BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-28
Company: Statebridge Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Almost month and half ago I got an Annual Account Disclosure Statement from Statebridge Company. Me and my husband noticed an error in calculating of a shortage of my escrow account.   Statebridge wrote d own   XXXX   XXXX    you - {$2800.00} twice i n  XX/XX/XXXX  and  XX/XX/XXXX  in  st ead once only. This error has been corrected a few days ago, but we have gotten bigger problem now.   Statebridge wants us to pay a cushion of {$2000.00}. We spoke already with Statebridge representatives and sent numerous emails to  Escrow  Department, but they did n't want to remove it.   The cushion is big difference for us, it is {$170.00} more than our monthly payment. We can not afford it, because we have to pay a shortage of {$460.00} and Anticipated Payments to escrow of {$1300.00}. In addition,  in  XX/XX/XXXX  our princip  al payment will be raised to 4.75 %, so our monthly payment will go up to {$3200.00} - {$500.0 0} more than we pay now. We would never apply for such loan or be accepted by a mortgage company.   Under RESPA Statue a lender is not required to maintain a cushion. We have never paid a cushion in the past. This is a modification loan, issued by  XXXX  and transferred to  Statebridge for servicing only. Also, we called Statebridge to pay off  our current escrow balance - {$460.00}, but the representatives did not want to accept it.   We would like to make payments on time like before, and in our opinion the cushion is not necessary. Our property tax fo r  XX/XX/XXXX / XX/XX/XXXX  will be low er than previo us one. Enclo sed a letter from    XXXX   XXXX   XXXX  ,  signed by the mayor of  XXXX , that our city tax rate will be much lower than current  one. It goes down to 3.29, so 2.6 % lower than current 3.38 one. Also  you can see our tax assessment fo r  XX/XX/XXXX . Acc ording to our calculation, if  Statebridge  does not set up a cushion, we should get a credit for next period.   We would like to be good customers, pay our monthly payments on time, this is good for a mortgage company too.   We think there is no reason to set up a cushion for us. It seems that Statebridge Company wants to collect extra money from us.   But we hope, we can solve this problem together.   Thank you,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Someone from a XXXX called at a time I was busy. Mistakenly I gave my SSN. Realizing my error I issued a credit freeze in all XXXX companies. This happened months ago. This week I received a letter from Experian stating there were changes made to credit report. I went to XXXX and my SSN variation has a wrong number. My date of birth is also wrong, and a telephone number attributed to me was also wrong. I am afraid that in spite of having my credit frozen someone is stealing my identity. Thank you -- please help

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 2022-07-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I mailed a payment in the form of a check to XXXX  XXXX for {$120.00} in the mailbox in front of the XXXX XXXX Illinois XXXX XXXX. The Mailbox was broken into and my check was stolen, altered and cashed for the amount of {$8900.00}. When I noticed this was taken out of my checking account I contacted XXXX XXXX BMO Harris bank and then proceeded to fill out a report with the XXXX XXXX Police Department. We went to BMO Harris bank to fill out the paperwork for the fraud process. For the past 6 months we have been contacting BMO Harris with no answers on our case. We have been told we may not ever get out money back. They said that they have to get the money back from the bank that cashed the check and if they had to pay everyone involed in this mailbox breakin that BMO would be out of alot of money. We ask details as to where and who cashed an altered our check and they will not tell us. We ask to have people call us back and no one does. We go into the bank and they just say its in process. 

Below i am attaching documents that include the Police report Number, the affidavit to the bank, The forged Check, a copy of my check book balance for the check i wrote to XXXX  XXXX and a email from BMO saying that they are at mercy of the other bank.

