BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-22
Company: BANK OF THE WEST
State: NH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Foreclosure Proceedings have been set for XXXX XXXX, XXXX and I am trying to prevent this Foreclosure as the bank has not followed through with what we have agreed that I will obtain new Financing to remove them from the note and they will not work with me. Please contact me with what ever you need from me for documentation as I have a substantial amount of information/documentation and can provide whatever you need. I had filed for bankruptcy protection in XXXX of XXXX as the Bank of the West filed for foreclosure at that time. XXXX/my attorney at the time agreed that we should have the case dismissed and this would allow the new bank I currently am working on refinancing ( XXXX XXXX XXXX XXXX XXXX ) ( new Bank ) to remove them from the SBA guaranteed loan. I/we have followed the protocol as outlined by the bankruptcy judge and have continued to make the monthly payments of {$2600.00} of which they mailed XXXX XXXX, XXXX payment back to me stating that they have already filed for foreclosure of XXXX XXXX, XXXX. AgainI have made payments as outlined in the bankruptcy proceedings and have made them prior to the due date. Besides what is listed above XXXX has further requested the following:1. ) XXXX has asked them for all of the Financial back up including what they claim to be in arrearage. 
2. ) XXXX has asked to set up payment arrangements once we have received the financial information ( again to no avail ) 3.why would they contact my Investment property owned by me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NH XXXX ) which has a Tenant living there. The tenant whom received a notice to vacate the property prior to the foreclosure sale of XXXX XXXX, XXXX has XXXX young children and is a single mom now has severe XXXX over this. This property deeded to XXXX XXXX XXXX has a lease agreement with the tenant whom was unaware of all of this. 
4. ) XXXX/I have asked for a full accounting detail break down of the account since it inception to assure that funds have been properly applied. 
5. ) What XXXX has received is very vague and I am not sure how a loan that shows a principle balance of XXXX XXXX round figures ) and a maturity date of XXXX XXXX could now be stated ( according to what vague we got XXXX {$31000.00} how can the loan go up from XXXX to XXXX???? 
6. ) Does this stop stop the foreclosure process until this matter can get resolved and or the financing can get put in place and remove them? 
I do intend on filing with the Consumer Finance Protection BureauRespectfullyXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying to get copies of my free credit report from the 3 CRA 's for the past 3 weeks now from annualcreditreport.com but keep getting error messages when it tries to process my request through their system. 

All the information i provided was correct and accurate. 

The site suggested that i call in and have the reports mailed to my address, so i did that and still have not received anything. 

See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: LA
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:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX XXXX, Experian. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

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 2016-09-15
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I disputed an alleged account that Midland Credit Management , Inc ( MCM ) is reporting in my credit file. On XXXX/XXXX/2016, MCM sent a letter where the state that they were opening an investigation regarding my dispute. On XXXX/XXXX/2016, MCM sent a second letter requesting my assistance to verify the accuracy of the credit information being reported. MCM has not provided to me any account-level documentation, such as, a signed contract, purchase and payment history, computation of fees, interest, etc..On XXXX/XXXX/2016, MCM updated/verified the accuracy of the information to XXXX but did not submit any account-level documentation to support the accuracy of the information disputed in clear violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: AFNI INC.
State: FL
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:
This is again the same dispute over and over see confirmation of payment XXXX// I faxed this information to you onXX/XX/2015 with a copy of my driver license bank statement when it was paid I been having to do this every 14 months the day of payment was made XX/XX/XXXX {$85.00} it was under the name XXXX XXXX it will faxed again if need it thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
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: Old information reappears or never goes away

Complaint:
I have tried to fix the names and addresses on my credit. XXXX and Equifax and XXXX won't delete these wrong names and addeeas off my credit report. 

