BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-28
Company: Mandarich Law Group, LLP
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I took out a XXXX credit card in the amount of {$6000.00} I got behind in my payment due to financial hardship in XX/XX/XXXX. I was not able to keep up the payments I was contacted by a collection agency and agreeded to a settlement amount of XXXX, XXXX. I made payment arrangments to pay off debit. In XX/XX/XXXX I was contacted by Mandarich Law Group XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX they issued a Writ of Garnishment for my wages the claim I owe {$8800.00} from XX/XX/XXXX through XX/XX/XXXX they took {$420.00} per pay check bi-weekly. I rersearch the Writ of Garnishment it was dismissed in XX/XX/XXXX due to failure to disclose debit. I contacted several attorney they told me to make arrangements with them. The collection agency wants me to sign a contract with set up fees for more than XXXX at XXXX % interest. I contacted XXXX the debit was sold they have no record of my settlement with the collection agency bu acorrding to them they can continue to sell of my debit. I am trying to get monies to again pay off this debit but my fear is that it will only be sold to another collection agency. I have become ill from trying to reslove this matter and so much time has gone by I am having trouble located the necessary paper work to fight anymore. No person should have to experience this my wages are continued Garnished by a document that was dismissed each attorney I talk with says make payment arrangement that are not in my best interest I am just feeling hopeless and financially abused. I have paid XXXX on this debit and no one has a record. The Writ of Garnishment was from the XXXX XXXX and was dismissed on XX/XX/XXXX and I was never served anymore papers or I would have went to court and disputed. What do I do?

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
on XX/XX/2022 I sent a letter regarding some inaccurate and unknow items on my credit report. To this day over 35 days ago I have not gotten a response at all. Am I being taken advantage of or something for my disputes? in section 611 ( a ), it says that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been over 35 days so the items listed should my be deleted from my report immediately due to law. I demand that these accounts be removed promptly or I will be forced to file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of a hacker.

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 2021-11-12
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing this letter in because I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, and I saw a debt reported by NCB MANAGEMENT SERVICE for XXXX XXXX  XXXX XXXX  in the amount of {$2900.00}. 

Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me the following information : ( 1 ) The name of the original creditor ; ( 2 ) What goods or services were purchased with the money you claim I owe ; ( 3 ) All documentation proving that I owe this debt ; and ( 4 ) A copy of your license to practice debt collection in my state. 

I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. 

If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: EQUIFAX, INC.
State: NY
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: MN
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:
on XX/XX/2022 I sent a letter regarding some inaccurate and unknow items on my credit report. To this day over 35 days ago I have not gotten a response at all. Am I being taken advantage of or something for my disputes? in section 611 ( a ), it says that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been over 35 days so the items listed should my be deleted from my report immediately due to law. I demand that these accounts be removed promptly or I will be forced to file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of a hacker.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: Trident Asset Management, L.L.C.
State: NJ
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 had a debt of {$29.00} that was in disputed with XXXX that was paid, at least XXXX. The debt occurred around XXXX of 2014, where XXXX said I did n't return a piece of equipment when I left XXXX for XXXX. I did return all items, directly to the XXXX store. I, unfortunately, did not save the receipts on the equipment. That is where the initial dispute occurred. 
I have also called XXXX numerous times, spending hours of my valuable time, being told to call many different and ineffectual departments with no answers. In XXXX of 2014, I received a letter from XXXX XXXX, a debt collection agency for the {$29.00}. I wrote a letter of dispute to them in XXXX of 2014 and I have not received any correspondence from them afterward. 
I eventually came back to XXXX and had to open the account under my wife 's name, as I was unaware that they would not open an account in my name. Since I use XXXX to pay my recurring bills, I paid the XXXX bill of {$180.00}, but, it was sent to the OLD XXXX account number in my name. I contacted XXXX and they would credit the NEW account number for the payment. They did do that, but with the {$29.00} deducted as a past due amount. This would be the XXXX time I paid that amount. The first is the dispute over the equipment. 
I then learned that a new Debt Collections company called Trident Asset Management entered a NEGATIVE entry on my credit profile with XXXX and XXXX for {$29.00}. I again spent hours calling XXXX and Trident to dispute the charges. XXXX, after much time and effort sent me a " Paid in Full '' letter which I forwarded to Trident.Another issue that adds to the complexity for resolution is that these companies change the account numbers so that when we as consumers try to trace the issues backward in time, there are no accurate corresponding account numbers. 
I have spoken to Trident and was told that they did receive the documentation and that they would remove the erroneous entry on my credit profile. I wrote another letter to Trident asking for a " Closure Letter '' and I am still awaiting that. 
I am concerned that Trident is searching through various databases that they have access to that may list outstanding ( paid or not ) debts and sending collection notices to these people, of which I am XXXX of them. I am now resigned to either continue the fight against, who knows how many companies like Trident or XXXX. Even if I give in and again pay {$29.00}, whose to know that this kind of fraud will not continue? I do not see an end to this vicious cycle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is XXXX XXXX balance {$2800.00} account # XXXX 30 days late in XX/XX/2021, XX/XX/2021, and XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX XXXX balance {$2800.00} account # XXXX 30 days late in XX/XX/2021, XX/XX/2021, and XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
i moved from XXXX  my address in XXXX was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and moved to XXXX my new resident is XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX i have called them many times but no action was taken with EQUIFAX other agencies as updated to my current address and its affecting my verification process for things i want to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my XXXX id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: The Phoenix Recovery Group
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
XXXX XXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX balance is {$6800.00}, and account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX XXXX  balance {$2800.00} account # XXXX 30 days late in XX/XX/2020.

