BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-04
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received your partial response through CFPB stating that you will request that I be forwarded a copy of my signed guarantor agreement with XXXX. Referencing this agreement does not justify your agency sending a collection letter that is ambiguous. The fees that are included in the debt may be authorized by that agreement, but all collection letters need to clearly state information about the debt 's character and amount. Your letters do not. 

First, the collection letters indicate, " Other '' but neglects to report exactly what this means. In addition to this, collection letters dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX indicate, " Other {$40.00}, '' while collection letter dated XXXX/XXXX/XXXX indicates, " Other {$39.00}. '' As a collection agency, you are expected to include in the letter information about what, the " Other '' charges are and how they were determined. 

Second, the collection letters indicate that the debt includes an interest, but neglects to report the amount, frequency, and cycle. Collection letter dated XXXX/XXXX/XXXX indicates, " Interest {$0.00}, '' letter dated XXXX/XXXX/XXXX indicates, " Interest {$7.00}, '' and letter dated XXXX/XXXX/XXXX indicates, " Interest {$15.00}. '' None of the collection letters clearly report the amount of the interest rate nor frequency of which the interest accrues. This omission creates confusion and is misleading, because if a payment is sent in the amount noted as " Total Due, '' but is sent outside of the interest cycle, the debt will not be resolved, because additional interest will be further calculated. As a collection agency, you are expected to disclose in the letter information about how the debt is affected by a specific interest rate accrual. 

Third, XXXX XXXX confirmed that my payment of {$150.00} for the original debt of {$150.00} was received on XXXX/XXXX/XXXX, yet this was not acknowledged on your part until I received collection letter dated XXXX/XXXX/XXXX. This seems to be a deliberate delay in confirming receipt of my payment, in order to continue billing interest. 

I contacted your agency via phone on XXXX/XXXX/XXXX and informed the representative that I made payment to XXXX in XXXX XXXX and that I just received a collection letter requesting additional money. I also informed them that I do not pay bills with mysterious charges and that I will not make payment to your agency, because the justification for that amount was not included in the letter. The fact that I am dealing with you, does not justify your attempt to mislead me. The Fair Debt Collection Practices Act expects that collection letters accurately represent the amount and character of the debt. Your collection letters fail to uphold this. You can not exclude this information and suggest that I read an agreement with the original creditor for clarification or simply call your agency to talk about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: M&T BANK CORPORATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Manufacturers and Traders Trust ( MTB ) is a part of a mortgage fraud against the, ESTATE XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NCXXXX. 
Since XXXX, I have been corresponding with MTB about the loan that was cancelled by XXXX on, XXXX XXXX, XXXX, after filing an affidavit for lost note on XXXX XXXX, XXXX .This was ten months later .Because of the time span, this was not likely to have been done in error. 
When contacted, MTB repeatedly assured me that they had nothing to do with the this loan. 
XXXX, who I believe is a co-conspirator, wrote that they had acquired servicing of the mortgage in XXXX, and had sent payments to MTB, the holder of the note. 
MTB wrote, they held XXXX files in their vault, but returned them to XXXX in XXXX. MTB said XXXX XXXX XXXX was the servicer at that time and that they had not received any of the payments made. 
Research has shown that MTB was perjuring themselves in all the information they sent me. 
Recorded documents show a list of mortgages XXXX XXXX XXXX XXXX serviced for them. The mortgage in question, XXXX XXXX series was on the list. This can br found in BK.XXXXIN XXXX, NC XXXX online register of deeds .I have spoke with people in the lien department and they have denied having this mortgage. 
I was told the name, XXXX XXXX, or the address was not in their system. 
It appears, XXXX XXXX, XXXX and MTB, are trying to cover for each other. 
MTB knew all the time that this note was with them. At first, they seemed to be trying to help me, now I know they were not. 
I will send the docs tomorrow. 
XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX -- -- -- XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Hiday & Ricke, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I KEEP GETTING THREATENING LETTERS FROM A DEBT COLLECTOR, LAST YEAR THEY THREATENED TO PLACE A LIEN ON MY VEHICLE, THEN THAT SAME YEAR THEY CONTACTED ONE OF MY CREDITORS AND INQUIRED WHY WAS I GIVEN CREDIT THIS YEAR IN XX/XX/XXXX THEY HAVE TRIED TO FREEZE MY BANK ACCOUNT AND NOW THEY HAVE CONTACTED MY EXEMPLOYER ASKING FOR PERSONAL INFOMATION.. I HAVE NOT BEEN ABLE TO WORK SINCE XX/XX/XXXX. I AM XXXX XXXX AND TAKING MEDICATIONS EVERYDAY TO BE ABLE TO MOVE AROUND..

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 2020-09-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been disputing incorrect information being reported about my student loans since the beginning of XXXX. XX/XX/XXXX I had gotten an alert about changes on my report. I was appalled by the blatant lies and incorrect remarks I seen by an Experian associate. I immediately filed a dispute, and even with undeniable evidence against them, they refuse to admit their fault and remove this account, They have it listed as a WRITE-OFF when I clearly consolidated my loans and they were paid in full. The account in question is PAID IN FULL and is within 6 months of being 7 years old, and they refuse to remove it and this is a violation of my personal information because ( 1 ) the information in INCORRECT ( 2 ) I have paid this account in full and ( 3 ) I have to fight enough because of Experian exposing my data  in a data breach and I am now a victim of identity theft because of them. This account should be removed!

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 2020-09-27
Company: Experian Information Solutions Inc.
State: AZ
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 disputed these two addresses ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ) with Experian. I am a victim of identity theft ... thus they refused to correct an error. I've attached documents that XXXX  deleted these two unverified addresses but Experian STLL are reporting these two fraudulent addresses.

They refuse to correct information after being provided proof of inaccuracy.

Violation : Defamation, willful injury. 


LEGAL JURISDICTION : FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220 June 9, 1997, Filed ( D.C.

No. 95-cv-01743 ).

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 2020-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Portfolio Recovery Associates, LLC XXXX XXXXX XXXX XXXX CA XXXX. 
REFERENCE NUMBER : XXXX Sir/Madam, Above company alleges that the bought XXXX XXXX and Merchant XXXX XXXX XXXX XXXX. whom I had their store credit of {$500.00} maximal. I have asked them to provided. for me the documentation of when credit limit was hack? In all their various correspondence no answer was provided. I do not recall my credit limit being extended nor was I having an expenditure for amount that the are claiming $ XXXX on a credit card that had a limit of {$500.00}.. 
Yours faithfully, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XX/XX/2021 I made a transfer of {$25000.00} from my XXXX checkings to my Citibank checkings account ( the money was meant for an urgent Medical and business project purpose ) the money was made available in my Citibank XX/XX/2021 as I tried to access the money I was locked out of my online banking I called Citibank and they told me my account has been closed for no specific reason and also told me I would be sent a letter and a check of my balance with XXXX days this occurred around XX/XX/2021 and until now I have received nothing, I kept calling and they keep telling me there is nothing they can do .I strongly believe that I did nothing to deserve this treatment from Citibank I have XXXX a whole lot in my business and my health is also on the line .I feel intimidated and I need help seriously this issue is seriously affecting my life and Citibank are responsible for this .please help me!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX I have a loan with Freedom Mortgage I have been making overpayments on my mortgage and they consistently have been applying the payments to future interest instead of principle. 
I have contact them several times over the phone, but they do not seem to be changing their process or it keeps reverting back to future interest. 

I feel that I am being defrauded and I suspect they are doing this to many other people. 

I copied my statement. Please note the " Interest Paid to Date '' is far into the future. 

Its conveniently buried in the statement.

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 2023-04-02
Company: MOHELA
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My federal student loan servicer Mohela sent me a notice dated XX/XX/2023 that states the following student loans were forgiven based on review of TEPSLF application. I have attached copy of notice that details that I satisfied loan obligations for loan sequence XXXX and XXXX Under loan program DLUCNS for amounts {$93000.00} and {$15000.00}. Please reflect the student loan discharge on my credit file from all three bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This relates to complaint XXXX for CRM creditors attempting to collect a debt on behalf of XXXX XXXX starting their collection on XX/XX/2022 taking 59 days to respond only to defer me to XXXX XXXX who never contacted me nor had anything to do with me until today XX/XX/2022. 

The first complaint is that their verification letter cites a XXXX XXXX who never saw me nor was I admitted under or discharged by anyone. The nurses kicked me out as I had to protest against their attempt to Baker Act me despite being cleared earlier by a psychologist still having an hour long video including the police response to catching them lying about me seeing the psychologist. They never properly discharged me or notified me of any debt until months after when CRM sent a final notice as their only notice to me. 

