BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a dispute to all three credit bureaus more than 30days ago and I haven't received any response. It is my understanding that according to the FCRA inaccurate or unverifiable information must be removed from the credit report. Well its ben more than 30 days and I want this issue to be resolved, this process has caused me to be sick, stressed out and I can't take it any longer. I need you guys to abide by the law just as you expect me to abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: Financial Management Solutions, LLC
State: GA
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:
On XXXX XXXX, XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, Georgia stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account FMS FINANCIAL MANAGEMENT SOLUTIONS via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with FMS FINANCIAL MANAGEMENT SOLUTIONS, ( XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ). 
On XXXX XXXX, XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, Georgia, ( XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX Court, XXXX County, Georgia ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XXXX XXXX, XXXX I sent legal notarized affidavits from XXXX County, Georgia to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, TX XXXX ( XXXX, TX XXXX ) XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX ) XXXX, XXXX, GA XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX XXXX This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with FMS FINANCIAL MANAGEMENT SOLUTIONS, ( XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ). 

On XXXX XXXX, XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing FMS FINANCIAL MANAGEMENT SOLUTIONS the following : I do n't know anything about this debt please send to the Original Creditor. 

As Resolution of this complaint, I ask that FMS FINANCIAL MANAGEMENT SOLUTIONS stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: Northland Group Inc
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is a complaint from XXXX XXXX against Northland Group for Northland 's failure to provide requested information for the debt alleged. Consumer, XXXX, received a demand letter from creditor, XXXX. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt XXXX ; and g. Any other documentation which tends to show validity. 
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-26
Company: Accounts Receivable Services
State: MN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
this is a fairly unique case as i am have recently learned of XXXX practice of forwarding accounts to a collection agency after 60 days without being paid in full. I have always preferred to pay my creditors directly and even in this case I have been making payments to XXXX on a monthly basis ever since i have been a a patient with XXXX. XXXX practice is to apply payments to the current bill in their office although their maybe extensive medical debts and payments were being made as i could afford to each week as I got paid XXXX contacted me and told me that unless i contacted the collection agency and lifted the cease communications with the collections agency and make a deal to pay i would lose my doctor as they planned to cancel me as a patient. I was intimidated into stopping my payments and told that either I pay the debt on a credit card or I make a payment plan that does not exceed 10 months neither of these were an option I asked for validation and I was told initially I did not have a valid dispute? they finally sent me the validation only to find out that they did not submit all the claims to my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: Credit Protection Association, L.P.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Follow up to CFPB No.XXXX Corporate called to state that the investigation was complete and that a corrected bill would be submitted. Consumer never received that bill. Consumer called XXXX around or about XXXX XXXX, XXXX to inquire about the bill and was told that it would be issued XX/XX/XXXX. XXXX received a notice on XXXX XXXX, XXXX that there was a {$0.00} balance and that no payment was due. However, today, XXXX XXXX, XXXX, consumer received a collection notice from Credit Protection Association L.P. dated XXXX XXXX, XXXX that the bill was in collection. XXXX created the problem by continuing to bill consumer even though service should have been disconnected on XXXX XXXX, XXXX, when consumer returned the cable equipment. XXXX did not give consumer enough time to respond to the corrected bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-07
Company: Servis One, Inc., Titusville, PA Branch
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was a loan modification process with BSI mortgage co., therefore they would not accept any payments and kept reporting me as " late payment '' and now " delinquent '' which is not a fair statement. How can I be late or delinquent when they wont accept a payment and then turn around and report this to XXXX and XXXX as a true statement? ( thank you for correcting this error from XXXX ) that is a fraudulent statement!! THEY ALSO SHOW " FORECLOSURE '' - I sold my home in the midst of this process. Never once was I informed with any paperwork or verbal conversation that I was in " foreclosure! ". I sold my home on XXXX/XXXX/16. BSI is has reported to credit bureaus as " foreclosure '' and just as recently on XXXX/XXXX/16 a missed payment??? I have tried numerous times to contact them and I never get a response!! BSI is damaging my credit and it needs to be removed immediately. I can support my situation with the letter I begged to receive from BSI showing PAID IN FULL. Please help!! 
Thank you!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: Michael J Adams PC
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Michael J. Adams PC recently garnished by bank accounts for over {$10000.00} over a debt I did not know I owed. I did not receive any communications regarding this debt. When I finally spoke with someone in their office. I was informed the original debtor was XXXX XXXX XXXX XXXX XXXX They sold the debt to XXXX XXXX, XXXX and their law firm filed a lawsuit against me. This person stated they served me with court papers in XXXX XXXX 2014 @ XXXX. I informed him that would have been impossible to do as I was at work on that day XXXX. I asked if they had a signature showing I signed these papers. The guy then tells me he ca n't give me that information and said I could get a lawyer. They took every cent I had out of my bank accounts and left them in the negative by thousands of dollars. I ca n't pay my bills or buy food for my child because all my money is gone. This is not right and I plan to fight this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a XXXX XXXX XXXX XXXX for the CFBP. 


