BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-13
Company: AmeriHome Mortgage Company, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After my mortgage was bought by Amerihome Mortgage Company, I made a payment on their site for XX/XX/XXXX and it went through fine. I then set up an auto-draft to withdraw the mortgage payment. The money was deducted from my bank account on XX/XX/XXXX and initally attributed to my mortgage. Then, on XX/XX/XXXX, the mortgage company rejected the payment, claiming an issue with the prior servicer. That money was never returned to my account or sent back to me. I've called multiple times and been given different information each time. No one at the company can explain why the payment was rejected or where the money is. I was told by a representative on XX/XX/XXXX that a check had been mailed to me with a letter dated XX/XX/XXXX. When I called back on XX/XX/XXXX after not receiving the check, I told told by someone else that no check had never been mailed. I have provided my bank statement to them showing the money was withdrawn by Amerihome from my account and never credited back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: BlueChip Financial
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took a loan out with this company I got in a financial situation and was n't able to repay in a timely manner. they started calling my phone several times a day. they were also calling family members ( how they got there numbers I do n't know ). this loan is from abo ut one -one h alf yrs ago, not sure of orginal date. but they are now telling me that they are going to issue and arrest warrant if I do n't pay the amount of {$1700.00}. I offered to pay some back when they contacted me the first time but they said it had to be paid in full or they would take illegal action and contact my employer. I really would have liked to have taken care of this but they did n't want to help settle this in a way that I could financially accomidated both them and me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: EQUIFAX, INC.
State: AL
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: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX plus XXXX and XXXX of XXXX I disputed with the XXXX   and Equifax credit bureau on verifying these accounts that are in collection ; XXXX XXXX account number XXXX XXXX,, XXXX XXXX  XXXX  and XXXX XXXX XXXX. I asked for an investigation into the verification of these 3 collection accounts and I also requested their method of Investigation but have not received what i ask for. Because I asked for validation from the three collection Agencies and I received no response from them for over 3 months. so how is it the Equifax and XXXX  were able to being this verified if they did a actual investigation. also, how are they able to verify these accounts without violating my HIPAA rights???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: CURO Intermediate Holdings
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ad Astra Recovery Service has been sending me collection notices in the amount of {$400.00}. This collection has been reported as a past due balance. I do not know this company nor have I ever done any business with them. This company does not have a contract agreement with my signature in writing agreeing to any debt nor have they provided me with enough information to accurately confirm that the debt is indeed mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Convergent Resources, Inc.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Convergent Outsourcing has called me twice now identifying themselves as a debt collector, but I am not overdue or late in making any payments. 
They do not identify the debtor. 
Recorded message tells me to call XXXX and completes. 
I feel that this is a scam for me to reveal important information on myself

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Never received a bill from XXXX XXXX XXXX of XXXX XXXX, CA, and without making reasonable attempts to contact me, XXXX XXXX XXXX passed the bill along to a debt collector, CMRE Financial Services Inc.

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 2015-05-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX the mortgage company and the mortgage serving company have reported the same amount due on my credit report. This makes it appear as though I owe XXXX as much as the balance on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are reporting incorrectly a collection in the amount of {$850.00} on the XXXX XXXX XXXX XXXX original creditor XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Several years ago I had a XXXX account. I followed the cancellation policy outlined by XXXX and the representative I spoke with assured me the account was in fact closed and in good standing. I did not receive any documentation from XXXX indicating that this account was in jeopardy. XXXX, even after the account was closed, continued to charge fees. I was not aware that this account had gone to collections until I obtained a copy of my most recent credit report. This account has no outstanding balance and therefore should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Incorrect information on my credit report.

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 2015-05-13
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did not receive any communication from the company. I did not even know about until it showed up as collection on my credit report. I can not even ask for proof because I never receive a demand letter or any other communication from them. The debt collector is Enhanced Recovery. It is on my XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: NY
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:
The accounts attached are in violation with the Fair Credit Reporting Act and have violated my federally protected consumer right to privacy and confidentiality. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The accounts attached are in violation with the Fair Credit Reporting Act and have violated my federally protected consumer right to privacy and confidentiality. Please see attachment.

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 2016-04-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have XXXX sent via USPS certified mail requests to verify this debt and the company has not responded with any information to verify it. I had no dealings with this company they are trying to collect for. They also have refused to show proof licensing in my state, proof they own the debt, any detailed information on what the money is for, or how they come up with their calculations, copies of signatures showing I purchased any item, any payment history on alleged debt. They first replied they did not understand what I was asking for. After the XXXX certified letter, they said I did not submit sufficient information to investigate my dispute. This collection agency is the one who has come after me, left bad credit reporting, and for a company I never have done business with - the collection agency should have information to see what this debt is for, after all I do not have any further information, as I had no dealings with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Experian Information Solutions Inc.
State: AL
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: Problem with personal statement of dispute

Complaint:
In XXXX and XX/XX/2020 I disputed with XXXX, Experian, and XXXX  about and unverified account XXXX XXXX for {$810.00} medical bill. I also ask XXXX XXXX XXXX   for some verification with my signature showing that I have an agreement with them and this belongs to me without violating my HIPAA rights. in my several attempts to receive this information I received no response from XXXX XXXX. So how is it that the three credit bureaus Deemed this account verified when I received nothing from XXXX XXXX  to prove that this account belongs to me with my signature. wouldn't this be a violation of my HIPAA rights??? 

