BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-13
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have contacted Experian on four different occasions in regards to accounts being reported on my credit file. The accounts are XXXX {$1700.00}, XXXX/ XXXX. After properly disputing these accounts four times i received a letter from Experian stating that i needed to contact the collection company. I have contacted the collection company and they responded with a letter stating that they have already verified these accounts and sent a billing statement. I have NEVER received any verification from this company and i sent experian the letter i received. Experian still refuses to remove these accounts from my file even after getting proof that these accounts can not be verified.As per the FCRA verification of accounts must include contract or original signature, in which this company XXXX has provided either one. Billing summaries ARE NOT considered to be valid verification of accounts. In regards to XXXX / XXXX, I have multiple disputes with the company and Experian credit bureau, This collection has been removed from all other bureaus including XXXX and XXXX because the bureaus did not receive accurate verification from the collection company. So how is it that Experian magically verifies and reports information that could not be verified and deleted by the other XXXX credit reporting bureaus? Experian has not sent me information in regards to how they have verified these accounts and this is against the FCRA. I have the right to request information that is being reported in my credit file, and the right to recieve documentation on how these accounts were verified. Neither documentation has been sent to me and that is a violation. FCRA 611:6b Notice of re-investigations states that i SHOULD receive a notice of investigation, and that a description of the procedure used to determine the accuracy and completeness of the information shall be provided to me. I have not received any of this information which leads to me to believe that Experian is willfully withholding information in my credit files from me. This is my last and final attempt to resolve these issues before i contact the FTC and Attorney General 's office. I have been completly ignored by this company and my disputes has gone unverified.

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 2017-04-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt has been removed from my credit report several times and  XXXX  keeps reinserting them. Sometimes within hours of finding they had been removed. Other times  XXXX  has " sold off '' the account to a subsidiary and reinserted the debt as if it were new!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX  made us aware our escrow was increased. We were given the option to pay it in full or increase our monthly payment. We paid the increase of {$290.00} in full on XX/XX/2019 before the deadline. We then continued to pay our monthly mortgage payment on time each month. The mortgage company is now saying that our mortgage is past due. They failed to apply the escrow payment appropriately. The payments made since then are being placed in a suspense account because they are for the regular amount without the increase. We notified the mortgage company of the error but they have not corrected the problem. They have acknowledged receipt of all payments but have not credited payment to the mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: SUN WEST MORTGAGE COMPANY, INC.
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I were trying to get a modification on our house and that back in   XXXX   XXXX   is when filed for this with our HUD certified mortgage modification  counselor.  We in default on   XXXX   XXXX   because we still could n't pay in full and the modification was denied. So filed appeal because they had said that the VA said that we are in the negative balance of {$80.00} and that is what  Sun West h ad told my HUD  counselor.  I turned in the appeal so this papers were in and with all the proper documents and adding income with extra dependent that I have legal guardianship of her. So then they ask for more on   XXXX   XXXX   and extra documents plus more info on my dependent. Like Social Security info and her account info from bank.   Then in   XXXX   XXXX   they asked more specific paperwork for my dependent like if you  may pr ovide her birth certification. I just send the award letter for Social Se curity Office an d thats it.   In  XXXX  they asked again but in this wording we will require copy of birth certification or any other documents to verify the dependent 's birth date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: AES/PHEAA
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have recently started to educate myself on credit and trying to work on my own i have disputed my school loans a couple of times as my community colleges I've attended have have both officially closed all locations XXXX college and XXXX XXXX XXXX XXXX for financial aid fraud both school took advantage of my lack of knowledge with financial aid responsibilities both school submitted applications on behalf I tried attempting to pay loans and just never was able to get a job in my field to pay back loans and with no help like promised from XXXX with job placement or no school locations to take refresher classes like mentioned at time of enrollment made it even harder I've recently tried to contact debt collector to start payment plan options since my disputes did not work I have no contact info or have yet to receive any letters or phone calls that the loans are now reflecting this status in my credit report Payment Info Status : " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '' and does not provide a number or website to contact to dispute ive made a login to federal student loan and have called the number provided rep states they no longer have my collections debt she gave an explanation but I have no idea what that means I feel these should be removed its reflecting horrible on my credit they have neglected to contact me to collect debt or notify me of debt since it had changed collections agency or company in charge of collecting debt I don't know please delete from my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company has no legal authority to collect this account. They have made an illegal entry and gained access to my credit report for money that is not due and paid in full, months ago to the principal account holder. This amounts to an attempt to illegally collect money that is not due. I call that extortion. This company has no assignment of claim and therefore no standing to collect anything. This company has gained access to my credit report under fraudulent pretext. I have a 'credit alert '' system in place and on XX/XX/2019, I was advised of this illegal action by that alert system. The company has made no effort to contact me over this so I wrote them a letter, as this is the weekend. A few months ago I filed a complaint with this agency over this issue and XXXX. Since then I have discovered a pattern of deception by XXXX and now this company has gotten involved. 