RESPONSE : XXXX Resubmitted on XXXX ( due to error on th fax of the OCC ) I had received your letter dated XXXX, Your Institution said said that now Synchrony Bank received my payment of {$3300.00} on XX/XX/2022 and applied to my accountant XXXX. You had also said that my payment was unpaid by my bank, and the payment were reversed. 


I went to my Bank XXXX XXXX XXXX XXXX, here in XXXX at the XXXX XXXX XXXX location. On XXXX The office issue me the attached documents. I was told that this claim its not 100 % correct. That payment or any of the records claimed on your letter never appear on my bank records. ( this payments nor any transaction are not in my bank records. ) As I had mentioned prior, This his is the store error and mistake. This never existed and never took place the way XXXX claimed to happened. 

This is exactly the reason for me to request a 100 % investigation on my account, My account has too many errors and now XXXX want me to pay for it. 
I had sent a copy of {$800.00} XXXX Cash payment that was never annotated on my account. 

Pl lease see the attached documents. Let me know if theres anything I can get to Synchrony Bank in order to clarify this issue. Thank you for your assistance and your cooperation on this matter. 
Please noticed that I had responded to this letter on XXXX but I faxed the paper work to XXXX office to the OCC, which had my case # XXXX Today when I called to check on this issue, I was told that I need to resubmit this claim. 


Please noticed. 
Synchrony Bank XXXX Lowes keep saying that my payment was returned due to the bank reversed my payment. This is not correct, my bank XXXX XXXX XXXX XXXX has no records whatsoever of this transactions. 
Please see tha attached paperwork. Dated XXXX I responded inmediatly but my paperwork went to the wrong offcie.. 
Respectfully, XXXX XXXX Attached Copy of the Fax sent to XXXX on XXXX to the OCC copy of a Synchrony Bank letter dated XXXX Account xxx-xxx # XXXX copy of a Synchrony Bank letter dated XXXX copy of a Synchrony Bank letter dated XXXX copy of a Synchrony Bank letter dated XXXX copy of a Synchrony Bank letter dated XXXX ( second letter ) copy of a OCC Claim # XXXX dated XXXX copy of a {$800.00} payment believed was credited to my account d XXXX copies of XXXX XXXX  statements issue by my bank on XXXX total number of pages # 22 Today date ; 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 2016-12-07
Company: World Acceptance Corporation
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have an installment loan with the company. They call me repeatedly to ask about my payment. I informed them that I would be in that afternoon, but I was not able to make it there on several occasions due to getting off work after they closed. The company calls me during the day and if I am in a meeting or with a customer, I answer and tell that that I will call them back. On XX/XX/XXXX they called my cell, I answered and said that I was in a meeting and would call them back. 5 minutes later they called my job and asked to verify employment. I called the company ( XXXX ) back and asked why would they call and verify employment ; as they had just spoken to me. She said it was because every time they call that they get hung up on. I told her that employment verification is for loan approval and that I did not want her calling my place of employment anymore or I would be filing a complaint with CFPB because she has my personal number to speak with me and I did not want her calling my place of employment. She said that it is in my contract that employment can be verified. I told her that I did not want them calling my employer anymore because it is against the law if I asked them to stop. I assume that they are circumventing the law by calling to " verify employment '' but in essence employment verification is only for loan approval. If I already have the loan, there is no reason to verify employment because I am responsible for the loan rather I am working or not. This behavior has become harassment ; the payment is on 18 days delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have received the response below from Transunion. They send me another copy of my credit report apologizing that they made a mistake on the previous report they sent me. The phone number for the creditor is invalid., it is impossible for me to contact the creditor and verify the information that is reflected on my credit report. A representative from Transunion told me on a recorded line that the number was not working and that I should contact Transunion by mail. I am still waiting for the correct information from Transunion from the creditor. I have attached a copy of the most recent report I received from Transunion. 

TransUnion said : Explanation of closure In order to protect your privacy, we have mailed a courtesy copy of your TransUnion credit report to the current address we have on file for you. Please review and provide us with the exact information you believe to be inaccurate. You can expect to receive your report approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. 
Please visit XXXX for frequently asked questions about your credit report. 