Also in XX/XX/2020 I disputed with XXXX  and XXXX  Experian about the inaccurate reporting of XXXX XXXX acct # XXXX on my credit report. The reporting is not consistent showing three different Open dates and this was asked to be removed because of the inconsistency making this inaccurate collection item reporting and this should have been removed according to the fcra

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Me and two other business partners deposited a total of XXXX into a new business account on XX/XX/XXXX. Chase has yet to release the funds into our business for verification. I have been in the chase branch in XXXX NY working with the local bankers providing information on what Chase says is needed but that is still not helping. It has almost been a month and we still do not have access to the funds that Chase is holding. I do not understand why it is not available as the funds came from three personal accounts of people who are the owners of the business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions 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 WANT THIS ACCOUNT REMOVED ASAP OFF MY CREDIT REPORT THIS IS FRAUDULENT ACCOUNT AND REPORTING IN ERROR THIS IS CAUSING ME NOT BE ABLE TO GET HOME LOAN

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
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 WANT THIS ACCOUNT REMOVED ASAP OFF MY CREDIT REPORT THIS IS FRAUDULENT ACCOUNT AND REPORTING IN ERROR THIS IS CAUSING ME NOT BE ABLE TO GET HOME LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, SLS received a completed Request for Mortgage Assistance application. SLS then received my XX/XX/XXXX payment and held it as unapplied funds due to my pending Request for Mortgage Assistance application. 

Pursuant to investor requirements for loan modification, my XX/XX/XXXX payment was applied to principal only on XX/XX/XXXX and not the contractual monthly payment for XX/XX/XXXX. 

Because of the investors requirements for loan modification stated above, SLS is unable to reverse my XX/XX/XXXX payment from principal only and reapply to the contractual monthly payment. 

SLS recd a single payment ( on XXXX XXXX ) of {$570.00} and kept this payment in unapplied funds. This payment should be applied to the XXXX mortgage invoice/payment. 

After completing the loan modification updates on XX/XX/XXXX, my account became due for the XX/XX/XXXX contractual payment. SLS subsequently received the following payments : - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX ( 2 ) payments I had to make ( 2 ) mortgage payments for the month of XX/XX/XXXX to bring my account current. This is because SLS did not apply my XXXX payment back in XXXX. That action ( not applying my XXXX payment ) placed my account ( 1 ) month in arrears.

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 2022-10-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person my name is XXXX XXXX XXXX the credit bureaus has violated my rights in many ways. i am very exhausted and is now facing bad XXXX due to this matter of the credit bureaus disrespecting my right to privacy. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Select Management Resources, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
We took a title loan on our XXXX XXXX last year. We were toldat the time of the sale we would receive any overage within 30 days. The car was autioned XX/XX/2019. Time went by and we heard nothing from LoanMax/XXXXXXXX XXXX. Not a phone call, letter, emailb text message. We called for information and were told we did not receive our overage because we did not request it. We owed money and our car was sold per the terms of the loan. Fair enough. 
We needed less than 1 week and {$200.00} to pay the loan in full. LM would not accept partial payment nor hold the car for 5 days. We are now due in excess of {$9000.00} and have not received a response even close to acceptable. My husband left 3 messages for a supervisor with no response. He called again last week and was told we had to wait another 120 days for the check to be issued from XXXX  to LM and another 60 days for LM to issue the overage to us. Unacceptable.

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX  is a fraudulent account. I have provided the identity theft report to the credit bureaus and they will not remove. Can you please assist with removing this account off my credit file

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 2015-12-30
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This MCM Midland Credit Management called me several times per week for over a years time. I was afraid to answer the phone. I did make them one payment and arranged for a second payment. I called the MCM phone number I had from a previous debt I just paid off. They said my account was clear and I did not owe anything. So this MCM or supposed MCM from XXXX XXXX kept calling me and would sometimes offer me a settlement. I am suspicious if they are even real. This does not show up on my credit report. I still continue to get letters and they add to my " balance ''. Not to sure what to do with these people. Is this a scam?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-25
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Each of the reasons listed above have occurred on multiple occasions. Vial, nasty curse words have been directed to me. I have been cursed out at work, threatened and harassed on multiple occasions. Additionally, I was not served by a " process server '' notifying me of a court date and a judgement was entered against me. Documentation presented to the court indicates I " was '' served but during the time indicated on the service notification I was out of town.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-14
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX has continued to report these XXXX debts on my XXXX & XXXX credit report. I have continually sent request for validation to them and disputed the information with the various credit agencies. They continue to ignore and not comply with the request. The lack of compliance on their part is causing harm to my finances. I request that since they have not complied with these request that they stop anymore reporting of this line. And remove or delete it from my credit reports. So that I may not be burdened with this issue now or in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-26
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Sent Transworld Sys Inc. a letter after discussing the matter with XXXX at TSI XXXX XXXX ). It is not my debt, someone with same name but clearly younger than me and a different Social Security Number. They replied to my letter of XXXX 2016 saying that it was unclear if I owed this or not so it could not be removed. I viewed my free credit report early this year so I can not access the report to contest the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every day of the work week, they call up to XXXX times and normally do them one right after another at my work number. They do n't leave a message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The last correspondence I sent the company on XXXX XXXX 2015 pertained to a demand for validation. Midland has failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).

Company response to consumer: Closed with non-monetary relief