Can someone please help me remove these wrong addresses and alias names that are not me from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
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:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. XXXX : XXXX XXXX/XXXX  # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1200.00} XXXX XXXX # XXXX {$2500.00} XXXX/XXXX  # XXXX {$2900.00} XXXX/XXXX  # XXXX {$500.00} XXXX/XXXX XXXX # XXXX {$8800.00} XXXX/XXXX  # XXXX {$400.00} COLLECTIONS # XXXX {$270.00} COLLECTIONS # XXXX {$90.00} COLLECTIONS # XXXX {$36.00} XXXX : XXXX XXXX XXXX  XXXX # XXXX {$1300.00} XXXX/XXXX # XXXX {$1400.00} XXXX/XXXX  XXXX  # XXXX {$920.00} XXXX/XXXX XXXX  # XXXX {$8800.00} TRANSUNION : XXXX XXXX XXXX  XXXX XXXX # XXXX {$1300.00} XXXX/XXXX # XXXX {$1400.00} XXXX/XXXX  # XXXX {$920.00} XXXX/XXXX XXXX # XXXX {$8800.00}

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 2022-04-10
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I have reached out multiple times to remove any and all inaccurate information per FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: DISCOVER BANK
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
Unauthorized phone transfers. Unauthorized charges. I will fax supporting documents ( statements ) with checked fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency canot furnish a account without my written instructions.

15 U.S.C 1666b A creditor maay not trat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Prior Investigations have taken longer than 30 days, this is also violating my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-11
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian will not investigate those collection items XXXX XXXX In which all should be deleted it has been over 7 years and they are still reporting these accounts. There is also XXXX bankruptcy on my file which do not belongs to me should be deleted. XXXX and XXXX are not reporting those bankruptcy neither collection items accept XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I contacted Citi bank to close both my savings and checking accounts with the bank. However, I was bounced around from representative to representative over the phone and could not actually get a hold of anyone who'd be willing or able to close the accounts. I tried to follow up on XX/XX/XXXX and XX/XX/XXXX but was never successful closing the accounts.

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 2016-04-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax has several disputes concerning my issues. I filed Chapter XXXX but I won a XXXX lawsuit and i the did a voluntary dismissal. Equifax has been informed. They also continue to show XXXX mortgages as wage earner plan when XXXX were paid off in closing with wiring instruction. They continue to damage me amd my credit by reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Lendmark Financial Services
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Have had numerous phone calls from Lenmark loans, They are located in XXXX XXXX XXXX They keep calling to try and collect a debt from an employee that works for me. I have asked that they stop calling my business and they continue. I have asked to speak with a manager and they hang up. When I called back they said the manager is out and have refused to speak with me. The employee that made the loan is part time and is about to be fired because of the phone calls and other reasons. I would like to file a lawsuit if that is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: EQUIFAX, 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:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. XXXX : XXXX XXXX/XXXX  # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1200.00} XXXX XXXX # XXXX {$2500.00} XXXX/XXXX  # XXXX {$2900.00} XXXX/XXXX  # XXXX {$500.00} XXXX/XXXX XXXX # XXXX {$8800.00} XXXX/XXXX  # XXXX {$400.00} COLLECTIONS  # XXXX {$270.00} COLLECTIONS # XXXX {$90.00} COLLECTIONS # XXXX {$36.00} EQUIFAX : XXXX XXXX XXXX XXXX # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1400.00} XXXX XXXX # XXXX {$920.00} XXXX/XXXX XXXX # XXXX {$8800.00} XXXX  : XXXX XXXX XXXX XXXX XXXX # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1400.00} XXXX # XXXX {$920.00} XXXX/XXXX  XXXX  # XXXX {$8800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Concentric Receivables Management, Ltd.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Request validation of this debt. I do not believe I owe this creditor. Initial bill sent to wrong address due to their error. Conflicting amounts allegedly owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XXXX XX/XX/2020 ( 4 days ) I have been trying to reach Chase Bank Mortgage Services to no avail. During this " Corona-Virus '' crisis, I have been laid off and in need of mortgage deferment. Getting in touch with Chase Bank has been an even bigger nightmare. They have effectively made it impossible to get help. Every day ( if you can get through without having your call dropped ) they have a 12-Hour plus hold times. If I fail to make my payments, I am 100 % certain Chase Bank will penalize me. If Chase does not take their own telephone calls, should they too not be held responsible or penalized? Just to be clear, going to local Chase Bank Branch does absolutely nothing, they can not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: BANK OF THE WEST
State: CA
Product: Other financial service
Sub-product: Check cashing
Issue: Customer service/Customer relations

