not XXXX of 2009 in which XXXX is reporting. It is XXXX or XXXX of 2009 which this item would be deleted off my report. The payment made to comcast I was told in XXXX 2009 by my cousin was for previously owed bills. The remaining balance was for XXXX, XXXX and XXXX for a total of XXXX dollars making the first date of delinquency in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: SCA Collections, Inc.
State: ND
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have made this company aware that I am a Victim of identity theft. This Company has ignored a police report with Verification that I am the victim of identity theft. This company is reporting fraudulent information on my credit report. I have told them that during the time in question I reside in North Dakota and sent proof. I have also told them that I am and have always been on XXXX. Additionally any bills that I accumulated while on XXXX they would 've paid. It 's also AGAINST THE LAW TO BILL SOMEONE WHO 'S INSURED WITH XXXX FOR ANY OUT OF POCKET MEDICAL EXPENSES. IVE HAD XXXX SINCE 1980 UNTIL NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I got a letter from Experian saying that I had a " potentially negative item '' between XX/XX/XXXX and XX/XX/XXXX, but they did n't say what it was ( of course, then they could n't charge you ). I tried to obtain a free credit report from the Experian website, but I was declined and told that I had to submit my report in writing. I tried using annualcreditreport.com, but just got dumped to the Experian website again and marked as having obtained my free annual credit report when I did n't obtain it. Come back in 12 months. Due to XXXX problems over the last years XXXX - I do n't have the time or staff ( I have no staff ) to pursue these people when they are making things difficult. They promise you a free credit report every year, then scam you by counting a denial as actually receiving a report, so you have to pay for something that you should n't have to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I will have to send to you my experian report no XXXX and XXXX. 
My problem is ongoing for over 20 years i am being denied credit. 
Someone is filing old stuff back on and back dateing informationone is XXXX XXXX bank XXXX wirelessother inquires and bankrupcy filing that are dismissednot reporting or removed. 
mostly old stuff also XXXX is reporting a small loan for {$60.00} which has been disputed. 

I want the agentcies to give me a clean slate this is not fair Im trying to re start newcredit and also using my score to be low. 

If they dont stop I feel that I may have to file a XXXX action against all parties. 
I would like to get this removed for good and they are old. 

I will gather more reports when i get them. 

Sincerely yours, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is regarding Loan # XXXX with Chase BankAfter my husband 's passing on XXXX XXXX, XXXX I informed the bank in person of his death. The title is in my name as well as the deed to the home. 
The loan was in his name only. Due to my financial circumstances at the timeI was advised that it would be best to leave it as is for the time being and just continue making the monthly payments. There was no guarantee that I would qualify to assume the loan. This scared me. So I did my best to continue making the payments monthly. 

In the months of XXXX and XXXX XXXX I faltered with XXXX payments. Currently I have been 2 months behind since then. But have not missed XXXX payment since that time. 


I have made several attempts to Chase Bank to resolve this and get a snap shot of the loan. Because I am not on the loan they are not authorized to speak to me or give me any information. I advised them that XXXX had passed away. I was told to send a copy of the death certificate and a copy of my Grant Deed. They also requested an estate letter which I do not have. 
When I called back to fax it over I was rejected by the person that I had spoken to. And left in limbo again. 

When I had received a certified letter regarding my loan being in default no one would speak with me. 

On XXXX XXXX, XXXX I went in person to the bank to make my monthly payment. My money was refused and I was informed that it had gone to the foreclosure department. 
Upon presenting my power of attorney letter I was told that they would n't accept this either. Since the POA was dated from XXXX. There is no expiration on the document. 

I was told that I owe {$12000.00} in back pay for the last six months. But I have been paying every month. When I asked where my money was going, I was told that they did n't know. So even though all my payments have cleared for the last 6 months they are saying that I have n't paid. But I am still in the same predicament not being able to be informed about information on this loan. Since this time I have sent over to the Chase Corp. office documentation of the Grand Deed and the death certificate. 

I want to resolve this issue by agreeing to start a payment arrangement to pay off the existing late charges. Because they rejected my XXXX payment I am now three months behind and officially in default. I believe that this was totally unnecessary to deny this payment. They have taken all my payments for the last two and half years. Then suddenly they have decided to quit taking my money. It seems like they are intentionally trying to make me lose my home. I was only 2 months behind. Not 6. 
Please help me get this matter resolved. I am a responsible XXXX year old woman. At the time that I originally defaulted my finances were very tight and I was trying very hard to pay my bills. Since that time I have been working and have managed to make every house payment monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent Experian XXXX fraud letters regarding a XXXX account that does not belong to me. They did respond asking for identification and proof of residence, which I sent initially but I sent it again. Have not heard anything back from them. I submitted an FTC Fraud Affidavit that I had notarized at my local bank. It disgusts me that Experian is allowed to operate a business this way. I 'm on the verge of suing this unethical company. Identity theft is a huge problem in this country and I am a victim of it. I have attached the FTC Affidavit I sent Experian along with a final certified receipt date XXXX/XXXX/2015. On XXXX when I went to check the status of my dispute using their Report number # XXXX the website stated that I HAD NO ACTIVE DISPUTES. Please assist me in getting this resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The information shown on my Experian account is not correct, I have emails proving the information was supposed to be removed and/or corrected : XXXX - Revolving - XXXX - Individual XXXX XXXX - {$5300.00} Collection - {$0.00} -PAID LAST REPORTED DELINQUENCIES : XXXX CHARGE OFF LAST PAID : XXXX / It should of been removed months ago

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 2016-01-28
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My brothers divorce case ( XXXX XXXX ) showed up on my credit report and I disputed it and told them about it on the phone and they said they would delete it and they just sent me an email that there decision was it is still going to remain on my credit report. I just want it off my credit report. It 's showing up on my experian and XXXX reports and need it off before I can close on a house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-22
Company: National Credit Services, Inc.
State: NC
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I contacted this company after I was given their name to help pay back my student loan. They gave me a monthly amount of XXXX+ to pay back but I offered XXXX a month. They told me that when the loan was paid, they would report to the credit agency and it would not show as a loan collected through a debt collector. I was also told that this would prevent my tax refund being taken as well. Well my tax refund was kept and they said they did not know why that happened, maybe my name was on a list for them to be held. I said my taxes were n't held the year before so it was something they must have done such as putting my name on a list to hold my tax refund. Even though it went towards my account, I was told that because the loan would be paid off early now, I was not entitled to the benefits of having this be reported to credit agencies as paid off without debt collection. They misrepresented what they were going to do and how they were going to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have an item for XXXX XXXX on my credit bureau report. 
I recently disputed this account with Equifax, and the information was reported as verified and accurate. I 'm sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. 
If they were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that they send me an explanation of the methods used, and a description of the records reviewed, when they conducted the investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I would also like to know the person whom they spoke with if this was done over the phone. I am attaching information from another credit bureau, showing this same debt was included in a bankruptcy that was discharged XX/XX/2010

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have found a total of XXXX accounts that I have requested information/ validation on this debt bearing my signature and have not recieved anything stating that I owe this company any money. They have repeatedly responded that they have investigated and verified the validity of my debtand dont even allow me to dispute their claim. I have never done business with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, never signed a contract nor do i owe them any money.

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 2016-07-19
Company: RoundPoint Mortgage Servicing LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have provided every document to Round Point Mortgage and every time I call in they say they have everything, then I get a letter stating they need something else that I already have sent in. Now I keep on getting told it is in review. We are 60 days out and a BPO has not even been done as of yet.

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 2015-04-06
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have requested multiple time that my mortgage servicer create an escrow account for me. I have provided all of the information they need both by email and by fax. Every time I call, I have to hold for a minimum of XXXX minutes and more typically XXXX minutes before I ever speak to a human. Then, when a human does finally answer, I often get mysteriously disconnected despite calling from a landline that I NEVER have issues with otherwise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Case number : XXXX - Your response was unacceptable, not to mention asinine! What do you mean not specific enough. Let 's review this again. 
1. ) Experian has a phone number on their website to call they advertise you can get to a live agent ; but, you can not. False advertising - specific enough? 
2. ) XXXX of the security questions from their public record IS WRONG! The make and model of my first car. XXXX ; t you think I would know the answer to that? They have it wrong, whatever it is and it needs to be changed! - Again - specific enough? Now, please refer back to my original escalation ( XXXX number : XXXX ), reopen it and forward to Experian and hold them accountable.

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