BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-26
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I filed an dispute with ERC on XX/XX/2016 and XX/XX/2016 and requested copy of original contract with my authentic signature that begun this alleged debt. I never received the contract that begun this alleged debt with my authentic signature from ERC. ERC are in violation of the FDCPA.

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 2016-02-14
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Several years ago I started receiving notices from a debt collector for a {$9.00} charge to XXXX XXXX XXXX. I had never received a bill from XXXX XXXX XXXX for this amount. My first step, as is typical when the first notice I receive that I owe any amounts is from a debt collector, was to send a letter to the debt collector asking for proof that I owe the money. I indicated, as is true, that I was happy to pay the {$9.00} provided they could prove that I actually owed the debt. I also explained that this was the first notice I had received that I owned XXXX XXXX XXXX {$9.00}. 
Apparently this is for long distance service, which I have no recollection of ever having long distance with XXXX XXXX XXXX and, since I have had a cell phone for more than 15 years, it has been at least that long since I have needed long distance service. 
I received no response from that debt collector but in a few months I got another letter from a different debt collector for the same amounts. I did the same thing with this debt collector that I did with the first and sent a letter asking for proof, committing to pay the {$9.00} provided it was actually my debt and they could satisfactorily prove it was mine. That debt collector sent a response that only indicated that the amount I owed was some much larger amount. No copy of a statement from XXXX XXXX XXXX, no XXXX XXXX XXXX ledger indicating a total amount owed and a payment made that was {$9.00} short, nothing. 
After that I heard nothing for a long time. But now, I have recently gotten a bill from XXXX debt collector. Additionally, I have noticed on my credit report that they have reported to credit bureaus that I am behind on a payment. 
Apparently I am going to have to get the CFPB involved to get this resolved. I reiterate, I am happy to pay the {$9.00} if they can prove that I owe it. I wo n't pay any other fees since no one ever bothered to provide me with a bill that shows I actually owe the money. I also want my credit report cleaned up. I never neglected this payment or any request for payment. XXXX XXXX XXXX neglected to bill me for it and XXXX different debt collectors neglected to respond to my request for proof. That does n't make me behind in my payments. Please help.

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 2022-05-27
Company: EQUIFAX, INC.
State: TX
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:
Equifax is furnishing a closed negative account that the debt collection company could not validate after several request. 

XXXX changed this Item from a collection to closed in XXXX of XXXX without providing me with validation I requested on XX/XX/XXXX and again on XX/XX/XXXX. 

I also have emails where XXXX and there affiliates violate 15 U.S. Code 1692a ( 4 ) by intentionally misrepresenting themselves as a creditor I owe when I've never done any business dealings nor have been extending any line of credit with them. 

They have been giving close to XXXX  months to investigate and reinvestigate, and to produce records confirming this item is accurate and complete but have failed to do so. 

Under 1681i 5 ( a ) Equifax is required to promptly delete this item, not just close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRUIST FINANCIAL CORPORATION
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As stated in my previous complaint, Truist assumed our mortgage from BB & T. Truist did not correctly apply a past payment of {$1500.00} to the monthly payment due but instead applied that full amount to principal. I discovered this mistake when Truist showed a monthly mortgage payment due ( XX/XX/2022 ) that was not due until XX/XX/2022. I repeatedly attempted to contact Truist to correct their error but they would not respond or return calls until I filed a CFPB complaint. After the complaint I received correspondence from XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX ] stating they had corrected the error and our next mortgage payment was not due until XX/XX/2022. She attached a " Mortgage account statement '' with her letter but unfortunately the bottom portion of the statement ( legal paper size document ) was not copied because she sent a letter size copy which cut off the " coupon '' portion of the statement. I reviewed this statement and discovered almost all of the {$1500.00} payment they supposedly corrected to be a mortgage payment was applied to interest. The mortgage payment due was {$1300.00} of which approximately half should have been principal and half interest ( {$670.00} principal, {$680.00} interest ). I had submitted a payment of {$1500.00} of which at least {$140.00} was to be ADDITIONAL principal, not interest. Truist 's statement dated XX/XX/2022 shows {$1400.00} applied to interest and only {$89.00} applied to principal! On XX/XX/2022 I called the " XXXX XXXX '' telephone number provided in XXXX 's letter and spoke to " XXXX ''. She acknowledged the application of {$1500.00} payment did not appear to be correct. She said she would look into it and call me back. Once again, I have heard nothing from Truist with an acknowledgement, explanation or correction of the error. Apparently filing a CFPB complaint is the only way to get their attention. I wish to file this complaint.

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 2015-10-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm a senior citizen, and have been trying to lower my payment with OCWEN Loan Servicing , LLC . This company has lied to me. Their costumer service representatives play games when we call to find status on the my loan modification. They keep me on the phone for hours and they seem to be playing games, asking questions that do not make sense. They never want to escalate my case. 
I submitted ALL required documents for a loan modification, at the end I was denied the lender gave me 2 reasons for denial. 
1-The owner of the loan does not do loan modification. 
2-The loan modification was denied, because the borrower did not receive all requested documentsI sent out ALL requirements documents, I have a copy of everything I sent for the loan modification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions 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:
FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2022 full amount sent to merchant of {$560.00}, card ending XXXX. Billed by credit card comp, again for {$560.00} on card ending XXXX. I contacted the merchant and he said he had only sent one bill for card ending XXXX and that bill had been satisfied. I contacted my bank and they said the amount of {$560.00} had been paid on XX/XX/2022 and it had been taken from my checking account. I have been fighting with the credit card company and get nowhere. They said the disputes I filed with them had been investigated ( two different times ) and I was responsible for the charge.I have the paperwork from the merchant and my bank stating this bill has already been satisfied.

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 2020-06-22
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to a new servicer. I received a letter from my new servicer Arvest Central Mortgage Company that they do not pay my property taxes thru my escrow account. Everything I have read states that the terms of my loan remain the same. I want it to be the same terms that I had before. Also my other mortgage company gave them the excess amount in my escrow account to cover this. I was told by them that it takes 90 days for them to review my escrow account. They also charge a fee to pay online. They took over my loan as of XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: Big Picture Loans, LLC
State: AZ
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied to Big Picture loans for a loan in the amount of {$400.00} plus a {$100.00} finance fee. After I received my money and made my first payment ( which was the finance charge ) I called to check the status of my balance and I was told it was still {$500.00}. I just made another payment of {$100.00} and was told that was a finance charge payment. They told me there are actually XXXX installment payments and I should try and pay more or pay the entire amount. This has me in a loop of trying to pay something off that charges me more than what I borrowed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX is furnishing a closed negative account that the debt collection company could not validate after several request. 

XXXX changed this Item from a collection to closed in XXXX of XXXX without providing me with validation I requested on XX/XX/XXXX and again on XX/XX/XXXX. 

I also have emails where XXXX and there affiliates violate 15 U.S. Code 1692a ( 4 ) by intentionally misrepresenting themselves as a creditor I owe when I've never done any business dealings nor have been extending any line of credit with them. 

They have been giving close to XXXX months to investigate and reinvestigate, and to produce records confirming this item is accurate and complete but have failed to do so. 

Under 1681i 5 ( a ) XXXX is required to promptly delete this item, not just close it.

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Harris & Harris, Ltd.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX/XXXX/XXXX I entered into a payment plan contract with XXXX XXXX Hospitals. During my XXXX XXXX call, I spoke with the Billing Customer Service Supervisor, XXXX. XXXX XXXX forwarded me a payment plan contract, which I signed upon receipt and returned to XXXX immediately. This payment plan contract includes automatic monthly payments of {$83.00} to be debited from my XXXX XXXX credit card. 
On XXXX/XXXX/XXXX I received a phone call from Harris & Harris Ltd., claiming I owed XXXX XXXX Hospitals {$500.00}. I instructed Harris & Harris Ltd. to contact XXXX XXXX Hospitals, explaining I already had a signed contract in place with XXXX. During this call I also requested that Harris & Harris Ltd. cease calling or contacting me regarding this matter. 
On XXXX/XXXX/XXXX I again called XXXX XXXX Hospitals Billing Customer Service to confirm that they received my payment plan contract. During this XXXX XXXX call I made an early payment of {$83.00} using my XXXX XXXX credit card. 
Harris & Harris Ltd. repeatedly called me on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Each time they called they demanded I pay them {$500.00} and stated they were collecting on behalf of XXXX XXXX Hospital. During all calls with Harris & Harris Ltd. I requested they cease all communications with me. 
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I called XXXX XXXX Billing Customer Service and spoke to XXXX XXXX. Each time she assured me XXXX XXXX Hospitals submitted documentation to Harris & Harris Ltd. stating my account was NOT in collections. 
During my XXXX XXXX EST call on XXXX/XXXX/XXXX the representative from Harris & Harris Ltd. was very aggressive with me and told me I will go to jail if I do not pay them the balance of {$500.00} I again explained that I am under a payment plan contract with XXXX XXXX Hospitals and refuse to pay Harris & Harris Ltd. I also again asked that Harris & Harris Ltd. cease contact with me. On XXXX/XXXX/XXXX at approximately XXXX XXXX. EST, a representative from Harris & Harris Ltd. called my in-laws and asked to speak with me. My in-laws stated that I do not live there and requested they not call them again. 
I am reporting Harris & Harris Ltd. for unlawful and aggressive collection tactics for an invalid collection account. I ask that they remove my family 's contact information and my information from their systems and cease communications with my family and me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I XXXX XXXX am a natural person, Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for all accounts created by my seal/signature. This Demand is a response to willful disregard of the law by PERSOLVE XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX is presenting a gross mischaracterization of an alleged debt. PERSOLVE XXXX XXXXXXXX XXXX brazen attempt to ignore my initial claim of XXXX XXXX alleged theory that they are entitled to funds not owed to them as defined in 15 U.S. Code 1602 TRUTH IN LENDING ACT The EXHIBITS attached will show direct violations of 15 USC 1692e ( A ) the legal status of a debt 15 USC 1692e ( 3 ) the implication that any individual is an attorney The EXHIBITS attached will show direct violations of 15 USC 1692b ( 2 ) Stating the consumer owes a debt 15 USC 1692b ( 3 ) Not communicate with any person more than once 15 USC 1692b ( 5 ) the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: EQUIFAX, INC.
State: NJ
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:
Submitted a dispute to Equifax with court documents to substantiate the erroneous chargeoff and lates on listed on my credit report and they refused to update my credit report. They also did not cite a valid reason why. This continues to affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX BANK : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a loan with rbs citizens bank. Their fees are ridiculous if you ever get behind in a payment they talk to you like XXXX terrible customer service i tried to defer my car payment do to hardship they denied it i asked could they change my payment day later in the month they refused to. Two days before my loan was 2months behind i tried to pay for one month they refused to take my payment they demanded i pay for both months and a ridiculous reposession fee. My car was never repossessed they told me the fee was because they submitted it to be repossessed on top of these ridiculous late fees i am current with my loan but for some reason they are still charging me late fees. I dont like to call them because they are so rude

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts corrected as soon possible : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance XXXX XXXX Late Dates XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian keeps outdated account. Ive sent several letters Requesting the removal and the account remains on my credit report. The results of their most recent investigation also concluded the account was old and outdated yet it still remains on my report. See attached.

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