BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-17
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midwest Recovery Systems  XXXX   XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX , MO  XXXX  Phone : (  XXXX  )  XXXX  Has reported a totally FALSE debt on my credit report. Here is the explanation to  XXXX , the credit reporting agency. This is NOT MY DEBT. It does not belong to me. There is no verification or proof that shows that it belongs to me. This is a SCAM. They have DINGED MY CREDIT REPORT WITH BOGUS INFORMATION.     Midwest Recovery Systems, LLC ; Collection Reported  XXXX  ; Assigned  XXXX  ;  XXXX   XXXX   XXXX   XXXX  ;  XXXX   XXXX   XXXX   XXXX  ; Amount {$850.00} ; Status as of  XXXX  Unpaid ; Date of 1st Delinquency  XXXX  ; Balance as of  XXXX  {$850.00} ; Individual Account ; Account #  XXXX  ; ADDITIONAL INFORMATION Consumer Disputes This Account Information ; Collection Account ; Address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MO  XXXX  : (  XXXX  )  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Collection Bureau of America Ltd.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX   XXXX  is attempting to collect funds from me for a delivery of water they never made. It was scheduled to be delivered but never was. This is not the first time the newer delivery driver failed to deliver to us and we were still charged. I know this for a fact because I have an HD video surveillance system. They assured me on three different phone calls that the bill would be corrected but it never was. Also they are trying to collect additional funds they are not owed for late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan service was transferred to Seretus from XXXX. XXXX had double charged for insurance I already had for over a year and owed me a refund. They sent it to Seterus who put it back into the escrow for impounds. They refused to apply the overage to principal & interest, they are n't paying any interest and refused to refund the surplus unless I pay current. I agreed to pay current if they agreed to finally send the refund I 've been entitled to for 6 months. I paid another {$4500.00} even thought the P & I due was only {$2600.00}. They said they had to run another escrow analysis, the 3rd in 4 months, and even though they acknowledge they still have a surplus of {$1900.00} which I am due, they refuse to mail me the refund because now I 'm due for XXXX/XXXX/15. This is a never ending game. Every month they delay until another payment is due and then say I 'm delinquent. All the while they have been overcharging me for impounds. XX/XX/XXXX is the first month my payments have been billed correctly in more than a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is reporting student loans accounts multiple times as closed accounts, transferred accounts & delinquent accounts giving a false total as bad accounts. Their reporting caused my credit report to dive by XXXX points in 30 days. In truth, the following accounts have been deferred or transferred to a new company & are all in positive standing : XXXX Other account that appears as negative are the followings : XXXX : Has incomplete, incorrect and inaccuracy information. Never has been paid late and the report establish that was pays as agree. 
XXXX ; incomplete, incorrect and inaccuracy information. This was a secured account and is impossible that was paid late. The credit report established that was paid as agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax Information System is reporting inaccurate information on my credit file. The inaccurate information has been furnished to Equifax by XXXX. The inaccurate information is the FIRST DATE OF DELIQUENCY ( XX/XX/2010 )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
When I called Equifax to Report that XXXX XXXX has A Consent Order against it Civil Action No. XXXX signed by the FTC-CFBP. When I referred their Supervisor to page XXXX paragraph XXXX FCRA violations Equifax hung up on me. this also referred to XXXX whose accounts were purchased by XXXX XXXX. it is not enough that Equifax Supervisors hung up on me but the crowning achievement of ignorance is not to abide by an FTC-CFPB signed order

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
In checking XXXX XXXX, there were XXXX inquiries on my XXXX credit report that I believe should not be there. I have contacted XXXX, via certified letter and approximately XXXX telephone calls. These communications date back to XXXX XXXX, 2016. 
The outcome from Equifax on all means of communication was that those are factual information being reported, they would not removed them, and I need to contact the companies. I asked for a supervisor and they would not transfer me, rather chose to be argumentative and hang up on me. 
With the advise from the Equifax representatives, on XXXX XXXX, 2016, I contacted the XXXX companies ( XXXX XXXX, XXXX and XXXX ) via certified letter. The outcome from all three of the companies is that they are promotional inquiries and they would not be removed. 
Today XXXX, I again phoned Equifax wherein they once again refused to delete them or transfer me to a supervisor. Although, this time the representative advised that the pulls were actually hard pulls rather than promotional and they have effected my credit rating. 
I am seeking your assistance in having them taken off my report. Should you need copies of my documentation, I will certainly provide the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: High Point Asset Inc
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:
For the past month, I have been harassed over the phone by callers claiming to be from a company called Highpoint Asset. They claim they 're trying to collect a payday loan debt, but they have refused to provide me with a debt validation letter or any information about the original debt by mail. ( I took out some payday loans about 3 years ago, but those loans were all paid in full. ) On XXXX/XXXX/15 and XXXX/XXXX/15, I spoke with a representative who stated his name was " XXXX. '' He told me that he would mail written verification of the debt to me and I would receive it within 3-5 days ; I have never received it. He threatened me with legal action if I did not pay. The numbers that these callers have been calling from are : XXXX, XXXX, XXXX, and XXXX. The callers have also been calling my wife 's and my daughter 's cellphones, my sister-in-law 's cellphone, and my nephew 's cellphone. My wife has attempted to answer these calls to her cellphone, but when she is put on hold to speak with a representative, the phone is disconnected after about 1-2 minutes, so she has never been able to speak with an actual person. When I spoke with " XXXX '' on XXXX/XXXX/15, I told him to stop calling my wife 's and daughter 's cellphone numbers, and he stated that their phone numbers would be taken off my information ; however, my wife and daughter continued to get calls at least twice a day. When I spoke with " XXXX '' again on XXXX/XXXX/15, I told him that my wife and daughter were still getting phone calls, and he again said that their phone numbers would be taken off ; to this day, my wife and daughter continue to get phone calls on their cellphones. My family members and I have been receiving calls 1-2 times every day. My wife looked up the phone numbers that have been calling us, and was directed to public forum websites where numerous people have stated this company runs a payday loan scam. On XXXX of the forums, a person who said he was also harassed by Highpoint Asset stated that he researched the company and found an address for them : XXXX XXXX XXXX, XXXX, NY XXXX. He also stated that this address is the main business address for another company called XXXX XXXX , XXXX We have been informed that that XXXX XXXX has refused to provide any of their requisite operating information to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: ENCORE CAPITAL GROUP INC.
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: Account information incorrect

Complaint:
On  XXXX   XXXX ,20 17 i settled with a debt collection agency MIDLAND CREDIT for the amount {$650.00}. They stated to me they will remove this from my credit being th at i have no obligation anymore to this account. It has not been removed states charged off with derogatory marks which is really hurting my score. After being harrased by the company and force to sue me and i settled with them they DID NOT comply as they stated to me as removing the negative remarks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Hillcrest Davidson & Associates
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Hillcrest Davidson and Associates representative names XXXX was put on the phone to discuss a debt issue with me, he demanded payment immediately otherwise he will damage my credit. I tried to explain the situation that this XXXX account is for business and my boss is the one who is responsible for this and I was proactive with XXXX and get all written notice to XXXX within the timely fashion but the XXXX XXXX XXXX company decided to send to collection anyway. After trying to explain to XXXX, he was rudely refused to wait, and threatening to damage my credit if I am not giving him payment, then I asked them for the amount owed and telling him that I will tell my former boss to send payment, and that still does n't make him satisfied unless I pay him right away. Then I told him that according to FTC, and consumer right to request a written statement mail to my mailing address which I offered to give XXXX but he refused to give me any statement, and hung up the phone. I called him back couple times after, and verbally requested a letter with his firm and amount owed so I can forward to my former boss. XXXX again refused to give me anything. I told him that I am not trying to avoid the payment but I need to contact XXXX and local installer to get to the bottom of this but XXXX did not want to hear anything or give me anytime to gather all of my documents. The way XXXX talked to me was rude, unprofessional and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: HANCOCK WHITNEY BANK
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a deposit through the ATM of XXXX. There were NO signs indicating a deposit delay on the machine itself or on the screen. My deposit was accepted of {$75.00}. The deposit was not posted to my account until XXXX days later. I was not given credit for the first {$200.00} of the deposit, AND I was assessed NSF charges on the account. I contacted bank personnel concerning the matter and nothing has happened as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: High Point Asset Inc
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I got a call today from a debt collector stating that they were willing to consolidate a debt from XXXX different payday loans. I never took a payday loan out, but the company that called me provided me with my ss #, old address, birthdate, full name and bank account information. I tried calling the XXXX companies that these loans supposedly originated from, but they are no longer in business. I also have not worked since 2011 and have lived in XXXX since then, but XXXX of these loans supposedly originated since we left XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Consumer Portfolio Services, Inc.
State: GA
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:
XXXX / XXXX / 16  Called credit bureau to try to have inquiries removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: ALLY FINANCIAL INC.
State: GA
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:
XXXX / XXXX / 16  Called credit bureau to try to have inquiries removed

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 2016-01-19
Company: Seterus, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased my home XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX. 
XXXX XXXX XXXX was the servicer at the time. I paid every payment on time. 
I went through a divorce, unemployment, XXXX and ( Not-at-fault ) automobile accident that caused me to fall behind on the payments. I qualified for XXXX and was able to maintain my house. XXXX XXXX XXXX agreed to accept a loan modification instead of the previous messy one. In the middle of the process, they sold the servicing to Seterus, XXXX XXXX XXXX, which since then have been extremely aggressive accelerating the process towards foreclosure despite my several attempts to communicate that I have been going through the process of Loan modification with XXXX XXXX XXXX, they are insisting that there is no record of the modification except for the XXXX occurred in XXXX XXXX. I filled the Seterus XXXX application but they have sent me Notice of intent in XXXX only 10 days after they received my loan servicing from XXXX XXXX XXXX. It is my belief that XXXX XXXX XXXX has passed on the responsibility to Seterus since Seterus seems to get away with being a bully and extremely unhelpful. Every single time I called Seterus, I had to re explain the entire story of my loan with XXXX and how the initial modification although successful at {$2200.00} per month including of Taxes, insurance and Escrow, they simply messed up the paper work after the successful three month trial of {$2200.00} per month, they suddenly raised the mortgage payment to {$2700.00} claiming that they mis calculated the escrow. That took six month for me to get XXXX XXXX XXXX to admit and issue me the opportunity to go through a XXXX modification. Only one month through the process they sold off the loan servicing to Seterus. Now Seterus seem to be blocking my loan modification process, at XXXX time they claimed that the reason they do n't wish for me to apply for modification is because I had a modification less than a year ago despite me explaining that it was a messed up process and that XXXX commenced a second modification. I explained that all that needs to happen is to simply see the documents that I sent to XXXX prior to the transfer XXXX XXXX and see that I was going through a modification. I told them that I am confident that I will be able to pay the mortgage after the modified amount is reduced to the original payment as defined by XXXX of {$2200.00} per month. I am confident that I can pay that amount and keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a business checking with kabbage on mid XX/XX/2021, I have more than {$12000.00} in the account on opening, the APR were 1.10 % with {$300.00} opening bonus. On XX/XX/XXXX, kabbage paid only $ XXXX on interests, the calculation is wrong ; I deposited another {$25000.00} on XXXX, but the interests they paid on XX/XX/2021 is only {$14.00} with my opening bonus, the calculation is so wrong. I started calling on XX/XX/2021, almost daily, I got transferred around or being put on hold for hours, no one can assist me from Kabbage, their representative XXXX and XXXX calculated the interests with me together on the phone, the mistake is obvious, but they dont have special department to correct this problem. Today, I got a phone call from kabbage, I called back, the representative said the calculation is correct, I calculated with that person on the phone together, he eventually agreed calculation was wrong, but he doesnt know what to do and can not help me. Its been almost two month, no one can help and give me a correction!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I checked my credit report and noticed that this is on there. I have never purchased sheet metal before. I have been in business with this nor any other sheet metal company, for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
An updated Insurance Policy was submitted to Seterus via fax on XXXX/XXXX/2015, fax confirmation hereto attached. On XXXX/XXXX/2015 XXXX XXXX XXXX Seterus confimred a new policy was not received. On XXXX the insurance policy was refaxed, fax confirmation hereto attached. On XXXX/XXXX/2015 a request for an escrow analysis was made with XXXX XXXX. On XXXX/XXXX/2015 a follow up call was made to Seterus for the status in which we were told it would take 7-10 days. On XXXX/XXXX/2015, we called Seterus spoke to XXXX XXXX XXXX Seterus to follow up on the escrow analysis but would not provide any other identification as confirmation of the call such as her full last name, extension or Agent ID ; who stated an escrow analysis was never ordered and she also advised the conversation XXXX XXXX was with their insurance department XXXX not Seterus so it was not processed since XXXX. She stated the turn around will take another 7-10 days. Seterus ' stall tactics of not performing a proper escrow analysis since XXXX XXXX 2015 for over 2 months is putting the borrower at risk of defaulting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On  XXXX   XXXX ,    2017 a hard inquiry was placed on my  XXXX  credit report by One Main.    I called and requested them to have it removed but it is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
HI, I had an incorrect collection placed under my name from   XXXX   XXXX   XXXX   in  XXXX , Colorado. The collection was placed  XXXX   XXXX  and I moved out of the complex in  XXXX    XXXX  . I spoke with the apartment manager and it was an issue on their end. He reached out to  XXXX   XXXX  ( collection agency ) and had them remove it.   XXXX    removed the incorrect collection about a week later.     I am having issues with equifax not removing the mark. I have calle  d three times and they were not able to help. The last representative advised the remark was removed and sent me a " revised '' full credit report that would reflect the update. Of course, the mark was still there when I received the new report. Their website is useless and shows " completed '' under the dispute number, but neither advises " verified '' or " denied '' as shown in the directions. I emailed 4 tI especially after that. The response I received was please call us because we are experiencing high email volume. I tried to escalate to a Manger and received no response after that other than a survey. I tried to take the survey by the way and the link did n't even work. Worst customer service I 've ever seen.
My thought is if  XXXX  already dismissed the collection then equifax would report the same. Please help me make my credit report cor  rect because I am having no luck with equifax. I can provide the dispute number.     Thank you,  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Equifax and XXXX ( XXXX separate companies and services and charges yet identical products ) enrolled me unknowingly in their credit monitoring program and charges my credit card {$1400.00} a month. My credit card was recently changed and a new card was sent to me with a new number. Equifax and XXXX obtained my new credit card number without my knowledge. Either XXXX provided it to them without my consent or somehow they obtained my credit card number from someone else. There is no clear way to cancel this service, presumably since it 's an unwanted service and a legitamate yet scamming service.

Company response to consumer: Closed with explanation