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: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My complaint is Wells Fargo mortgage. My complaint # XXXX. I 've been Wells mortgage since XXXX XXXX. When I brought this property, there 's XXXX separate lots only XXXX lot with mortgage. Mortgage on address XXXX XXXX XXXX XXXX XXXX Oregon XXXX. Other XXXX lots is has no mortgage. Although when I purchased this property it was all connected. 
On XXXX XXXX XXXX I spoke to XXXX XXXX of Wells to resolve. I told Wells is not right. What I 'm fighting about is that Wells is making me to pay all XXXX property tax lots. Before refinance, which address XXXX XXXX XXXX XXXX property tax included in mortgage. After refinance XXXX XXXX XXXX XXXX is not include property tax in mortgage. It was never brought to my attention at the time of refinance. In my first payment I discover it Wells withdraw more than I 've agreed. 
Wells said all XXXX property tax lots I 've to pay. I told them, escrow XXXX XXXX XXXX XXXX property tax should be included in mortgage. Indeed I will pay XXXX other property tax lots ( which does not have mortgage ) or I will pay XXXX property tax lots on my own but Wells is not willing to do that instead they like to bundle all together. I do believe Wells see loop hole with XXXX lots and make it confusing to understand. The reason wells got involved I owned property tax on the other XXXX lots was discovered in XXXX. 
From beginning bad communication and never return phone call. It 's was so sloppy we missed closing in XXXX XXXX. XXXX said I 'm long committed customer to them and offer me XXXX steps refinance at 3.5 % with no closing cost. XXXX XXXX in our last conversation said I am XXXX with this and I agreed to this. That 's XXXX! We do not have agreement. I need help resolve this issue. I look forward to hear from you. Thank you

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 monetary relief
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: MD
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2021-11-12
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:
I XXXX XXXX have contacted Equifax now for over an year to delete the following account and it has been refused to be removed. I mailed a dispute for this same account more than 6 times. I have submitted Fraud Affidavits. This information still remains on my credit report negatively affecting me from pursuing purchases or credit cards. 

Identity Theft Account XXXX XXXX XXXX ( {$15000.00} ) XXXX XXXX XXXX XXXX. XXXX XXXX, WI XXXX Date : XX/XX/2015 This is not mine. I am a victim of ID Theft and I have included a Affidavit, and police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2020-04-07
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/2020 I contacted Citi-Bank about relief from making payments during these unprecedented economic times, a stock market crash and the XXXX XXXX Virus XXXX. Citi-Bank has refused to help me in any manner what so ever. 
My payments were due on XX/XX/2020 and XX/XX/2020. 
Please see Citi-Bank 's XX/XX/2020 attached response letter. 
This morning I was on Citi-Bank 's webpage and Citi-Bank is offering 2 months of no payments, waive late fees and no impact on Credit Card account. 
I need help with Citi-Bank please.

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 2022-05-05
Company: EQUIFAX, INC.
State: MD
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This was a HELOC ; I paid the final balance IN FULL, then am told I need to pay {$85.00} to " pay off '' the loan, including a " late fee '' of {$5.00} ( on an account with NO BALANCE, and interest of XXXX cents. A " statement fee '' of {$25.00} and a " recording fee '' of {$36.00} This loan was paid timely, in full and regularly ; however, it was SOLD to a third party, Specialized Loan Servicing XXXX., who seems is in the business of generating fees when they ca n't generate genuine late payments. The amounts are small, the principle is outrageous.

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 2015-06-17
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my name is XXXX XXXX XXXX i have XXXX mortage with sls with a 10.250 % have had this for over 10yrs i have tryed more than 2years fill out all kinds forms asky for the inerest to be lowered or refi they always say no why fill out forms if they were not willing to help the XXXX mortage is $ XXXX-was XXXX can you help with this i know the payment on {$150.00} -whn XXXX cause me to go bankrupt in 2009 i was late XXXX time now having to pay a little extra every month ths is a 30yr loan which i did not know until i went bankrupt if they new i could not get the adjustment why send form just say we can not help i need help please .this loan is not going down as it should.loan numberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
i have been a customer here in good standing for many years. I had asked for a call back got one friday wherein i requested some follow up info. Specifically, why is my apr 18.99 for interest? when why how did that change? also asked as to the check i got the terms. can i deposit it? when will it be due WITHOUT penalty? XXXX  said she would call me on card ending XXXX nothing. i am busy not going on a wild goose chase. i tried chat got me nowhere with in accurate info. I am tired of scripts and being sent on wild goose chase.

Company response to consumer: Closed with explanation