Complaint:
I attempted to cash a check from an employer at my local Bank of the West. After waiting for an unreasonable amount of time and being treated as though I had done something wrong ( like they suspected I stole the check ) I polity asked what the issue was? I was then told that they did not believe the signature was legit and they refused to cash it ... Essentially accusing me of being a criminal. I suspect at this point, I am being XXXX profiled and I take offense to it as any one would. However I kept my cool and asked to speak to the manager on duty.She confirmed that they will not cash the check, so I told her that I was unaware that the bank hires hand writing annalists. This sarcasm was met with out right hostility. At this point I just wanted my money so I requested she called the number that they had on file and maybe my employer will answer a number he did n't recognize. To my surprise he picks up and confirms that he wrote a check to me for {$500.00} the day before, and instructs the bank manager to pay me my money. This is when she steps whey out of bounds and insists that he give her the check number, which of course he does n't have in his hand because he is away from his check book at the moment. Now she begins to give my employer a massive attitude and tells him she does n't have to cash the check and she " Is doing him a favor '' .... At this point I tell her she is n't doing anyone any favors. In fact it is her job that she is refusing to do and I suspect that this whole debacle is fueled by some XXXX predecease on her behalf. She responded by telling me to get out of the bank and threatens me with calling the police. I realized things were getting way out of hand so I left, taking her business card and promising her that I will follow up with a complaint. I am not looking for any sort of financial compensation. I just want the satisfaction of knowing that I put in a complaint that will have consequences.It is unacceptable and humiliating to be accused of being a criminal based on XXXX my XXXX. I would appreciate any help in resolving this matter. 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 explanation
Consumer complaint received 2016-06-23
Company: AFNI INC.
State: CA
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:
Hello, i have XXXX collection agencies that are currently attempting to collect a delinquent debt amount which i do not agree with, furthermore these collection agencies have yet to disclose information that I requested such as proof of being a collection agency that can operate in California and proof of the contract of the actual debt, accounts recievable that shows the actual amount of debt to be collected and what attributes to these amounts. I do not agree with the amounts, for I think they are innacurrate and these collection agencies have yet to provide proof. 

XXXX Collection agency name : AFNI. 
Collecting {$160.00} on behalf of XXXX for a service or product I never recieved. I do not live at that location, address and do not recall ordering that service or recieving that service. For this reason I want proof, document stating where the debt originates from, the actual line items on a bill, etc. 

XXXX COLLECTION AGENCY NAME.XXXX FL | XXXX XXXX Claiming that I owe {$400.00} for a early termination with XXXX, yet WHEN i called they can only see that {$200.00} was the fee applied for early termination, and they are not certain of where the other {$200.00} in debt came from. This is wrong, and I need once again proof that this debt is accurate by reviewing a document that they recieved from XXXX stating that my delinquent amount will be now collected by XXXX. 

Please do investigate these XXXX companies to see if they have the license to operate as a collection agency in california, and to make them provide proof of my debts and what attributes to the overall debt needing to be paid off. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
debt was written off XXXX XXXX 2000 XXXX years ag0. resurgent capital servives now trying to collect.XXXX year statute in California..do I need to pursue legal action to get this stopped?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NE
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:
FCO Collections ( Fair Collections and Outsourcing ) has recently started harassing my ex-roommate and I about a bill we apparently have from when we moved out a year and half ago. Up until this point, we were told there was no outstanding bill. FCO refuses to validate the account ( a consumer right. ) A man by the name of XXXX XXXX is degrading, harassing, and threatening. He 's lied to us and bullied us every time we speak on the phone. He refuses to send documents and his only response is " This is n't about me, this is your responsibility. '' We have no clue if this bill is substantiated and they wo n't work with us unless we have payment. My roommate set up a payment plan because he told us initially that we had until XXXX XXXX to figure this out and today he called and said that he was reporting it right away. He wo n't let us talk and interrupts us every time we try to ask questions. He has attacked us from the very moment he started calling.

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 2021-03-17
Company: EQUIFAX, INC.
State: VA
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:
The issue with XXXX XXXX still remain on my credit report. With the provided evidence that shows the account was reopened in XXXX was on all three of the credit bureau reports. XXXX removed XXXX immediately due to the fraudulent reopening of the account. I ask that Equifax remove XXXX XXXX XXXX off my credit report because of the account reopening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: SLM CORPORATION
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Sallie Mae called third parties that had nothing to do with the loan and was not on the loan paperwork. My spouces ex wife and their children, etc.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation