BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-05
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
Hi there, I got a payday loan with Cash Central in the amount XXXX XXXX I have been using their service for over a year and always pay on time. This time I took the option of breaking the repayment into 4 monthly payments of XXXX ( totaling XXXX ) so I could stop re-loaning. When the 1st repayment date came I realized the payment was attached to the incorrect bank account. I called them to change the accounts but they said i had to wait until the payment was returned. Afterwards instead of making the payment the next day they sent me account to the collections office straight away and charged an extra fee. 
I called them to ask to re-instate the repayment plan but they insisted I pay in full. I made an arrangement to pay over XXXX third of it that week which processed successfully. I called them to organize the repayment of the remaining XXXX . When i STATED IT WAS NOT IN MY BUDGET to repay the entire amount on the spot they asked me how much money i had in my bank account. Both people asked me this the two times I had called and treated me forcefully. I stated I had n't arranged for XXXX two payments but the lady had suggested a plan. They had set up two more payments form my card for the following two weeks. I told them that these were not authorized but only suggested by the representative and that she said she would call me to discuss. I had to argue with a lady for 20 minutes in order for her to not process the next XXXX $ on my card that week, which I could not afford. I had to keep stating " I do not authorize you to charge my card ''. she finally agreed to wait until the following week. 
Today I look at my bank account and the entire amount of XXXX $ was attempted to be processed yesterday without my authorization, which is entirely illegal right?? 
Not only did I not have a scheduled payment, I clearly did n't authorize the payment of XXXX $ never mind XXXX XXXX At the end of my phone call the lady asked if i was still with XXXX XXXX XXXX and i said yes. So they decided to use my account information to try a payment even though unauthorized. 
I do n't think these companies should get away with this kind of activity. I paid on time every month for a year and they are acting without boundaries, and illegally, using my card information without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX no contract no signature

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 2016-08-21
Company: Phoenix Financial Services LLC
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have an unverified account from PHNX FINAN. I had previously disputed this account. I have never done business with PHNX FINAN pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PHINX FINAN Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PHNX FINAN Cease and Desist all further communications and collection actives and provide the verification of the purported

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
FROM : XXXX XXXX XXXX XXXX/XXXX/XXXX TO WHOM IT MAY CONCERN : I DISPUTE THE COLLECTION ACCOUNT BY PUGET SOUND COLLECTIONS ON BEHALF OF XXXX THE CORRECT AMOUNT IS {$1400.00} NOT {$2100.00}. 

During the past 12 calendar months, XXXX billed my health insurance, XXXX XXXX XXXX, for XXXX different service dates. The total amount XXXX XXXX has been paid to date in XXXX is {$6600.00}. A total of {$7100.00} was billed. I am not responsible for the charges that total {$1400.00} from XXXX XXXX, XXXX. Attempts to collect any amount from me should be ceased and this account immediately canceled. 

I have paid the maximum out of pocket amount for my XXXX XXXX XXXX XXXX XXXX XXXX insurance plan. XXXX claims, including this one from XXXX, are still being processed by XXXX XXXX XXXX. I have never received any bills or notices from XXXX. I became aware of this account from my XXXX credit report. 

My health insurance carrier, XXXX XXXX XXXX, is still processing this claim for services on XXXX XXXX, XXXX. XXXX XXXX XXXX thought that my auto insurance carrier, XXXX, was financially responsible for this claim. This is simply not true. I had a policy limit of {$10000.00} for XXXX XXXX Protection. That amount was exhausted quickly by other claims. XXXX XXXX XXXX is responsible per the terms of my health insurance policy. Ultimately, they will have to pay this claim. 


Sincerely, 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 2017-02-06
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
submitted my file for loan modification review in XX/XX/2016 with Bayview Loan Servicing. I have sent my documents and have contacted my Relationship Manager and have received no response. I am working with a XXXX company XXXX who also contacted Bayview on my behalf only to be advised they have not received a Third Party Authorization which has been sent on numerous occasions. I have a sale date and I called my Relationship Manager to see if the sale date was postponed to allow time for the modification review however received no response. Please help. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have tried twenty times to get my free report from Equifax. They keep saying I am giving them the wrong information even though i absolutely am not. They are trying to get me to pay for the report instead of having to give it to me for free.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Seterus, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced under the Home Affor. Act several years ago w/Seterus. My payment later went from XXXX to XXXX ( temporarily to catch my escrow up ). That was several years ago. Now, they 're raising it again to XXXX, even though I have a fixed rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
For My XXXX loan which was declined ( case XXXX ), we applied to XXXX XXXX for the mortgage. The credit reporting ( XXXX XXXX ) was the same lies from XXXX, Equifax , and XXXX as with the XXXX reports. I called all the firms after the XXXX report and they agreed that some of the comments were not true. There was XXXX delinquent account, not multiple and that XXXX was due to a XXXX bill sent to my former wife ( over 20 years ago ) at an address I never lived at. I received the bill 3 mos. later and it was Paid. Too many inquiries were noted, XXXX by XXXX XXXX and XXXX which I do not have cards. Since 1976, all accounts paid as agreed and not past dues. Amounts owed on accounts is too high - not true. XXXX account, not accounts, for one month over the last 3 years - all bank revolving accounts are paid each month - XXXX balances. Proportion of balances ( again plural ) to credit limits is too high on bank revolving or other revolving is simply not true - I outright lie. XXXX XXXX knows me and says these reports are a small part, especially when my other financial condition is so strong. These credit reporting services are not being truthful and half truths are lies, not truths. How many other people who rely on their credit to live, have been unfairly treated by these firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Claim XXXX I am requesting this claim be opened back up and I be issued a temporary credit again The company has received the items and is refusing to refund me I have proof of the items being sent back with the return label they provided they say they will not issue a refund for what ever reason this is theft I'll attach the XXXX  label I used to send the Items back Return information-XXXX  Shipping company -XXXX  Order number XXXX and order number XXXX For order number XXXX the company was paid a XXXX  claim for a loss package and are still refusing refund Return tracking number XXXX Shipping company 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 2015-12-06
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On my report is states that I have XXXX XXXX XXXX XXXX XXXX accounts that are shown as a negative impact. However, all of my student loans are and have always been in good standing. They were all consolidated into a total of {$72000.00} which is list as a positive impact on my credit score. The XXXX XXXX accounts are listed XXXX basically, XXXX which is inaccurate and itemized as negative. And the second which is correct, as a positive impact. I 've reached out to XXXX XXXX which is now XXXX and they stated they show these loans were consolidated and paid in full. However, the negative marks are still on my credit report which credit reporting agencies refuses to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted XXXX XXXX Credit regarding a Hard Inquiry placed on my Equifax report dated XXXX. XXXX XXXX Credit has no account or a record of application. They would need Equifax to correctly dispute with them the information for resolution. I called Equifax many times and they refused. I did an online disputer and it was closed almost immediately to which XXXX of Equifax customer service representatives stated that they generally just close them out without further inquiry. I would like Equifax to correctly inquiry and resolve this issue and remove the Hard Inquiry as there is no information from XXXX XXXX Credit, no account records and no application history or any information leading to any reason of a credit inquiry to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Dear CFPB Staff, I contacted Equifax Credit Reporting Agency back on XXXX XXXX, 2017 to give them my new address and to request my free annual credit report. They then sent me a letter back saying I needed to send them a copy of my Utility Bill along with proper Identity documents showing who I am. This has been done. However, it 's now been over 60 days and I have yet to receive my annual credit report and check if there 's anything I need to correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX account listed on my Equifax report incorrectly. I 've been disputing the fact that it was ever late, but it was officially paid off in XX/XX/XXXX. When they responded to Equifax with that information, it started reporting 120 Days delinquent in XX/XX/XXXX. That ca n't be possible with it being paid off in full and only negative 60 days once and 30 days XXXX other times. XXXX XXXX agrees with me and says so in a letter that I 'll attach. Equifax refuses to update the record, but the other agencies have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently pulled my reports in XXXX, upon that I found numerous inquiries and fraudulent accounts on my reports. I contacted the Equifax and they told me I needed a police report. I went to XXXX office filed a report. Once I received the report I was told to fax it in to Equifax, XXXX. I was told that the items would be deleted and removed. However upon opening my XXXX bank account, I found out my score was a 401 due to collections from the fraudulent accounts that were deleted. They have been reinserted after being removed. When I called back in XXXX I was told another investigation was to be opened because the company had sent them ( Equifax ) placing the item back on. I then asked to speak to a supervisor he was extremely rude and stated there was nothing he could do because I had to do another disputes. As of yesterday XX/XX/XXXX I sat on the phone being switched from one agent to another then left on hold for 2hours and 15 minutes. Equifax needs a better system if you are a victim of identity theft these companies should have to provide verifiable information that account is properly accessed to the right individual. I would like for Equifax to make these creditors provide accurate information for my reports and if they ca n't delete and remove those items and send a reconsideration letter to my bank saying that it was an oversight on my reports of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Seterus around XXXX of XX/XX/2014. I had previously sent a payment of {$57.00} to cover an escrow shortage to my prior mortgage company. When my loan transferred, the amount of {$57.00} was credited to my escrow account as of XXXX XXXX, XX/XX/2014, however my payment was a higher amount. I contacted them on XXXX XXXXXX/XX/2014 and was told that they would not be able to credit that amount since it was received by XXXX. They proceeded to tell me my mortgage payment would be increased to {$1100.00} per month and would not be the {$1100.00}. The amount of {$57.00} was listed on my XXXX XXXX statement for the month of XXXX from Seterus as a single payment to my escrow account. Yet, I had to make the higher payment amount of {$110000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
For the past several months I have been trying to get Equifax to address an issue I have on my credit report regarding XXXX XXXX. In short, XXXX XXXX has been willfully and falsely reporting the date of a judgment against me. In XXXX, we entered Bankruptcy. We have been advised that XXXX had filed a complaint against us in XXXX of XXXX. Our attorney advised XXXX that we were entering into Bankruptcy and that our bankruptcy would be filed on XXXX XXXX, XXXX. XXXX continued to pursue legal action and were awarded a judgment against me on XXXX XXXX, XXXX - They did not advise the judge that they were aware that the account had been included in the bankruptcy which was recorded two days earlier. Further, XXXX then began reporting to the credit reporting agencies that the date of the judgment was XXXX XXXX, XXXX NOT THE ACTUAL DATE of XXXX XXXX, XXXX. 
After 3 different requests for an investigation - Equifax finally " reinvestigated '' the account and much to my amazement came back and reported a PUBLIC RECORD DATE OF # XXXX ( Civil Judgment ) as being XXXX OF XXXX! I was alerted to a drop in my Equfax score by more than XXXX points and when I check my file a NEW PUBLIC RECORD ( reporting the same case number as # XXXX ) has been update to a disposition date of XXXX XXXX, XXXX! 
I am completely baffled as to how Equifax could be so inaccurate on this information. To compound this problem - I work for a Police Agency who uses credit scores as a means of determining an employee 's " fitness for duty '' - Their inaccurate information is now endangering my ability to maintain my position. This needs to be fixed and needs to be fix immediately. I have reached out to Equifax via phone and correspondence and have been advised - They will look into it!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX is reporting erroneous information on my Equifax credit report. I have a charge-off that was reported in XXXX 2008. This debt has expired according to the statute of limitations. In addition, XXXX XXXX XXXX has posted INVALID CHARGES. The invoice was coded incorrectly. Please remove this trade line from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a XXXX veteran who has been the victim of ID theft numerous times. I have sent Equifax several valid police reports asking them to remove and or block fraud accounts on my Equifax credit report. they will not do anything to address this issue. I am in the process of filing a lawsuit against them for failure to comply with the law. I wish this matter to be resolved prior to having to go this route. Equifax also will not update my credit file to reflect the correct information that should be reporting. The following accounts are still listed and are fraud and need to be removed ASAP. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Santander Consumer USA Holdings Inc.
State: NM
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I work for XXXX XXXX XXXX, AZ but lived in XXXX, AZ. We were Furloughed in XX/XX/XXXX and lost wages as a result. Fell behind on a lot of bills, including one for Santander. I tried, but it seemed that the payments never made a dent in the loan to include the late payments. It got so bad that that they threatened to take away the vehicle, a XXXX Ford Ranger. So I voluntarily surrendered the vehicle. I was at work when my wife called to report Santander picked up the vehicle. That day was XXXX XXXX, XXXX. I later learned, from my XXXX XXXX, that a claim was made against the vehicle. I explained to XXXX that the vehicle was surrendered back to the Lender and the conversation ended there. Upon renewing my Insurance with Progressive XXXX XXXX, XXXX, XXXX reported that their quoted rate of {$560.00} has changed to {$700.00} plus dollars because of a No-Fault Accident that I was involved on XXXX/XXXX/XXXX. This is impossible as I was at work at the time of the questioned incident. I paid the difference for the insurance. XXXX gave me a toll-free number, XXXX, so that I can dispute the accident and get a report of the details. I have been unsuccessful. After 40 seconds of instructions about this XXXX service the call ends apologizing for services being unavailable at this time and to call again. I have tried twice and am very frustrated. I recently received a letter from a Law Firm representing Santander ( Ref. XXXX ) to collect {$15.00}, XXXX. I refuted that charge as I refuted Santander 's settlement for me to pay {$6000.00} several months ago when they stated {$12.00} ( approx. ) was outstanding after the sale of the vehicle. This seems highly suspicious. Not sure what 's the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am a victim of identity theft and have filed fraud alerts and Equifax refuses to provide me with a copy of my credit history file. Their website tells me they ca n't process and that I need to contact their automated phone system. That system tells me I need to call them on the customer service number listed on my recent file -- however I have not received any recent file and I do not have that number. I am entitled to my file and they are disregarding my rights. Obviously the have no respect for my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I XXXX are requesting as of XXXX/XXXX/2016 a temporary credit freeze be place on my credit file at Equifax XXXX and XXXX and all other national credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Green Square Company LLC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I have gotten several calls from someone representing themselves as PRG. They claim that I wrote bad checks for a payday loan I did not take out and then claim that I never attempted to pay a company back, and threaten to serve me with papers if I do not pay them. They refuse to give me any information on this supposed debt or send me anything in writing, they just ask to conform my social security number and banking information.

Company response to consumer: Closed