BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-08
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
For over 7 years I have attempted to get detailed information regarding my loan, including but not limited to ; original loan amount, payments made, fees assessed, etc. It sounds ridiculous, I know, but no one has been able to give me the information requested. I 've spoken to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, I have been given the run-around every time I call. 

I 've been making regular payments of the minimum amount or more for years and my principal balance is not decreasing, so I am questioning this. The more I 'm ignored, the more I believe something illegal may be happening. 

Also, I 've still not received a statement showing the interest paid in 2015 for tax purposes. Each year I have to specifically request this, some years it arrives, some years it does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Platinum Holdings Group, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Starting in XXXX, I started receiving calls from a company called World Wide XXXX. They state to me they have tried to serve me legal papers, I verify the address and then they get rude and tell me they dont have to reserve me. I have even checked with the sheriff, no warrant. I keep telling them not to call, they tell me they have every right to call. They are rude, they get beligerent and tell me they know their legal rights. 
Now they are contacting family memeber, and my job. They have called my work three times today, finally my coworker told them I 'm not here anylonger and the lady told him that 's untrue. She was pressing him for personal info on me. He ask her not to call and she said she had every right to continue. 
I called back the number XXXX, Case XXXX spoke to XXXX, told her I was recording her, she told me I had no right. She transferred me to a XXXX XXXX that said he was a legal officer, who called me a deadbeat that he had my credit file and that I was a professional con artist. I ask him to mail me whatever file he had and he said it was my responsibility to call the company to collect the data. I told him not to contact me at work, home or by relative. He told me I 'll meet you in court and hung up, only to call me right back. They will only provide a name, World WIde XXXX and the XXXX #. They will not provide the address for me to call. Please help, this is interfering with my job and I 'm a single mom of XXXX with XXXX income. 
I 've ready my rights on the FTC consumer info site and each thing I 've listed above they are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi there. In XXXX 2015 I refinanced my mortgage through XXXX XXXX Bank, and after a sale or XXXX, it ended up with XXXX XXXX XXXX XXXX. My manual online bill pay payments went through fine for the first XXXX payments, and seemed to go through fine on my end for XXXX and XXXX, but then I received a letter saying my loan was in default and I 've been reported to the credit agency, etc. Nothing on my end changed. I did n't touch any settings in my online bill pay. I have a really strong credit score ( XXXX I think ), and was obviously distrubed by this, and have submitted proof of payment per their specifications multiple times, and have been on the phone with their reps, and there has still been no resolution. My XXXX payment seemed to go through fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
in 2005 i bough a ford focus but i return the vehicle because it was defective the car could not start the tow truck came and pick it up i did not get it back 6 years later i was contacted a debit collector Rubin & Rothman they call me several time on the phone and send letter in the mail i keep telling them i do't have a contract and i do n't owe any money i have a XXXX balance i have contact ford XXXX and the account is close but Rubin & Rothman keep calling and sending letter in mail they take away both of my account saving and checking value {$6000.00} that 's more than the car cost

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 2018-05-26
Company: ERC
State: AL
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:
Enhanced recovery collection agency is trying to collect a debt from XXXX that I do not owe account # XXXX for XXXX as well as re ageing the debt to make it look newer on my XXXX credit report I have tried with no avail to convalescent this to them. This illegal debt collection needs to be stopped and deleted or legal action against the collection agency and XXXX will be my next course of action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This is regarding an old Foreclosure account that went past due as of XXXX XXXX. This date of XXXX is also the last active date. The account is held by XXXX XXXX XXXX in Texas. XXXX XXXX and Equifax are claiming the " last active date '' is XXXX of XXXX. Therefore, the account should no longer be reporting. I have sent ( twice ) to Equifax a Mortgage statement from XXXX XXXX Mortgage XXXX that reflects the account was 3 months past due by XXXX of XXXX. In summary, this account should be gone and Equifax is stating they can not use my supporting documentation. When I tried to call XXXX XXXX XXXX, they claimed they can not take " inbound '' calls in the research department and that is the only department ( based on what customer service stated ) that would handle wrong reporting dates. Please help. I am attaching all documents. 
This issue is only with Equifax. The other Bureaus have removed the account already in XXXX. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On my Equifax Credit Report, the account " XXXX XXXX XXXX '' should totally be removed. It was already removed from XXXX and XXXX but for some reason Equifax has n't removed it yet. I received a letter in the mail a while back saying they would remove the account from all XXXX credit bureaus and I simply need your help in getting this issue resolved as soon as possible. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX XXXX XXXX ran a hard inquiry on our credit reports without our authorization. We never heard of this company before until we received alerts about activity on our credit reports. This is Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: PENTAGON FEDERAL CREDIT UNION
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is currently reporting that I owe {$3400.00}. In which I do not this account does not belong to me. I was not properly notified of this account. I was just made aware of it after updating my Credit report.. this is a direct result of identity theft.

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 2016-04-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, Equifax , and XXXX continues to report a repossession which is not associated with me, despite repeated disputes with both the CRAs and the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I SENT A LETTER TO THIS COMPANY ASKING THEM NOT TO CONTACT ME. IT WAS A LEGAL LETTER BELIEVE IT IS CALLED A CEASE AND DESIST LETTER. TO THIS DAY THE COMPANY STILL HARASSES ME ABOUT THE ACCOUNT. I CANT HAVE THIS MAN. I WORK OFF SHORE ALOT AND I DONT EVEN KNOW IF THIS IS MINE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a satisfied judgement showing on my report from Equifax. It was included in a bankruptcy filing and has been satisfied. XXXX and XXXX have already removed the judgement from my credit reports but Equifax continues to report it. I respectfully request it be removed from my Equifax report as it has been satisfied due to being included in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: CORELOGIC INC
State: VT
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have a hard inquiry on my credit reports with all XXXX major agencies from a comapny called Corelogic Credco. I have no knowledge of this lender nor did I give any authorization for them to run a credit inquiry on my behalf.

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 2016-07-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
There are several issues 1. I could n't get my free credit report because I do n't have Social Security Number. 

2. I 'm keep receiving " prescreened '' offers from lots of companies and I want to stop receiving " prescreened '' offers of credit from companies for 5 years but could n't do that because I do n't have Social Security Number. 

3. The name on prescreened offers is slightly different from my name. I guess the information in the credit report is wrong but I ca n't check it because I could n't get my credit report. 

4. I received a phone-call from a debt collector that I have a bad debt which I do n't know. 

The information that federated law ( debt collector ) told me : I have a bad debt for consumer credit card from XXXX which I did n't pay since XXXX. 

Fact : I entered XXXX at XXXX. Before XXXX, for XXXX years, I 've never lived in XXXX. So I did n't and could n't have XXXX credit card. I also checked from XXXX that there is no such record that I owned account before XXXX in XXXX. 

I appealed this to the debt collector and they sent me a letter and ID theft affidavit. The name on the envelope and the letter were same as prescreened offers, which is slightly different from mine. I doubt the " debt collector '' might be scam but the name on the envelope gives me a sense that my credit report might be wrong. 

5. For the reason I described above, I want to place a fraud alert on my credit report but I could n't because I do n't have Social Security Number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: Arbor Residential Mortgage LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Seneca Mortgage LLC and my first payment is due on XXXX XXXX. I have no account number, no idea who to contact, or how to make my first payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-09-24
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Equifax Inc. ( XXXX : XXXX ) and its subsidiary Equifax Information Services LLC ( XXXX : XXXX ) continues to refuse to correct mailing ( situs ) address on mailpieces and credit file by intentionally reinserting invalid ( situs ) mailing address to my credit report, in spite of me repeatedly providing evidence of their error. CFPB Case Numbers : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX are germane. See mailpieces I received via United States Postal Service on XXXX XXXX, 2015. 
Furthermore, Equifax Inc. ( XXXX : XXXX ) and its subsidiary Equifax Information Services LLC ( XXXX : XXXX ) continues to refuse to delete adverse account, to-wit : XXXX # XXXX on credit file by intentionally reinserting inaccurate and fraudulent information to my credit report, in spite of me repeatedly providing evidence of their error. CFPB Case Numbers : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX are germane. See mailpiece post marked XXXX XXXX, 2015, which I received via United States Postal Service on XXXX XXXX, 2015. 
Pursuant to 15 U.S. Code 1666 - Correction of billing errors, I formally request the following documentary evidence pertaining to alleged Account Number XXXX and alleged payee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ) ) : 1. A copy of the original credit application and loan agreement and disclosure statement showing the terms of the agreement ; 2. A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted ; 3. Copies of all documents and financial instruments used to pay the disputed late payments ; 4. Copies of all charge slips, invoices, promissory notes, truth in lending insurance disclosures, and all other documents proving indebtedness ; and 5. Copies of all documents sent to me regarding the alleged account. 
Immediately remove this inaccurate and incomplete information from your databases, which I have advised Equifax Inc. and its subsidiary Equifax Information Services LLC on, at least, XXXX separate occasions, more than 60 days ago. 
This letter is not meant in any way to be an acknowledgment that I have any outstanding personal debt regarding disputed alleged debt. 
Sincerely, I am /XXXX/XXXX , on behalf ofXXXX XXXX , Without PrejudiceXXXX XXXX ( Ret. ) XXXX XXXX XXXX, VA XXXX XXXX, 2015

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-27
Company: Law Offices Howard Lee Schiff, P.C.
State: RI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
This problem began back in XXXX XXXX when XXXX XXXX XXXX was collecting for this defaulted/ charged-off XXXX XXXX Account with a balance of {$980.00}. XXXX XXXX XXXX after reviewing my personal income and assets, they determined I was " judgement-proof '' for the foreseeable future. Soon I received harassing calls and letters from the " Law Office of Howard Lee Shriff '' in XXXX, RI. I agreed to pay {$10.00} a month towards the balance as agreed to with their Attorney XXXX XXXX. I have struggle to pay approximately {$220.00} towards the debt but had to stop since my income is not over {$800.00}. a month with many outstanding medical bills that I have to pay. I also have to pay co-payments for my medical coverage and prescriptions. XXXX I stop paying the {$10.00} a month after I notified them by phone, they sent me a false " unsigned '' court document filing a " judgement '' being entered in XXXX District Court in the XXXX Court House. This court date was to take place on XXXX/XXXX/XXXX. To my surprise, the case was never heard or even scheduled. This law firm of Howard Lee Schiff sent me a new letter dated XXXX/XXXX/XXXX claiming to discuss this judgement. It claims it is still owe per the court system. This Law firm of Howard Lee Schiff is using deceptive & illegal purposes to try to collect on a debt that is beyond the statue of limitations. I am going to send a letter to the RI Attorney General 's Office Consumer Protection Department and may consider seeking legal action against this " collection law group '' I have seen many complaints entered on web sites against their shady and unethical ways

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Procollect said I owed {$200.00} for a debt for medical treatment by XXXX XXXX XXXX for me, XXXX XXXX, date of service, XXXX/XXXX/08. My XXXX XXXX plan EOB shows that they were paid the PPO allowed charge of {$200.00} and I owed {$0.00}. I have talked to them a number of times, mailed letters from my health plan, and a copy of the EOB. They will not work with me to resolve the matter, refuse to let me talk, insist I owe the debt, reported me to the credit bureaus and continue to harass me by phone

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was contacted by XXXX XXXX XXXX and Blitt & Gaines law firms that were hired by XXXX to collect a debt XXXX claimed to have purcashed from XXXX XXXX XXXX. They summons me to court and I stated I needed proof they were the legal owners of the debt. At no time I entered into any agreement with XXXX XXXX XXXX XXXX XXXX. I requested the original signiture document showing proof of the purchase from the bank. They never provided it to me. It is my belief that XXXX XXXX XXXX XXXX XXXX violated my rights in accordnace with TILA. I was not given notice in writing as to the assignment made on the alleged debt or that XXXX XXXX XXXX XXXX XXXX was considered assignee.I do not have a contract with XXXX XXXX XXXX XXXX XXXX. I also believe XXXX XXXX I is in violation of the Fair Debt Collection Practices Act. They reported on my credit report I was in collections ahead of the case ever being settled in court. The Judge handling the case asked the law firms to produce the documents but they never did. The judge told me it did not matter because I owe the money to someone and even if they did not produce the documents on the next court date he would make a decision for me to pay XXXX XXXX XXXX XXXX XXXX the debt. I even tried to work out the debt amount with them since I was being forced to pay it and XXXX said they did not have a plan in place to reduce the XXXX I owed them. So I was forced to start paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: IQOR US INC
State: MA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XXXX I made payment arrangements with Allied Interstate for some of my student loans that went into default ... the only reason I was in default on these loans was becuase XXXX made an error on my payment arrangement with them and was/is only applying my monthly payments I automatically make to them to half of my loans ( unknown to me and even XXXX does nto know why that happened and they are the ones that set the payment up ). 
Anyway I have been making payments by automatic deduction to my debit card ( because I was told by Allied Interstate they can not do ACH debits for payments just debit cards which I do not believe is correctnd seems a bit shady/illegal ). the payments are made every 2 weeks and have been taken since XXXX 2015 but I still continue to receive calls daily, sometimes several times a day and letters threatening to garnish my wages or take further legal action if I do n't make payment arrangements. When I called them to tell them I am making payments and to stop the letters and calls I was told that they would stop but they have not. In XXXX I was changing jobs and called to have them change the payment dates as my pay schedule was changing and I explained that my new payroll would not reflect dedcutions for insurance, union dues, etc for at least 60 days but that I would provide copies of my new paystubs and new income amount at that time. I was assured this was acceptable but still keep getting calls and today received another voice mail threatening this time not only threatening to garnish my wages but to cancel my payment arrangements if I did not send in the payroll information. I left them a voicemail in return explaining again that I had arranged to send in my new payroll information at the end of XXXX as agreed and that I was tired of being harrassed and ifit did not stop I would contact an attorney as I am tired of it ( this was all said politely ). In the voice mail I explained I was at work and was unable to talk and yet they called back again. This has been going on for months and I feel is harrassment. This company has had previous legal issues with their collection methods from my research and I want them held accountable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-17
Company: D&A Services, LLC
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
d & a services are trying to collect amount that is in ch XXXX XXXX original credit lowes this is 4 time differ collection service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have disputed several inquiries many times with Equifax and they refuse to investigate these fraudulent inquiries. I have contacted all creditors directly and they have referred me to Equifax. These were not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX, XXXX XXXX XX/XX/2016 I am requesting information on how Equifax conducted their investigation into my previous dispute ( s ).

Company response to consumer: Closed with explanation