BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-31
Company: EQUIFAX, 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:
There's 4 collections on my Equifax Credit Report from XXXX XXXX XXXX I requested proof of those 4 accounts none was sent. 
I filed an FTC report and the collections were removed and deleted from my XXXX  credit bureau however Equifax is still showing them on my credit bureau I need them to be deleted as they're fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Ability Recovery Services, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I recently checked my XXXX  credit report and I still see a collection from ability recovery services on my report for {$0.00} after I was told over the phone once I pay the {$170.00} which I did in full that the debt would be deleted but ability recovery didnt keep their promise.

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 2016-10-08
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
i have a juniper credit card. I have been falling hardship times since XXXX and I notified this company at that time. They kept tacking on fees one after another. They have a program for hardship times and will not let me have it. I have Been unemployed from end XXXX till present. I just had a XXXX as well. It has been tough. I did not say I would not pay but they keep tacking on fees and when I paid in XXXX it was n't enough. They have harassed me so much and said that my monthly payment is not enough but they have tacked on so many fees I will only pay my monthly amount as I am on a budget and it is too much a month for me to handle. They kept tacking on fees even before XXXX. I have notified them numerous times of my situation and they will not work with me. Now my minimum payment is almost XXXX because of their fees.

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 2021-08-01
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have already reported it on several occasions to credit companies. Even with the times that I have submitted it, the company insists on collecting a debt that is not mine, I do not recognize it. I can not submit any evidence because I never had any document to accept that it is mine. That is why I request that it be canceled since it is affecting my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Self Financial Inc.
State: GA
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 had an account with Self Lender. The account is currently paid and closed and has been since XX/XX/XXXX. Today ( XX/XX/XXXX ), the company reported that the account status is currently 30 days past due. Again, the account is closed with a XXXX  balance!!!!! The account is not 30 days late. I previously filed a complaint about this months ago. The company fixed the issue, but as of today, they reported the incorrect status AGAIN. I am including the letter from the company from my last complaint where it states that they were correcting the account status. The company has gone back on their word, which is in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
ARA Inc. called claiming to be collecting a debt from 2005. They claimed to have mailed me documentation and were threatening to sue me and report my unpaid credit card debt to damage my credit. I explained the account in question was not mine and I never received and information from them. They continued to transfer me between each other and very aggressively continue to threaten to sue me unless I agreed to pay. When I hung up with them I was able to look them up with the XXXX and learned they had over XXXX complaints filed against them for their tactics. I also looked up California laws which not only state the statue of limitations for collecting debt to be 4 years, it is now over 11 years since the alleged debt, but they must legally mention that they can not force me to pay or report it because of expired statutes of limitations. Not only did they not mention that, but they illegally threatened to sue and report the debt to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: Secure Capital Management, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Documentation of loan payment was located Threating summons requests to non-associate addresses and other untimely Harassment including places of employment. Was told I would be suited that day if I did not give over my Debt Card or Bank Account Number while driving to work. These are in response to a loan collection in made in error : # XXXX [ XXXX XXXX, 2015 ] and Loan # XXXX [ XXXX/XXXX/2015 ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: CITIBANK, N.A.
State: GA
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:
My best buy citi card has been closed and paid in full. For a total of 4 months after. EACH month, 4 of them, after I paid my acct in full the company is charging me late fees, on top of late fee because of the late fee. Then interest ontop of those late fees. For 4 months. They are also reporting my acct. Delinquent as well. I am trying to buy a home and my credit score keeps dropping because they are reporting my acct delinquent. I have been on the phone with them each month to correct this and for the 5th month I have another bill charging me interest and reporting me delinquent on my credit.

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 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$680.00} XXXX XXXX  XXXX {$420.00} XXXX XXXXXXXX {$800.00} XXXX XXXX XXXX {$120.00}

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 2016-07-02
Company: Rosebud Economic Development Corporation
State: NC
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I borrowed {$500.00} on XX/XX/2016 from Rosebud Lending XXXX DBA XXXX XXXX SD XXXX ( XXXX ) with an option to pay installments in the amount {$110.00} on the initial installment due XX/XX/2016 and {$140.00} due on XX/XX/2016. I called on XX/XX/2016 to make a payment for the loan agreement amt @ {$110.00} and was charged {$130.00}. On.Thursday XX/XX/2016, I called to make a second installment payment as per the agreement @ {$140.00} and the rep kept trying to take {$230.00}. I told her that my contract states a payment in the amount of {$140.00} was and she took that payment for the amount of {$140.00} On XX/XX/2016 this company drafted an additional unauthorized amount of {$230.00} from my account. I do n't know what that amount is and there is nothing stated on my contract for that amount.