Response After reviewing your complaint, we are unable to process your request because we were not able to determine the nature of your dispute. In order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it.

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 2015-09-10
Company: Ditech Financial LLC
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called Greentree on XXXX XXXX, 2015, to authorize a payment over the phone in the amount of {$1400.00} to be withdrawn from my account on XXXX XXXX, 2015. On XXXX XXXX that payment was taken out along with an additional payment of {$1900.00}, which was not authorized. Also a {$12.00} fee was withdrawn from my account, which was agreed to be waived. I noticed this error on XXXX XXXX, 2015, when a check I wrote was returned for insufficient funds due to the additional {$1900.00} that should have never been withdrawn from my account by Greentree. I have received overdraft fees from my bank and a return check fee from the stockbroker company who attempted to cash my check for {$5000.00}. I was investing some of my son 's money into the stock market. That money is sitting in limbo right now since they ca n't cash my check. As of this date I have not received the {$1900.00} back into my account. I have called Greentree every single day. Some days I am not able to reach my account representative. Other days I speak to her and she resubmits an email to her supervisior stating that this issue is urgent and needs to be resolved.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: Ditech Financial LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We purchased a home in 2002. When attempting to sell this home recently, we discovered that there are XXXX liens showing on the mobile home. These loans were discharged years before we purchased the home. We are not able to sell the home due to these loans showing at DMV against the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicing was transferred to Ditech from XXXX XX/XX/XXXX. I was due a 6th year Hamp incentive in XXXX XXXX of {$5000.00} plus a reamoritzation as part of a law passed last year. I 'm getting nowhere. Ditech has never responded to my numerous requests for this incentive to be applied. I lodged a complaint with XXXX XXXX and now the servicer told them that I was 90 days late XX/XX/XXXX and the treasury denied the incentive. It 's not true. I was given the {$1000.00} all 5 years. I have records to prove I was never 90 days late since my Hamp incentive was finalized in XX/XX/XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Today XXXX XX/XX/2020 XXXX, I learned that Chase bank proceeded with a credit report pull despite me stating specifically to multiple representatives ( Including a XXXX whom is a supervisor ) to not pull my credit and NO to the reconsideration for my recently closed Chase card ending in XXXX. Chase informed me today that they mistakenly submitted an credit cad application for me XXXX XXXX XXXX XXXX and meant to do another person. They did this on purpose in my eyes and is against the fair credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-28
Company: CASHCALL, INC.
State: AL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed XXXX in 2012, I have already paid back XXXX and I still owe XXXX more payments of XXXX the interest rate is 135 %. My car is broken and I ca n't afford a new one and still make this payment. they take out of my bank every month, I ca n't afford to stop paying and them harass me at work and ruin my credit with negative information. I was told this interest rate is not legal. I need help to learn what my options are?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: BB&T CORPORATION
State: DC
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
There were charges for overdraft fees when I had enough money in my accounts to cover all bills.

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 2015-09-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
The Fair Credit Reporting Act has as part of its complex legal process a definitive timeline as to when a credit trade line is to be removed. In the trade line under my name XXXX I had periods since XXXX where my payments were in excess of XXXX days late. 
XXXX XXXX is extending the time period by a process known as re-aging of debt. They are doing this by the elimination of a payment history, stating that the trade line will be removed from all pertinent credit reporting agencies XX/XX/XXXX. I believe that the 7-year rule properly applied will show that I had late payments long before XX/XX/XXXX, and that the XXXX XXXX trade line must be removed immediately and permanently. 
XXXX XXXX HAS NO OTHER RECOURSE BUT TO REMOVE MY ACCOUNT INFORMATION BASED UPON FCRA 7-YEAR RULE ON NEGATIVE INFORMATION!!! 
I REQUEST A PROPER REINVESTIGATION WHEREAS ALL PAYMENTS CAN BE POSTED TO ASCERTAIN THAT MY NEGATIVE PAYMENT HISTORY STARTED LONG BEFORE XXXX, AND THAT THE TIMELINE FOR THIS CREDIT ITEM HAS PASSED IT RESOURCEFUL PERIOD OF USEFULLNESS. 
THE XXXX XXXX ITEM POSTED ON MY CREDIT BUREAU MUST BE DELETED PERMANENTLY, AND I SHOULD RECEIVE A REVISED CREDIT BUREAU ACCORDINGLY FROM EACH CREDIT REPORTING AGENCY WHERE I FILED A LEGITIMATE COMPLAINT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: CORELOGIC INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have recently looked over my credit report and notice some fraudulent addresses on my credit report that need to be removed. 
The addresses are listed : XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, 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