Convergent Outsourci XXXX XXXX XXXX XXXX XXXX, WA 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 2020-10-07
Company: ARVEST BANK GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
While in the process of refinancing our properties we learned that one of our current mortgage holders Arvest central mortgage company miscalculated the annual escrow analysis and raised our monthly payment by XXXX per month without notifying us. We only found out because the company we are refinancing with showed us a report that has us marked as delinquent for the last 2 months payments on this property with Arvest ... .again this is because our automatic monthly payment sent each month did not cover this newly incorrect monthly payment amount. Because of this incorrect delinquent notice on our record our reference has not gone through costing us extra money each day this issues is not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: LEXISNEXIS
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all ftc violations XX/XX/XXXX - In XXXX of XXXX, XXXX announced a data breach that exposed the personal information of 147 million people. The company has

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Applied for a auto loan receive Ann inquiry 3 separate occasions Never received an adverse action letter Which is highly against the law Obviously XXXX XXXX needs to revisit the law books

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 2019-12-21
Company: WESTSTAR MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have made my monthly payment well ahead of schedule and have also made extra payments towards the principal of my loan. Westar Mortgage has incorrectly processed several of these payments and ends up grouping them as " Unapplied Balance ''. I always put the information required in the payment memos to determine if the payment is for " monthly payment '' or to " apply to principal '' per their website 's instructions. I have called several times about this problem and I am assured on the phone every time that the problem is going to be fixed and I don't need to have any further actions. Because Westar Mortgage is not applying my payments properly it is causing me to incur extra interest and late fees that I should not be required to pay. 

I now have over {$2000.00} that they are calling unapplied balance and Westar Mortgage is sending me letters saying that I have missed payments and that they are going to turn over my information to the credit bureaus as well as keep charging me late fees. 

I feel this is unacceptable and need it to be known that Westar Mortgage is not servicing my FHA loan in a professional and logical manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
i am struggling to get financing to go back to school, due to the fact that i have over 79k in loans that i am expected to pay back on a XXXX year salary. this is nearly imposisble for me as i am a father of XXXX and have no other source of income. when i went to XXXX i had no idea the cost of what college should be and now i have learned that the caliber of education i received does not equate to almost 100k, i wish to learn more about the CLAss action lawsuit against Navient that is being pursued by you. XXXX XXXX and XXXX forced me to believe there school was the only one to attend and they had the best education for my money, i was wrong and i continue to be stuck in a career pit as i can not afford a better education. please contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/21, I pulled a copy of my credit report. I noticed there was collection on there from Transworld Systems Inc. It's a collection for a XXXX bill, which I never opened or gave permission to use my personal credentials. The collection was reported XX/XX/21 without any notification. The amount is for {$2400.00}. I'm asking that this account be removed immediately as this is fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgements and bankruptcy listed on my credit report were not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Experian was able to gain access to my inaccessible information?   According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information  may  have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgements and bankruptcy from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.

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 2019-12-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I reported three of the transactions as fraud on XX/XX/2019 - XX/XX/2019 XXXX XXXX - {$200.00} XX/XX/2019 - XXXX XXXX XXXX - {$150.00} XX/XX/2019 - XXXX - {$260.00} In fact I was also told on XX/XX/2019 by barclays customer service to send a letter regarding XXXX XXXX and XXXX and state in the letter that these are fraudulent transactions, which I sent by first class mail. 