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 2021-08-01
Company: KEYCORP
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: Old information reappears or never goes away

Complaint:
I have a Keybank account and 3 XXXX accounts that were originally managed by XXXX, that first went delinquent in XX/XX/XXXX. I have tried to dispute this 3 times with the credit bureaus XXXX  and XXXX  and Keybank/XXXX  directly. Keybank and XXXX is trying to say that my account first went delinquent in XX/XX/XXXX. XXXX  originally had these accounts and sent it to Keybank and XXXX in XX/XX/XXXX because it was delinquent and charged off in XX/XX/XXXX. This however, is not the original delinquency date. They are trying to say that I was in deferment but these loans did not qualify for deferment. I have submitted my credit report showing the negative reporting since XX/XX/XXXX. I have submitted the payment history. I even submitted the collection agency and payments I made to them. These accounts are over XXXX years old and need to be removed from my credit. Keybank/XXXX  is refusing to remove it. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE COMPLAINED TO NORDSTROM ABOUT AN INQUIRY THAT I DID NOT MAKE ON XX/XX/XXXX. THEY ARE CLAIMING THAT THAT INQUIRY WAS WHEN I OPENED THAT ACCOUNT, WHICH IT WASNT, IT WAS THE INQUIRY ON XX/XX/XXXX WHEN THE ACCOUNT WAS OPENED. THAT SECOND INQUIRY ON XX/XX/XXXX WAS NOT AUTHORIZED BY ME AT ALL. EITHER THEY PULLED MY CREDIT WITHOUT MY PERMISSION OR IT WAS FRAUD, BUT IT WASNT ME BECAUSE THE ACCOUNT WAS IN BAD STANDINGS. I AM SENDING A COPY OF THE LETTER YOUR COMPANY SENT ME AS PROOF. BOTH INQUIRIES SHOW ON MY EXPERIAN FILE BUT ONLY THE ONE ON XX/XX/XXXX IS MINE. FROM CMPLAINT # XXXX-XXXX. NORD ACCOUNT ENDING IN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Stevens Business Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This is a utility service called XXXX that I have never opened or had knowledge of. This dates back to 2009 and XXXX reported as a charge off collection acct that is clearly past stature of limitations. This needs to be deleted immediately off my credit portfolio. Thus this is fraud that I was living in XXXX at the time. This clearley needs to be deleted from my credit portfolio

Company response to consumer: Closed
Consumer complaint received 2017-02-24
Company: ACS Education Services
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I went to college in 2007. i became sick and was unable to continue to go to school. the federal loans did not cover the entire cost of school so I had to also pay the school the overage. Due to still owing the school they will not release my transcripts and i can not finish school. I am a single mother so I have to work and I am unable to pay the monthly payments on my loans. Im trying to get a house so my son can go to a school in a good system. i am unable to get a house due to these loans on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-18
Company: Security Credit Services, LLC
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have I put forth good faith effort to contact this XXXX, XXXX and Security Credit Services who XXXX, XXXX says they represent. I have put in a request for validation of my debt. It has know been over 90 days since last communications from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: U.S. BANCORP
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
U.S. Bank holds the mortgage to my mobile home that I purchased in XX/XX/XXXX. I pay my insurance and taxes in escrow monthly, and for the past 3 years U.S. Bank has paid my insurance and taxes using my funds in escrow. I received a letter today from Mississippi XXXX XXXX XXXX that my insurance has been canceled because the premium was not paid to them by the due date of XXXX/XXXX/XXXX. I called U.S. Bank and they refused to pay the premium because the representatives and a manager at the bank stated that they would not pay the premium until they receive an update copy of the policy. I called Mississippi XXXX XXXX and they stated they do not send out the new policy until the premium has been paid to them. XXXX XXXX, XXXX, called U.S. Bank to resolve the issue and they also told him that they would not pay the premium until they received an updated copy of the policy. XXXX XXXX told me that they have never sent a policy until they premium has been paid to them. I called the Mississippi Insurance Commissioner 's office and spoke with a representative who told me to call the Consumer Banking Complaint department in Mississippi, and they directed me to your company. I live in XXXX, XXXX which is right in the XXXX hurricane zone path and now I do not have insurance for my mobile home. I can not get U.S. Bank to send the premium and they will not send my money to me. They told me that I could complete a form to cancel my escrow, mail it to them, they would review it, and decide if they would cancel my escrow. I have never made a late payment and have excellent credit. I have always paid before or on time for my mortgage note. I am a single mom with a daughter in college and do not have the money to pay the premium. If a hurricane hits my area, then I do not have insurance to cover the home either. XXXX XXXX, XXXX, told me that now I have to reapply for insurance and be approved before they can accept payment, if it is not received ASAP. I need U.S. Bank to immediately release my escrow money to me, and cancel my escrow ASAP. I was unable to go to my second job today because I have been on the phone trying to resolve this issue all day, and may not have the job now. I am very distraught about this issue. I can not believe that a bank would hold a customer 's money hostage, and not pay the bills as they promise to do so with escrow money. They have paid my homeowners and windstorm insurance for 4 years, and my taxes, and now they are refusing to pay without justifiable grounds to hold my money.