I then went to verify this as it was perposterous I was always sent a letter from XXXX XXXX XXXXXXXX. After 59 days I was told to send my insurance to XXXX XXXX who I do not know and have no information about. I require everything in writting as I do not do well on the phone and XXXX XXXX appears to have no company information online outside of their multiple addresses. The verification letter claims they operate out of XXXX but according to all online sources I've seen that is not true as they only operate out of " XXXX XXXX XXXX XXXX XXXX is a XXXX XXXX that has only one practice medical office located in XXXX XXXX FL '' I do not know how they managed to get any and all of this information without it being illegally traded as I was never properly discharged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13
Company: EQUIFAX, INC.
State: NV
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 tried having the credit bureaus remove a collection account from XXXX that is not mine. I need to have this removed ASAP. This has been affecting my ability to qualify for loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are XXXX  consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX  That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME 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 2017-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of   XXXX   XXXX   XXXX   am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In XXXX of XXXX, XXXX of XXXX, and two tines in XX/XX/XXXX the last date being XX/XX/XXXX. I contacted Transunion by phone and by mail letting them know that they are incorrectly reporting a late payment on my credit from a first progress card for the month of XX/XX/XXXX. I had already contacted forst progress and they said that they are not reporting any late payments as I have not paid late. I disputed this with Transunion and each time they are closing the dispute without really investigating. First progress reports to XXXX and XXXX and neither of them are reporting a late payment. In addition transunion will not remove fraudulent address that are on my credit report. I informed them the only address that is correct on my report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. Any other address is unverified, inaccurate, and I have reason to believe they are connected to fraudulent actions.

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 2019-05-29
Company: Experian Information Solutions Inc.
State: NV
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:
negative items should be removed

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 2020-09-27
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I PAID THIS DEBT IN FULL WHEN I SWITCHED CARRIERS! Every few months XXXX sends it to collections over an error on their part. I do not owe this amount, nor am I going to pay it. Furthermore, this new collection agency they sent after me is illegally harassing me. They have called multiple times between the hours of XXXX - XXXX, they have refused to identify themselves without me giving them personal info which I will not do. Because they refuse to identify themselves, they have also not sent a written validation notice.

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 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 own a property in XXXX and bills were going to the home instead of coming to me. The service provider wasn't doing what they were supposed to be doing in sending the bills to where I live which would have alerted me to an issue. We now have had a squatter in the apartment for over year ( as a result of the pandemic ), its been a very expensive process to get them out and they, of course never put the gas in their name. I closed out the first landlord/default account, but because the mail wasn't coming to my home it is my belief I was impersonated or something was mailed in to turn the services on in my name that would have only been available to the person receiving the mail. Now I have the company trying to collect on ME and have over $ XXXX bill I'm trying to dispute with them. We are finally at the stage of going to court for an ejection/eviction but this is being reported to my credit and this is NOT my bill. I have my own home in NJ where I pay gas and electric +. Gas nor electric were ever included in my properties whenever I rented them.

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 2022-08-28
Company: Experian Information Solutions Inc.
State: NJ
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 own a property in XXXX and bills were going to the home instead of coming to me. The service provider wasn't doing what they were supposed to be doing in sending the bills to where I live which would have alerted me to an issue. We now have had a squatter in the apartment for over year ( as a result of the pandemic ), its been a very expensive process to get them out and they, of course never put the gas in their name. I closed out the first landlord/default account, but because the mail wasn't coming to my home it is my belief I was impersonated or something was mailed in to turn the services on in my name that would have only been available to the person receiving the mail. Now I have the company trying to collect on ME and have over $ XXXX bill I'm trying to dispute with them. We are finally at the stage of going to court for an ejection/eviction but this is being reported to my credit and this is NOT my bill. I have my own home in XXXX  where I pay gas and electric +. Gas nor electric were ever included in my properties whenever I rented them.

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 2017-03-24
Company: Stellar Recovery, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Back in mid XX/XX/XXXX I filed a complaint against Stellar Recovery for validation of debt. Stellar stated that they would close this account and release debt from all national bureaus. In the meanwhile they are still continuing to contact me on an unvalid debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation