BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-14
Company: ERC
State: TX
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 have file a couple of dispute against a collection company, that were collecting for XXXX and won my disputes and it was remove off my credit report in collection. I do n't understand why is Enhanced Recovery Corp. is trying to collect on something that have already been investigated, solve and remove off of all XXXX credit bureaus. I have no agreement with Enhanced Recovery Corp or spoken to them on this issue. I like would them to remove this collection off my credit report or I will pursue a civil suit for harassment and for reporting false information on my credit report.

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 2021-04-20
Company: Great American Finance Co
State: IL
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: Was not notified of investigation status or results

Complaint:
I filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over 30 days and I haven't received any response regarding the investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
>>>DEBT PARKING<<< Southwest credit consumer care. XXXX XXXX XXXX # XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX. 
This is the 3rd time ( I have physical proof ) this Company has illegal Parked Debt on my name. The Alleged Debt that has been PROVEN not to be mine. The Alleged Debt Has Been removed off my credit report TWICE BY THE SAME COMPANY. also has been reset by a date and a single {$1.00} Three times in an attempt to SCAM me again! I am seeking Legal counsel as they seem to be Predatoryly Parking Debt that is NOT mine on my name. My phone number is accurate on my credit report and adress is up to date and they never attempt to call or mail me anything. They Continue to Aggressively Debt park things that ate NOT on my name. Please make this illegal Scam stop. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Equifax will not supply my annual online credit report. I 've been tossed around multiple times. 

In addition, the XXXX website will not verify my identity properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On  XXXX   XXXX  and  XXXX   XXXX   2017   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  texas  XXXX   XXXX  placed an inquiry on my credit report without my consent or knowledge.

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 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXX acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states i have the rights to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
This company XXXX XXXX XXXX and reporting a debt to my credit report. Below is the information pertaining to this account : Collection opened XX/XX/2021 Account number XXXX Balance {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing today in regards to my account with Loancare LLC account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

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 2015-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America is reporting two mortgage late payments on XX/XX/XXXX & XX/XX/2011. I made those payments on time via XXXX, Bank of America on line payment system did n't work so the payments were posted late. The irony is that I have my checking account with Bank of America, so they just simply needed to transfer the payments from my checking account to the mortgage account with themselves and they failed to do that. Now they refuse to fix the issue because the loan was transferred to XXXX and they do n't care to do anything neither the new servicer. I am applying for a Mortgage and this issue is affecting my credit. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get another loan modification since XXXX, 2020 with Loancare/XXXX XXXX. I am retired on a fixed income and can't refinance! I also don't have enough equity for a reverse mortgage! I know the process because I was one of the first customers to try to get a loan modification under President Obamas Making homes affordable program! It took two years and a bout of XXXX to secure the initial loan modification. I don't want to go th that again! It seems very obvious to me that Loan care is trying to discourage me! That won t happen! They keep asking me for more documents I've already sent several times! I've had to restart the process about four or five times now! Loan care makes it near impossible to actually conduct business with! I even contacted their Corp HQ! My loan is a XXXX XXXX, so I will contact them too! I requested a single point of contact several times! They've given me two! I'm never actually able to speak to them! Its very frustrating and I can't afford an attorney, but if CFPB or XXXX XXXX can't help, I might need an attorney! Please advise me, if possible! Loan care, LLC Loss Mitigation dept and Corp hq is XXXX XXXX XXXX, XXXX XXXX, VA XXXX! Loss mitigation dept is XXXX XXXX! Thanks!!

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 2016-11-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Below is the letter that was sent to Equifax today along with a copy of the CFBP dispute case this is in reference to : " Equifax : I ordered my credit report from your bureau and found an inaccuracy I wish to bring to your attention. I previously disputed this directly through Equifax and did not get the result I was hoping for. I had to involve the Consumer Financial Protection Bureau to resolve this issue. The CFPB intervened on my behalf and the company that reported incorrect information gave me the attached response through the CFPB website. I opened another official complaint on the CFBP website to address this but am also sending this letter with tracking information to ensure delivery date and time. 
XXXX which is on my credit report as " XXXX XXXX XXXX '' incorrectly reported an account as charged off and late. After getting the CFPB involved XXXX agreed in XXXX to " reverse the charge off status of the account, and reverse any negative credit marks assessed after XXXX 2013. '' It is now XXXX XXXX and the negative remarks remain and the charge off status remains. 
I request that you honor this company 's request to reverse the charge off status and remove the negative marks as they are incorrect. I have this in writing from XXXX which was provided to me through the CFPB website. '' The CFPB case number in which XXXX agreed to reverse the negative remarks and correct their mistake is : XXXX The CFPB has my authorization to share all the details of this case with Equifax to expedite fixing this error. I am also attaching the printed off response from XXXX that was given through the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
TO WHOM IT MAY CONCERN : EQUIFAX continues to violate the Fair Credit Reporting Act willfully by not removing an erroneous Tax Lien showing on my personal credit report. I have written them by US Mail twice and they STILL continuously fail to address the situation. I called them and their call center has no receipt of the letter. I also sent the same letter several times by fax with all my information on it and have given them over 30 days to " receive '' the fax. I have contacted the IRS for their advice and they have informed me the best step is to file a Lawsuit to have this erroneous tax lien removed from my credit report. As the IRS stated, it is now up to Equifax to remove and they further stated that Equifax does have this ongoing problem. 
This is causing substantial harm to my credit report and yet EQUIFAX continues to violate the Fair Credit Reporting Act and will be held liable if this does n't get removed immediately. 

I have also contacted and filed a complaint with the FTC on XXXX/XXXX/2016 and also the ATTY General both here in GEORGIA where Equifax maintains their main corporate offices in the United States. 

They have caused me deliberate financial harm by continuously and willfully not adhering to the Fair Credit Reporting Act. 

Violation 1 : It 's documented over 30 days additional written and faxed in disputes have been ignored and thus should be removed. 

Violation 2 : Willfully and deliberate continuing to cause financial harm. 

I NEED THIS DELETED IMMEDIATELY. EQUIFAX IS NOTORIOUS FOR RESPONDING BY RE-INVESTIGATING AN ITEM WHICH IS UNACCEPTABLE. THEY HAD THEIR TIME TO INVESTIGATE AND IF THEY REPLY BY JUST " REINVESTIGATING THE ITEM BY ELECTRONICALLY DOING AN XXXX ELECTRONIC INVESTIGATION '', AN IMMEDIATE STATE AND FEDERAL LAWSUIT WILL BE FILED. 

Please let this letter serve as final written warning to EQUIFAX if this does not get immediately deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: CCS Financial Services, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried to send them a letter last XX/XX/2020 asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which XXXX XXXX is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

XXXX XXXX is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a credit card from XXXX  XXXX, and I have always made my payments within 30 days of receiving the statement. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me as I was outside of the 30 day grace period and they charged me a late fee, XXXX  XXXX has advised me to contact credit bureaus and get this matter resolved. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late on XX/XX/2020. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: DISCOVER BANK
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I 've got several fraudulent charges on my Discover Card. Some of the charges I was able to dispute online and some I could not. So, I sent them several letters about my disputes. They claim they have not received the letters and I should call about the dispute. I ca n't call because I 'm XXXX. I ca n't use relay services and I do n't have any family/friends nearby. It 's absolutely ridiculous that they ca n't look into my disputes without a phone call. There are XXXX large fraudulent charges I was unable to dispute online and they 're giving me the runaround about them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18
Company: DISCOVER BANK
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I had XXXX student loan under Discover Student loans in XXXX XXXX. I submitted graduate school deferment paperwork in XXXX of XXXX. Discover claimed to have lost my paperwork in XXXX of XXXX after multiple calls to confirm status. After paperwork was resent, it took until XXXX of XXXX for my account to officially say it was in deferment, with weekly calls from me. I was repeatedly assured that the deferment status would be retroactively applied to my account so my credit would not be affected. My credit report says I have a missed payment on this loan, but I never missed a payment. Discover never retroactively put me in deferment for the XXXX and reported me as having a late payment on my loan. I disputed this charge with the lender in XXXX and it was removed, but has reappeared on my credit report as of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23
Company: Thaxton Investment Corporation
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX from Covington Credit called my job spoke to our Portal Sgt asked to speak to my supervisor who was off asked for the Warden and left a message with the Sgt if I do n't call him that day he was going to garnish my wages and left his phone number. I spoke to XXXX about getting the account current when I went to the office I said I did n't want to deal with XXXX there was 3 other employees there .. XXXX cane to the desk I was working with XXXX about to make my payment and I told him he did n't have the right to call my job and speak to whoever answered the phone and tell them he was going to garnish my wages if I do n't return his call at 1st he denied it then he said he can do what the XXXX he wants and I told him you do n't have the right to curse at me he told XXXX not to take my payment they would be garnishing my wages and told me to leave This is a loan did n't see it as an option above

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 2017-02-23
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My student loans are with Nelnet. They are in in forbearance. Yet my credit reports show numerous late pays. I am positive that this should not have been reported. I always made sure to do my forbearances in a timely fashion AND would check to make sure that nothing would be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: BBVA FINANCIAL CORPORATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX we had our vehicle and it's contents stolen. This included a shared account card. I had just put my rent money in the account, and then {$350.00} was spent at a smoke shop and gas station we have never been to. It had taken a few days to realize which cards were in the wallet, as this shared card was nearly never used. Therefore the card was not canceled until a few days later, and the charges were made. Getting a vehicle stolen as well as other important documents was a hassle that scattered our attentions, and the card should have been deactivated sooner, and that is a mistake we will admit to. That is the only mistake we made except for choosing this bank. Simple, our BBVA banking company claimed that since I had just put in money, I had logged into my account, and that the funds stopped at " XXXX '' were reasons not to believe me, so my dispute was denied. I replied with the fact that I put the same amount of money in my account at relatively the same times each month for rent. We were also trying to dispute the charges, hense being logged in, and could not dispute them until they were done pending. Additionally, our account was actually - {$5.00}, not at XXXX. Therefore there claims are all incompetent. We have supplied the police report, the evidence of other banks ( doing their job ) and refunding us our money/canceling cards. We have gone to the trouble of pointing out all of the reoccurring payments, and we have talked to multiple people. There is no correspondence with the merchants because, well, that is the banks job and not mine, so we did not think to reach out to a smoke shop who probably would not have done anything for us anyway. I am a XXXX student full time with a part time job, {$350.00} is a lot of money to me, especially in a global pandemic. We are not thieves, this bank is the thief. We have correspondence with Simple on XX/XX/XXXX, XX/XX/XXXX XXXX and sent the last evidence on XX/XX/XXXX, only to receive a second denial today. We made the first dispute on XX/XX/XXXX, and first received a denied dispute notice on XX/XX/XXXX, and then reinstated the dispute the same day. The " important documents '' on the police report include a wallet. Here in NM the police are spread thin, and of course wrote down a vague detailed assessment of what was stolen. This does not allow enough security, and we are set back yet again. Another police report can not be made if there is an error in detail. We can provide the case number and Detective name phone number who can confirm that a wallet was stolen. It was difficult enough to deal with a stolen vehicle and wallet, and now we have everything else settled except for with this subpar company. I look forward to your assistance in getting justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: WELLS FARGO & COMPANY
State: NC
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:
XX/XX/21 I sent 3 credit bureaus a copy of my credit report. Which includes inaccurate information on my credit report including accounts open date to balanced owed. The bureaus know if information not matching with others you have to delete off my credit report. Unfortunately, they never did. Which is a violation.

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 2016-04-28
Company: Columbia Recovery Group LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
This company is automatically charging me their legal/attorney fees for a court summons, and including those fees in the settlement on top of the original debt plus interest. I was n't even notified or aware of the debt or that I would be sued. I was n't even aware of the debt itself, I had to contact the original creditor to confirm their contact information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX I requested a 10 day pay off letter from credit acceptance so I can refinance our car. At that time the payoff amt was XXXX, it expired. Today I call for a new letter now the payoff amt is XXXX. How can the payoff amt go up when a payment was made in XXXX 2017 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