BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-01
Company: Ragan & Ragan, PC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received notice from Ragan and Ragan regarding a debt that I did not recognize and filed an identity theft case with FTC on the identity theft website and sent a letter of validation to Ragan & Ragan on XX/XX/2022. On XX/XX/2022 they requested a default judgment and did not comply with my letter within 5 days and continued to collect the debt and sue me. I did not receive any validation so I sent a second letter of validation dated XX/XX/2022 and specifically stated that they should send me everything in writing and to stop all phone calls. Ragan & Ragan continued with the case and filed for a summary judgment on XX/XX/2022. On XX/XX/2022 they continued to call my phone and left a voicemail message to call them which violated my cease and desist letter regarding phone calls. On XX/XX/2022 I received a notification from Ragan and Ragan which included information about the debt which I disagree with so I filed an objection to the summary judgment on XX/XX/2022 and oral arguments will be heard on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Midland Credit Management no less than 3 times requesting validation of the collection they are reporting on my credit file. I have requested the following from Midland Credit Management : 1. Copy of the original contract baring my signature that I actually signed on for this debt. 2. Payment history from the original creditor that shows my payment history. 3. Name and address of the original creditor and last Proof that Midland Credit Management either owns or have been assigned this debt to collect. Midland Credit Management has failed to provide this information and continues to report inaccurate information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
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: Account status incorrect

Complaint:
I moved into an apartment complex by the name of XXXX XXXX apartments. At the time they had just becomes the new management company and had a new onsight manager. When I moved in there was never a walk-through. The new manager charged me for things that were wrong with the apartment before I even moved in. The reason why I moved out is because there was never any hot water and I had XXXX small children. Anytime I needed something fixed they never put in work orders for paper trail. They went through a handful of maintenance and managers that didnt know what was going on. I tried to explain to the manager that there was never a walk-through and she was new and didnt try to help. She added incorrect information and billed me for it. Now Im trying to take care of this. There is no way they can produce a walk-through. I feel that they need to go back to their records and remove Or delete it from my credit. Its been affecting me for the last 5 years negatively and its time the properly acknowledged their incorrect information! Either they provide a walk-through with my signed signature with damages that were or were not done XXXX which they can not because there was never one in place ) or remove it from my report immediately! 


I dont have paperwork because its been years but I can provide some of the names I do remember. The manager that moved me in and knows things were already damaged was XXXX XXXX. I cant remember the in between names but it ended with a manager by the name of XXXX! Essentially shes the one that incorrectly charged me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As per my complaint, I have reasons to believe that there has been a gross misappropriation of funds that corresponds to my mortgage with Seterus Incorporate,  the loan servicer of my loan. It has come to my attention that a certain portion on my monthly payment can not be accounted for and no explanation of its escrow pay out can not be provided. 
My monthly payment of {$1300.00} has roughly been the same give and take a few dollars depending on escrow analysis, taking into account fluctuations in insurance, taxes, and PMI payments. My principal payment is {$190.00} and interest payment os {$620.00} Currently my taxes through XXXX XXXX  is {$1300.00} per year, taxes {$1000.00} per year, and PMI {$47.00} per month. My total monthly payment should be {$1000.00}. This has been going on for quite a few years and I am yet to receive an explanation or a statement which shows where my escrow payment have been going. I have reached out to Seterus and I have just been transferred from department to department, and as with every department, no one can account for this discrepancy. All these figures can be furnished at your request. I simply have not been able to get anywhere with this company. 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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX Account # XXXX has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-06-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My Equifax credit information was released to XXXX, even though my Equifax credit report should of had a security freeze on it. From my knowledge when your credit report is froze no information should be obtained until I unlock it. This goes against my personal rights to freeze my consumer report from 3rd party consumers. 

I also had issues with personal information being leaked in XXXX and XXXX of 2021 and had suspicion of my information being used to obtain credit. 

I have contacted Equifax on several attempts to validate records and verify inaccurate accounts and inquires found on my credit report. I have yet to receive a response and it's been 45+ days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: Ray Klein, 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: Account information incorrect

Complaint:
there is an account on my credit i do not have any info about and they say i paid 49 percent of the debt by i never paid ever. it keeps refreshing changing hands of collection agencies and the dates and balances are all wrong and they keep going up how by law they can not keep incurring intrest after placed in collections. the company is Prof Credt and the original creditor is XXXX XXXX XXXX XXXX Opened XXXX XXXX, 2014 -

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: Navient Solutions, LLC.
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: Old information reappears or never goes away

Complaint:
Charged off accounts # XXXX and # XXXX from Navient should be removed from my credit report. The accounts are over 10 years old. I honestly had no idea what I was signing for when I was told by the college to sign up for financial aide. I did not know they were private student loans. There was not full disclosure. Please help me have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 section 602 states that I have a right to privacy.

15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 section 602 states that I have a right to privacy.

15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-10-23
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My local tax collector says that my real estate taxes were not paid from my escrow at Freedom Mortgage. Freedom Mortgage says they have been paid. I have been trying for the last two months to get evidence of this payment from Freedom Mortgage and each time I try to do so I get a different story. The latest is that since I sold the property they need my request in writing because that is " what their tax department requests. '' However the last call from their tax department was that they would research this and get me a letter stating it has been paid in full. Currently I am over an hour into today 's call and still no resolution.

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 2020-04-23
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Fay Servicing is playing hardball especially during the XXXX. They listed that they are here to help and they are not They're not willing to work with me even though there is over {$100000.00} worth of equity in the home. I have been in this house since 1997. I'm XXXX XXXX XXXX and on a fixed income. In addition, my husband has been deceased for 10 years and they keep listing him on the loan. This has also caused problems for my son who has the same first name but was only XXXX XXXX XXXX in 1997. I simply have been trying to get them to roll the arears on to the back end of the loan so that I can move forward. My monthly pension has been reduced by {$600.00}. I really need help. I'm not trying to get additional money, even though that would help. I ust want to remain in my house. They make the process so difficult. Fay Servicing has requested for me to pay an additional XXXX or XXXX additional dollars a month. If I'm struggling to make the payment now I certainly can't afford to pay any additional monies. My house is scheduled for foreclosure on XX/XX/XXXX. I really would appreciate any help you can give me. Thank you kindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Grain Technology, Inc.
State: TX
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 had been with the Grain Credit card company since XXXX XXXX. Out of nowhere in XXXX of 2022 they ask to verify my identity. I send a picture of my Texas DL and several days later I receive a reply stating that my account is closed because they cant verify me. The company never responds to the consumer. Their system wont allow me to remove my personal information. I am sure this is not the only complaint you have received in regards to this. It seems this has been done to several of their consumers in the last month. This is a very shady business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Weinberg Mediation Group LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On several occasions a person that works for Weinberg Mediation named XXXX XXXX has called my phone and leaves messages regarding helping with litigation for my son. The latest phone call today this person stated in a voice mail, my son 's name, last XXXX of social, complete birthdate and my home address which is not my son 's address. Stating that they were now going to serve the pending litigation to this address. 
I would like these calls to stop and they be held liable for repeating secure private information to me. I have the voice mail saved and will forward upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
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: Account status incorrect

Complaint:
I HAVE SUBMITTED A REQUEST FOR ALL OF THE CREDIT REPORTING AGENCIES TO UPDATE MY CREDIT REPORT INVOLVING THE LOANS THAT I HAD WITH XXXX AND AN AUTO LOAN THAT I HAD WITH XXXX. ALL OF THESE LOANS WERE CONSOLIDATED AND SHOULD HAVE BEEN CLOSED AND XXXX SHOULD HAVE BEEN CLOSED AS THE CREDITOR CLOSED THE ACCOUNT AND SENT ME THE TITLE. I FILED A COMPLAINT ON XXXX AND WAS ADVISED THAT ALL OF THE CREDIT REPORTING AGENCIES HAD BEEN ADVISED AND REQUESTED TO UPDATE THE INFO AS OF XXXX 2016. I  REVIEWED MY CREDIT REPORT AND AM STILL SHOWING AT LEAST XXXX OF THESE ACCOUNTS STILL REPORTING AND OPEN. THIS IS MY FINAL REQUEST AS ALL OF THE ACCOUNTS WITH XXXX HAVE BEEN CONSOLIDATED THROUGH NAVIENT. THIS IS AFFECTING MY CREDIT SCORE AND I WAS ADVISED WHEN I CALLED THAT THIS HAD BEEN DONE. I AM BEYOND AGITATED WITH TRANSUNION AS WELL AS XXXX. THERE ARE INQUIRIES THAT I HAVE NOT DONE AND THE ONLY THING THAT SHOULD BE ON ALL OF MY CREDIT REPORTS SHOULD BE XXXX AND XXXX CARD INQUIRIES. EVERYTHING THAT SHOULD HAVE BEEN DONE HAS NOT BEEN DONE AND IS STILL NOT DONE. I HAVE FILED A POLICE REPORT AND HAD BEEN A VICTIM OF IDENTITY THEFT. I RECEIVED A REPORT FROM TRANSUNION AND IT IS STILL SHOWING THESE ACCOUNTS OPEN WITH BALANCES. THIS IS AFFECTING ME TREMENDOUSLY AND IS CAUSING ALOT OF ANGUISH IN MY LIFE. ALL OF THESE CREDIT REPORTING AGENCIES SHOULD UPDATE THE INQUIRIES, ACCOUNT INFO, ETC. I HAVE SUBMITTED THESE REQUESTS SEVERAL TIMES AND HAVE EVEN CONTACTED TRANSUNION, ATTEMPTED TO CONTACTED XXXX AND XXXX ( HAD THE ISSUE PARTIALLY RESOLVED )

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 2022-05-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states as a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-05-01
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:
In accurate information on my credit report. Accounts below are not my. FTC volition. 

XXXX XXXX  XXXX open XX/XX/XXXX amount {$750.00} XXXX XXXX open XX/XX/XXXX amount {$700.00XXXX XXXX XXXX XXXX  open XX/XX/XXXX amount {$1100.00} XXXX XXXX open XX/XX/XXXX amount {$5100.00} XXXXXXXX XXXX XXXX open XX/XX/XXXX amount {$300.00} XXXX XXXX  open XX/XX/XXXX amount {$0.00} XXXX XXXX XXXX  open XX/XX/XXXX amount {$470.00}

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 non-monetary relief
Consumer complaint received 2021-06-16
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hi, this is the second time I am getting charged interest incorrectly. I fully paid every promotional balance due and am still getting charged interest. I need the credit card company to remove this from my account immediately. 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 2021-12-08
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date- XX/XX/2021 amounts- {$70.00} actions that were taken by you or the company- Company has sent multiple letters requesting payment in response to money owed from XXXX. ( which is non-existent debt after speaking with XXXX  customer service )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Tuesday, XX/XX/XXXX I stopped by the Chase bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. I made a cash deposit of {$2200.00} at an ATM in the bank itself. The line had been long at the time and an employee at the bank had told me that I could use the ATMs to deposit large funds. The denomination of the funds were in XXXX XXXX XXXX dollar bills. As I placed the cash in the machine, the slot closed and the machine started to whir as if it were counting the money. However, the ATM printed out an error receipt and told me to speak to someone immediately and call the claims number. I immediately showed a woman working at the bank my issue and she escorted me to someone working at a desk and told me to sign my name. In the meantime, she helped me with my second deposit at an ATM terminal next to the one that had given me an error. At the second ATM, she deposited for me {$3800.00} in XXXX XXXX XXXX dollar bills. I followed both directions listed on the receipt and called the claims department and spoke to the employees at the bank. The claims department told me they would send me provisional funds equaling the amount that I attempted to deposit and follow up with an email. I did not hear from anyone in two and a half weeks until I noticed that my funds were removed from my account on Friday, XX/XX/XXXX. I followed up with several calls to the customer service department, claims department and a few individuals from the Claims escalation department. I was told the same thing, that they had concluded an investigation and checked twice but did not find my funds. This seems unfair as I had clearly made a deposit and one of the workers at the branch had seen me do so. I was not informed about the claims process and what it would entail along with the seriousness of the investigation otherwise I would have tried to gather more evidence. Instead, I was assured that everything would resolve itself. I had called several times on XX/XX/XXXX and XX/XX/XXXX about the issue and the customer service representatives had not informed me that the investigation was still in progress, a representative had told me that the provisional funds provided at the time were there to stay. On her words, I had dismissed the situation and thought it to be resolved so I had thrown away the receipt and moved on. On XX/XX/XXXX, I had visited the branch location to speak to someone who could help explain the situation but no one resolved my issue. In fairness, Chase had sent emails to me about the investigation to my primary email but the emails were tucked away in a junk folder. But the dismissiveness by some of the representatives proved to be jarring. I provided a time and date of my deposit to the employees at the branch but was told, at one point, by an employee that they had not investigated my deposit but rather another customer 's issue from XXXX.

Company response to consumer: Closed with monetary relief