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 2021-07-31
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: Their investigation did not fix an error on your report

Complaint:
Equifax, XXXX, XXXX  have not removed the inquiries. I can't call any of the agencies. The phone numbers do not allow you to proceed nor speak to a live person. The only thing that was corrected was my name. Equifax, XXXX  nor XXXX  did not attempt to fix the problem regarding the inquiries. This has happen before to my credit report in the past regarding wrong names, addresses and inquiries. 
Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After my purse was stolen my identity became comprised, place on the dark web and all. I learned of this after I pulled my credit file. The following accounts are unknown and unauthorized by me, therefore Im demanding that these accounts be removes imnediately. 

1. XXXX XXXX  XXXX {$790.00} 2. XXXX XXXX {$790.00} 3. XXXX XXXX {$170.00} 4. XXXX XXXX {$92.00} 5. XXXX XXXX {$1100.00} 6. XXXX  {$96.00} 7. XXXX  XXXX  XXXX  {$850.00} 8. XXXX XXXX XXXX {$20.00} 9. XXXX XXXX XXXX {$35.00} 10. XXXX XXXX XXXX {$47.00} 11. XXXX XXXX XXXX {$16.00} 12. XXXX XXXX XXXX {$710.00} 13. XXXX XXXX XXXX {$75.00} 14. XXXX XXXX {$580.00}

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 2016-11-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is the XXXX year in a row that my mortgage lender has not made adequate payment for our property taxes. We purchased in XXXX 2015 and mid-year, our loan rolled over to Lakeview Loan Servicing, which we later FHA-Streamline re-financed this XXXX. They have been impounding an inadequate amount of property taxes, which I have repeatedly said was incorrect. And now, the XXXX installment was due, and per attached, they have not made payment. In addition, per attached e-mail streams, they remain incredibly unresponsive.

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 2021-07-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I went to XXXX XXXX XXXX  XXXX was looking to purchase my first home. I found some but needed an Realtor so I went to XXXX XXXX which I needed find an Bank or Mortgage Company I went to XXXX XXXX XXXX XXXX Denied and went to Wells Fargo and was approved I need to an down payment of {$50000.00} and closing {$10000.00} deposit they inspected the home and appraised it but was told pay off all back bills in order to be approved for the Home Mortgage since the home was being built I had wait for completion the money that I borrow was from my Retirement Thrift Saving Plan which I was enrolled in since I began my Job XX/XX/XXXX and this was my money my retirement I loss my new home after being diagnosed with XXXX XXXX and notify Wells Fargo of sickness and was told at the closing that I had year to give it up for any reason it been year that what happen. But my problem my closing and down payment was not return nor they assist during that time. I did not have any Mortgage Loan with Wells Fargo my money but they still reported negatively on my Credit Report and my none payment was sold to XXXX XXXX  who they had right to purchase my Mortgage and back payment and they also reporting on my Credit Report and preventing from rent or purchase these banks had no regards to my sickness while I was fighting for my life and harassed by County of XXXX with Door Knocks and posting in Newspaper and on the door and I wanted to give them the house back but needed somewhere to go or stay during this time. So how do they report or destroy my credit and only thing the Bank did was promise to collect the mortgage and FDIC Insurance the money and insurance how they allowed to this and I'm staying in Shelter and having problem finding house I did not default of loan this was my money please explain

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 2015-03-20
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dovenmuehle mortgage transfered my loan to XXXX with an incomplete file ... for 3 weeks I have been unable to make any progress on getting {$7000.00} of my insurance money on a completed project ... can not no progress after hours on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 noticed multiple problems with the following collection account : XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) : I dont recall having a collection account. 

XXXX XXXX ( Original XXXX XXXX  ) : I dont recall having a collection account. 

XXXX XXXX ( Original XXXX XXXX XXXX ) : I dont recall having a collection account.

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