BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-09
Company: Recovery Partners, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I and another person had gotten in an accident on XX/XX/XXXX. I filed a claim with My insurance ( XXXX ) and they took care of everything. XXXX XXXX, the company of the other person n the accident, is using Recovery Partners LLC to collect a debt that has already been paid in full. It is concerning a claim that they said happened on XX/XX/XXXX. It happened on XX/XX/XXXX and my insurance XXXX too care of it. They have been rude, threatened to take away my license if I do n't pay the sum of {$2500.00}. I am and was insured on the date of the accident. Do not use XXXX as they use strong arm tactics and try to make you pay a bill already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Since I have my new number, NCO FINANCIAL SYSTEMS , INC calls every morning/ sometimes twice a day asking for a person who apparently my new number belonged to in the past. Sometimes automated or direct calls. We have talk daily to let them know we do not know her/nor related to her in any way. for this is a new number, and they say they will stop calling but they continue. This has been happening for a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: PHH Mortgage Services Corporation
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with PHH Mortgage Co of XXXX XXXX 
PHH has a responsibility to collect my monthly mortgage pmts in a timely manner via ACH Direct Debit as established on the ACH authorization form that I signed and submitted XX/XX/XXXX. 
PHH was in compliance until I began to periodically submit clearly marked 'principle-only ' pts via check in XX/XX/XXXX. As directed by PHH, I always delay mailing these pmts until after the loan pmt is scheduled to be debited from my bank which is the XXXX of each month. Also, as directed by PHH, I mail the 'principle-only ' pmts to XXXX XXXX XXXX XXXX XXXX Yet, many times PHH is not taking the ACH debit action on the XXXX, but rather uses my 'principle-only ' check to cover that pmt due on the XXXX and applies only the balance of my check to the principle. The result is my loan pmt is delayed and my {$1000.00} 'principle-only ' check results in a mere {$440.00} applied to the principle. 
I see this as a fraudulent means for PHH to manipulate and collect additional interest on this loan and to deny me my right to pay this loan off as quickly as I can. 
I expect this mammoth mortgage company to honor our agreement to ALWAYS collect my loan pmt on the XXXX of each month via ACH direct debit. I also expect PHH to ALWAYS timely credit XXXX % of 'principle-only ' pmts to my principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I didn't open this account and I want it removed. I asked for how this account was opened without me being informed over 30 days ago. I need my report corrected asap. I don't see how ppl get away with this

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 2021-04-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed the fact that a Chapter XXXX bankruptcy that I filed XXXX and was dismissed on XX/XX/XXXX should no longer be reported on my credit report. The laws clearly state that ChapterXXXX bankruptcy will remain on your credit report for 7 YEARS from the date filed, which it should have been removed XXXX. I XXXX disputed this in XXXX, with Equifax. Equifax reported that this bankruptcy was mine and verified XXXX. As of today it is still on my record. XXXX XXXX and XXXX did remove the bankruptcy XXXX. I again disputed with Equifax in XXXX about the bankruptcy, and again they claimed it was verified as accurate. After talking with a customer service agent with Equifax, they informed me that I had to call the bankruptcy court and dispute the record. On XX/XX/XXXX I called the court, and they advised me that they do n't report anything to the credit reporting agencies and that I needed to consult with an attorney. Nevertheless I 'm getting tired of the run around and the time its taking to resolve this. Especially when the XXXX other credit reporting agencies have since removed the negative information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Since XX/XX/2021 coinbase has blocked my account with the ammount of XXXX in it under the excuse that they were " reviewing my account ''. 
I sent all the doccuments required and nowadays my account is still unavailable I've sent many complains asking about this issue and the ansered apologizin for taking long indicating that they have a big ammount of work to do. 
Finally they sent a message telling that the revew was " done ''! And my account continued blocked for trade or withdraws. 
After some complains their final answer is repeated : the case is closed. 
I still can not withdrow my found or operate with it. I dont know what to do! 
My account is still blocked and i can not contact to anyone!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-15
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Pressler and Pressler Collection Agency has been collecting monies on a debt way longer than they should. They received the debt plus plenty of interest to date. This case should be closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  RE - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ
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 found these entries erroneously entered on my credit report. I disputed them will all XXXX credit bureaus and they were removed for lack of evidence to substantiate the debt. A few months later, they were back on my credit report and disputing it did not remove them. 

I believe this is from a security deposit that was paid through a third party vendor for my apartment at XXXX. If it was n't paid, I would not have been able to LIVE in the apartment I lived in. I know that the apartment was clean and did not have big cleaning needed to facilitate the use of any security deposit. 

First, I 've never received notification of an attempt to collect this debt. Second, there previously was n't enough information to substantiate the debt via all XXXX credit bureaus, so where did the proof come from? Even the apartment complex could n't provide me proof that any debt was owed. Lastly, I have never received any proof or communication from either the apartment complex or the third party collector attempting to collect this debt and negatively affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: AMERIS BANCORP
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: Problem with personal statement of dispute

Complaint:
On my credit its showing I missed a payment in XX/XX/2020. I have never missed a payment ever or been late. But I did a forbearance for 3 months. That would be XXXX, XXXX and XXXX. I was dealing with a miss XXXX At the time. I called multiple times and Ameris bank said everything looks good on their side. I tried to talk to a credit to dispute but I cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: Seterus, Inc.
State: LA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I HAVE AN ACCOUNT THAT IS FRAUDULENT WITH YOUR COMPANY THAT NEEDS TO BE RESOLVED IT IS REPORTING ALLTHOUGH IT WAS CREATED AS A RESULT OF MY IDENTITY BEING STOLEN THIS ACCOUNT IS NOT RECOGNIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never signed any contracts with bridgecrest nor have I ever heard of, met with any representative of bridgecrest. Bridgecrest needs to produce the original contract that I allegedly signed with them and show verified proof of something of value given to me by bridgecrest within 72 hours or I will litigate this matter. Bridgecrest even reported to the credit bureaus that theres a contract between them and I ; such act is fraudulent. I am now being injured and harm has come due to the fraudulent acts of bridgecrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Experian Information Solutions Inc.
State: PA
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:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX DEPT OF EDUCATION/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 2021-04-20
Company: Capital Management Services, LP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX, XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XXXX, XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times. 
Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with CAPITAL MANAGEMENT SERVICES LLP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
It 's concerning the XXXX auto payment closed XXXX of 2008. We paid that bill in full after the car was totaled by the insurance company- XXXX XXXX XXXX There should not be anything derogatory concerning this account. We were never late on payments and they received the total due in XXXX of 2008. I would like this negative mark removed from my credit report. Please check with XXXX to confirm. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX IS SHOWING ON MY CREDIT REPORT AT A CREDIT CARD WITH A LIMIT OF {$1300.00}. I HAVE NEVER GIVEN THEM PERMISSION TO ACCESS MY CREDIT TO MY KNOWLEDGE. I WAD DECEIVED INTO ALLOWING THIS COMPANY THAT I THOUGTHT WAS AN ACTUAL STUDENT LOAN COMPANY CHARGE ME {$1300.00}. APPARENTLY XXXX USES XXXX TO RECEIVE PAYMENTS ON THE COMPANY BEHALF. ACCORDING TO XXXX THEY LOANED ME {$1300.00} TO PAY XXXX TO SUBMIT AN APPLICATION TO THE DEPARTMENT OF EDUCATIONS STUDENT LOAN FORGIVENESS PROGRAM. IT IS SHOWING THAT I HAVE USED 89 % OF THE CREDIT LIMIT WHICH HAS NEGATIVELY AFFECTED MY CREDIT. I WOULD LIKE THIS ITEM REMOVED BECAUSE I DO NOT RECALL ELECTRONICALL SIGNING ANYTHING STATING THAT THIS WAS OK. THEY ARE CHARGING ME {$49.00} A MONTH UNTIL THAT {$1300.00} IS PAID OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The servicing company show a balance of {$10000.00} on my mortgage after the maturity date of XXXX XX/XX/2021. This would mean that I had missed 2 years of payments. I did not have any modification to my original loan agreement. i was approved for 2 times for deferment payments totaling {$2500.00}. As of the XX/XX/2021 statement I mailed in the XXXX P & I payment and the deferred amount of {$2500.00} for a total of {$3100.00}. This should have satisfied the account. Prior to the maturity of the loan, i made numerous contact with the prior servicing company, Ditech, and the current servicing company, Shellpoint. Neither has given proof showing 2 years of the missing payments nor any legal documents showing that there was a modification to the loan that would validate the balance in question. The payment documents provided by the companies do not show 2 years of missing payments but only the deferred payments.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Please note that XXXX did adjust the incorrect issue, however they continue to add phone numbers on my personal information that are not and never have been mine. The following telephone numbers I have asked to be removed and they have not done this. They are in Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. In regards to XXXX they correctly placed me on a 7 year fraud alert, then the following month, placed me on a reduced 90 day fraud alert, why they did this I do not know, but this is incorrect, I should remain on the 7 year fraud alert. I have recieved confirmation from XXXX, and XXXX I never received any confirmation from Equifax on the status of the 7 year fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Credit inquiries According to my most recent credit report, your company is currently reporting to the three credit bureaus that I had applied for credit with your organization. I do not recall granting you authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiries. If a signed authorization can not be found please remove the inquiries from the three main credit bureaus. The presence of this inquiries is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiries. 
Inquiries info : SYNCHRONY BANK Inquiries : XXXX XXXX, XXXX ; XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : 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 non-monetary relief
Consumer complaint received 2015-08-06
Company: Seterus, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I was paying our monthly mortgage payment to Seterus, Seterus stopped accepting our mortgage payments. We requested a mortgage modification with Seterus mortgage XX/XX/XXXX and on XXXX other times, they have refused to work with us. Seterus has taken our money and they have set several property foreclosure sale dates. We are still in the property and want to keep our home. The Making Home Affordable Modification Law is suppose to help people like me. I spoke with Seterus Foreclosure Attorney XXXX XXXX he said to me and my wife he was going to take my house and he and the mortgage company Seterus was not going to let me keep my house. There is a property foreclosure sale date set for XX/XX/XXXX. A thirty day notice was to be sent to me and my wife that is required by Tennessee Law I did not receive a 30 day notice. It is a Class C misdemeanor not to give a 30 day notice per XXXX Tennessee XXXX. 
Please help me to keep my home. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: MARINER FINANCE, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On  XXXX   XXXX ,   XXXX  , Representative  XXXX , called me 9 times on my phone and then called my employment. I contacted the representative and he threatened to garnish my wages. He was rude and very unprofessional.

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