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 2022-07-13
Company: World Acceptance Corporation
State: KY
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:
This was an old loan and was paid and closed in full back in 2013. I did have issues with the balance and paid the payments biweekly until paid and then closed. I had to dispute this a long time ago and the last credit report that I had did not list that on there so this just popped back up. It has already been paid, closed, disputed, removed and now it's returned back on there again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been a victim of identity theft and it has been an absolute nightmare, mostly because of the big banks that I entrusted with my money! I sent BOA the police reports and FTC report as well as sending the arrest records and surveillance footage of the crime taking place and they still denied my claims without giving me any valid reason why. They gave no documentation to prove anything of the contrary. They simply said they were authorized transactions! I DID NOT authorize these transactions and theres no reason why they are saying 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 monetary relief
Consumer complaint received 2017-05-28
Company: ECMC GROUP, INC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am a senior citizen and  my sss chec k was garnished  by ECMC for a st udent loan I had nothing to do with. I never heard from ECMC until I discovered that they was responsible for this invasion of my privacy and identity theft of my personal identifiers, namely my social security number, my date of birth to fraudulently take money and I must say badly needed money for mere survival from my check.Had they exercised due diligence they would have known that this was not a loan of mine. when I spoke with them about adhering to the FDCPA laws they stated that it does n't apply to them when in  XXXX  V. ECMC the  XXXX   XXXX  clearly stated that they  ECMC are  subject to FDCPA laws as a debt collector. Now being that they are aware of this ruling they are using deceptive trade practice to deceive the consumer and to defraud them out of their hard earned money, plus praying on senior citizens of which I am.Had I not discovered their deception they would have taken over  XXXX  dollars from  me.ECMC  have also violated La Deceptive Trade Practice laws and Civil  RICO  statures by scheming with  XXXX   XXXX   XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX ,  N > Y >  and  XXXX  and   XXXX   XXXX   XXXX   XXXX    to   defraud me out of my money, they also drag the TREASUR Y Dept into this  scheme and t he social Security Administration.

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 2022-03-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I got an email from Chase Bank saying that my account was being temporarily closed do to suspicious activity. Today XXXX I git a letter in the mail saying that a merger between XXXX XXXX XXXX and Old XXXX XXXX  is forming and to continue making my loan payments as usual. I didn't open neither of these accounts. Someone is using my Identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
UPDATE TO CLAIM # XXXX EQUIFAX HAS VIOLATED ME THE CONSUMER AND ORIGINAL CREDITOR IN NUMEROUS WAYS AND I HAVE TRIED TO SETTLE THE MATTER IN GOOD FAITH AND THEY HAVE IGNORED ME AND NOT SETTLED AS REQUESTED. A NOTICE OF DEFUALT AFFIDAVIT OF TRUTH HAS BEEN SENT TO EQUIFAX ALONG WITH A 3949 IRS FORM.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a response from XXXX after I sent a certified letter to verify this account. They responded that the account is not being reported to XXXX bureaus. Please remove this account from my credit report immediately.

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 2022-03-17
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hope and pray that this complaint will find you and your family in the best of health and happiness. 
I am XXXX XXXX XXXX American citizen and never ever had a problem like this in my whole life. I had excellent history of my credit score.

yesterday I got bank account alert about my credit Secore has been decreased from XXXX to XXXX XXXX on XXXX. 
They have sent debit dispute to all three credit agencies, with out my knowledge. 
This was on my bank credit journey report. 
" I.C. SYSTEM, INC It looks like your account with I.C. SYSTEM, INC received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer. " I called I C System XXXX and was connected with XXXX XXXX / XXXX XXXX and I asked her about why the have added my XXXX  disputed amount of {$XXXX} on XXXX XXXX. to 3 credit score agencies. 
They are first collector who have not contacted me. Before them 3 or 4 all have contacted me and I have given them reply. After that no one has contacted me and I thought that this case has been closed. 
I have not received any letter or phone call from them. She said that she will mail me letter and she also said that I have an offer to settle this for {XXXX 
According to your website They have to call me which they did not. They have even my email as well in there system and they have not contacted me. 

What I need your help to please ask them to remove this from all 3 credit score agencies. As to my understanding They have not followed instruction and rules laid down by consumer finance department. CFPB. 
Your help in this connection will be highly appreciated.

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 2022-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently reviewed my credit report and seen that Portfolio recovery LLC was trying to collect an alleged debt from me and reflected on my credit report. I disputed the account through XXXX and nothing was done it only updated. Pursuant to 15 USC 1681b ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave portfolio recovery LLC any written instructions to furnish anything on my credit report. This is a violation of the Fair credit reporting act. This account should be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have disputed an account for  XXXX   XXXX   XXXX  several times now with Transunion and have not had a resolution as of yet. First I must say that the account is not mine and no one has validated this for me if for any reason I do owe on this account. Second this account has been removed several times from my credit report and reinserted without my knowledge which violates the FCRA Part ( A )  ( 5 ) ( B ) ( ii ), the dates are as f ollows  :   XXXX   XXXX   XXXX      ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX  . Also not to mention, I feel that they are also attempting to reage this account by continuing t o change the amount owed from {$1100.00} to {$1100.00}, these amount has been changed several times, this violates FCR A Section 605 ( c ). I curre ntly have an open dispute with Transunion and fear that I will still have no resolution to this issue.

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 2022-03-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I set up for full account payoff effective XX/XX/2022. I received confirmation via email that the collection company would complete my payoff as scheduled. When I went online today to confirm payoff of {$170.00} I found the firm paid off all but {$.00}. When I asked why they said they dont remove the final penny for 10 days. That would acquire interest when total payoff was confirmed for today, XX/XX/2022. There is also no available payment mechanism. 

Site : XXXX XXXX XXXX  XXXX % XXXX % XXXX XXXX Social : XXXX Last name : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Cascade CISS Holdings, LLC
State: NC
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 XXXX  XX/XX/XXXX XXXX -Inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  -Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date. XX/XX/XXXX XXXX  - XXXX date XX/XX/XXXX XXXX XXXX date. XX/XX/XXXX XXXX I have reached out to the company they said that I have given authorization to pull my credit i did not. I am not aware of the inquires that are listed above. Therefore I have disputed several times with the credit bureaus and they refused to remove the unauthorized inquiries listed on the report. 


I have disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: CBC Companies, Inc.
State: NC
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 XXXX- XX/XX/XXXX XXXX -Inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX  XXXX XXXX inquiry date XX/XX/XXXX FACTUAL DATA- XX/XX/XXXX FACTUAL DATA- XX/XX/XXXX XXXX XXXX CO -Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date. XX/XX/XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX date. XX/XX/XXXX XXXX I have reached out to the company they said that I have given authorization to pull my credit i did not. I am not aware of the inquires that are listed above. Therefore I have disputed several times with the credit bureaus and they refused to remove the unauthorized inquiries listed on the report. 


I have disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions 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 status incorrect

Complaint:
The Department of Revenue reported the child support my late wife was awarded in my divorce for the time we were separated as back delinquent child support even though the payments were payroll deducted and I never missed one. She unfortunately passed from XXXX XX/XX/2021 and I now have my 2 minor children full time. I have been attempting to obtain a mortgage ever since. Due to the inaccurate reporting, I have been repeatedly denied a mortgage even by the VA ( I am a decorated XXXX veteran ) I went to court and the DOR agreed to have both inaccurate accounts deleted from my credit report in XX/XX/2021. As of today, XX/XX/2021, that has yet to be corrected. One of the accounts is still showing and now the payment from XX/XX/2021 showed as being in collections. Last month it did not. This black mark on my credit just will not go away. I now have an enormous amount of inquiries due to trying to get a mortage on all 3 reports because of it which is now also stopping me.

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 2022-07-13
Company: Credit Karma, LLC
State: ND
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX a deposit of {$37.00} was made to my Credit Karma spend account from my minor child 's employer for his payroll. Credit Karma locked my account and sent me an email notifying me the account was locked due to the deposit. I provided the requested documentation to verify identity including mine and my XXXX  child 's state issues identification. After multiple requests for an update, I received a response on XX/XX/XXXX stating my accounts had been closed and they would be sending the funds to my address. To which I notified them after multiple attempts to update my address since XX/XX/XXXX, it still reflected my prior address. I received an email on XX/XX/XXXX stating that the check had been returned on XX/XX/XXXX. I again notified Credit Karma that the address they are sending to is not my address. I was told I needed to provide proof of address with limited criteria or the address needed to appear on my credit reports. I verified the address does appear on my credit reports and provided proof of address with multiple copies of medical bills, a copy of my divorce signed by a judge with the correct address, and additional bills verifiable with my credit report. As of XX/XX/XXXX, Credit Karma is still refusing to send the funds to me regardless of what proof I provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX and XXXX - This judgement is not on either reports for XXXX and XXXX but it remains on Experian.It is invalid and can not be verified. I called the courthouse and they do not have this judgement on file with my name and address AND SSN. They even stated that they do not verify with credit bureaus anywhere. 

Sent to Experian 6 months ago : Judgment XXXX I am disputing the the type of public record and docket number. Please remove this item immediately because this does not match my records. Who did you verify this information with??? I talked to the courthouse and they stated that they do not verify with credit bureaus at all! And, If you verified with a third party, that is against the FCRA and I did not give anyone permission to do so. I have filed a complaint with the CFPB. Please see complaint attached.

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 2022-03-17
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, XXXX XXXX put a {$250.00} collection on my account. I have no idea who XXXX XXXX is and don't owe anyone any money. Lastly, no attempt was ever made to contact me by XXXX XXXX. Please remove the XXXX XXXX illegal collections account from my Equifax credit report. XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX. 

Please be very aware that XXXX has already noted that the XXXX XXXX collection is illegal and removed it from my report. Equifax, I recommend you do the same and remove the illegal XXXX XXXX collections account.

Company response to consumer: Closed with explanation