In the last month of XX/XX/XXXX and XX/XX/2019 I did a lots of transactions with this Barclays Card and gave a lot of business to this credit card and this is what I am getting in return. 

I called today at XXXX XXXX XXXX  time at XXXX to know the status of my fraudulent claims, an American white guy picked up the phone - full of attitude, when I asked him about the status of the claim, this XXXX guy shouted on me and said it can take up to a month, I asked him if you have received my letters sent by first class mail, to which he asked me to place me on hold, and he placed me on hold forever which is continuously saying " Our relationship manager will be right with you ''. 

I made a huge mistake that i started using this card as I did not expect this third class service from this credit card. I will never use this credit card again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased this car from a dealership and was basically haggled into getting a car for more than what it was originally worth. I was given a ridiculous interest rate and then I found out that the interest is compounded. So for a car that is actually only worth XXXX I am going to end up paying 25,000 give or take. The original car loan was for around 11,000 plus the warranty. The dealership and the place that approved my loan some how came up with to horrific numbers that are now haunting me every two weeks just so that I can get caught up from being out of work and missing One and a half payments when I XXXX XXXX and XXXX XXXX XXXX I have been paying multi-payments per month for over a year and for some reason my balance never goes away. I am struggling to make ends meet because of this car that I was suckered into buying at a price that is not what I deserve to be paying. the early buy out is still at XXXX, which is more than what the car is worth and no one will refinance or trade in. I have already spend over that much since purchasing the vehicle in XX/XX/XXXX. My original payments were set to be XXXX per month and I am now paying XXXX every two weeks and the balance is not going away like I feel that it should. They are basically saying that I am still two months behind when I only missed one full payment over a year ago. I really need help with getting this taken care of and hopefully lowering my payments. Please help me as well as you possibly can.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Receivables Performance Management, LLC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I attempted to start cell phone service with  XXXX   XXXX   XXXX  but cancelled withing the 14 day return period. The agent failed to document the return correctly and a bill was charged to me for {$740.00} in error. I received a call from a credit collection agency in an effort to collect what they though I owed. I got the necessary documents from  XXXX   XXXX   XXXX  and submitted a receipt and letter explaining the error. Now we are receiving calls again from another collections agency after  one yea r from original issue. I explained the situation to them but they will not except my explaination and is continuing their collection efforts which is calling several times a day and hanging up. They are also leaving messages with my employees stating that the company owes a debt that it does n't. The company harrasing now is RPM, under the names of  XXXX   XXXX  and  XXXX   XXXX  (  XXXX  ) Fax  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 2021-07-21
Company: Conn's, 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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ... CONN XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XX/XX/2018. My name is XXXX XXXX. I am writing this message in regards to more than several different accounts and inquiries your company is reporting inaccurately. I am disputing these accounts and inquiries as an internal dispute and as fraudulent accounts which you have 3-5 days to correct and remove permanently. I am unaware of the accounts and inquiries youve listed on my credit profile. I demand that theyre removed in less than 72 hours. I have attached a letter down below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019, I purchased what I believed to be a brand new XXXX XXXX XXXX XXXX for {$49.00} from what appeared to be a legitimate ecommerce website that I found via XXXX Shopping. 

I checked out using XXXX. It turns out that this website is no longer live. In fact, the XXXX   payment account was tied to a XXXX name/email. According to the USPS, the scammer created a shipping label using an address in my zip code ( a tire store ) to make it appear as if the package were delivered to me. If you trace the tracking code, it appears that the package was delivered, but it doesn't show WHERE the package was delivered. 

This is a known scam that was just exposed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am saddened that both Discover and XXXX  have refused to address this scam. Their negligence allowed this scam to occur. Why should I pay for a product that was never received? 

I have excellent credit and make over {$150000.00}. Why on earth would I lie about a package that I did not receive? Shame on XXXX  and Discover for being foolish enough to allow consumers to be defrauded by a XXXX scammer.

Company response to consumer: Closed with monetary relief