BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-09
Company: PRESTIGE FINANCIAL SERVICES 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: Account status incorrect

Complaint:
Prestige Financial has failed to update my credit reports with XXXX, XXXX and XXXX according to the current status of the account. I have paid Prestige current paid as agreed and my credit reports do not reflect this information. As per the data reporting on all 3 reports, Prestige is still showing account listed as delinquent status which is not accurate. I have sent an email to XXXX XXXX of the Representatives at Prestige and her response was she forwarded over my request to update my credit files. I have not heard anything back from the company. 

I have received a statement emailed to my XXXX account reflecting no past due balance and that I am paid up to date. However no reporting was done to reflect I am paying as agreed. 

Statement has been attached for your review as supporting documents. 

As of today my credit reports do not reflect account being in a current paid as agreed status. My account with Prestige is current. 

This false inaccurate information has caused credit denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: CITIBANK, N.A.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've been receiving a call from this phone number for CitiBank every day on my work direct line. It is always an automated call. I tried calling CitiBank. I have never had any affiliation with this company what so ever. It took serious digging to find a number that would put me in touch with a human rather than a machine. They told me I needed to register on the do not call registry. I tried registering my work number with the National do not call registry; however, when verifying, their database picks up our 1-800 number and not my direct line. Therefore, it is impossible to register my direct line with the National do not call registry. They also confirmed I was not the person they had intended to contact, but they could not take my phone number off their call list. I received a call on the following dates and times:

XX/XX/XXXX XXXX
XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX
XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX XX/XX/XXXX XXXX
XX/XX/XXXX XXXX XX/XX/XXXX XXXX
XX/XX/XXXX XXXX

Today is XX/XX/XXXX XXXX.

I've been in touch with the company IT team. They will have to change my phone number because of this issue.

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 2019-10-19
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed the account in the amount of {$1000.00} that I do not owe and I have not received a copy of a bill. Not a contract with my signature, social security or identification attached. Now in their letter they said this is accurate proof which is a lie. In my validation letter I asked the following : 1. Assignment clause 2. Notarized letter of debt purchase 3.Signed contract from original creditor 4.Copy of license to collect in the state of NJ None of this was submitted so they failed to prove 100 % accurate as per fair credit act. Now they are saying it verified but sent me no proof of that. Now they say it has been sold but the original creditor is still having this charged off account reporting and not the new creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently logged on to my account with Green Tree Ditech mortgage servicer and found out that I am being charged for an insurance that I have never had. I have paid for my mortgage principal and interest and do not escrow, as I pay my own insurance and taxes, furthermore I am have about 7 years left and do n't exactly know when and what this insurance is for, I did not call them for an answer as I have not communicated with them for the last 3 years, since I had issues in the past with payments, this is no longer the issue since almost an entire year, I pay biweekly and pay and extra XXXX via automatic payroll deduction. I am filing this complaint because I know something is not right, it should be noted that the deductions do not appear on any paper statements, I only found it buried in the payment history online. Thank You for your assistance in advance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Caliber Home Loans, Inc.
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My original mortgage payment was {$1100.00} and was adjusted to {$1500.00} due to a shortfall in my escrow. It was discovered that Caliber paid taxes on two parcels one ending inXXXX and the other ending in XXXX. Parcel ending in XXXX does not belong to me. It is on record as belonging to me neighbor. Parcel ending in XXXX was paid by Caliber home loans in the amount of XXXX. As a result mortgage was increased to cover the escrow deficit. When I was contacted by Calibers debt collection agency for a late payment I took action to try and have the issue rectified. I had a research request in to remove the tax parcel that I do not own. After about 3 months the parcel was finally removed. Caliber home loans then readjusted my mortgage to {$1200.00}. Caliber home loans stated that I still owe the additional money that was dispersed for the wrong property tax. Every payment I made of the {$1100.00} each month did not cover the billed amount, due to not being the " complete '' amount it was put in a holding account until the entirety was paid of the increased billed amount. Causing me to have late payments every month. Caliber told me that I could dispute the late payments with the credit bureau but they would not adjust my payments to show that I was not late due to the fact that I did not pay their increased billed amount due to their error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: SUN LOAN COMPANY INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account was open in XXXX for emergency use. I wasnt able to pay it back but for 6 years on my credit its been saying closed and there was no increases occurring or any type of negative impact on my credit. The amount I borrowed was not even close to what they are trying to say now. If an account is showing closed for 6 years how is it magically opened and charging now. if closed it should not keep increasing on my credit. That barely started to happen in XX/XX/XXXX. Its being fraudulently opened again increasing and affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital Systems , LLC have two collection account that was open on XXXX XXXX, XXXX and XXXX. XXXX, XXXX. One for the amount of {$460.00} and the other for {$460.00}. 

These account are not mine and Jefferson Capital Systems , LLC are not licensed to collect debt in Texas. I want this company to remove this from my credit report. 

I have already file a dispute with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XX/XX/XXXX : Called Navient to work on a different plan to lower my monthly payment, which shot up from {$170.00} to {$430.00} this month. Was told that there was nothing they could do unless my credit report showed stressed. 

XX/XX/XXXX Called Navient for private loan payoff amount to send to XXXX XXXX for refinancing options. Was told I would receive and email within 24 to 48hrs with this information. 

XX/XX/XXXX Never received the email with private loan payoff information, called Navient back with a fax number to send the info to. Was told they could not fax my information and They would resend an email within 24 to 48hrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was researching my credit report as I do every month and noticed an account from XXXX XXXX. It stated that there was a late account from XXXX XXXX. I called XXXX XXXX and they stated this account was opened in my name in 2014. On top of that is was even prior to my XXXX birthday. I already had this dispute removed with XXXX in the past but for some reason this came up again. I supplied them with my state id, drivers license and birth certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: ALCHRO INC.
State: FL
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:
Consumer paid the account in full and was given a deletion to pay letter from First Federal Credit & Collection. This was paid on XX/XX/2021 and to date it still on consumer report. I'm demanding this account to be taken off IMMEDIATLEY!

Attached below is the letter the consumer received from First Federal Credit & Collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: ORG GC GP Buyer, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
GC Services Limited Partnership, XXXX XXXX XXXX, XXXX, TX XXXX, and myself made an agreement to pay a certain amount of money each month on an open credit card account that was in collection. I have made each payment prior to the due date to ensure that they would not start calling incessantly as they did prior to me answering ( as I do not usually answer numbers I do not know ). I made a payment for the month of XX/XX/XXXX on XX/XX/XXXX ( due date XX/XX/XXXX ). I received a letter from GC Services Limited Partnership dated XX/XX/XXXX titled " NOTICE OF MISSED PAYMENT. '' As I know this was untrue as I never miss this payment, I called them on XX/XX/XXXX. The woman who answered the phone stated that she had record that I had made payment prior to the due date on each occurrence. She stated that she was aware these letters went out and this occurred due to an " upgrade to XXXX XXXX XXXX. '' I never received a follow-up letter from them stating that this was done in error, although the representative clearly stated that they were aware this happened. I also pointed out to her, if the system was printing them in error, the humans that placed them in envelopes should have caught this and thrown the letters out. GC Services is attempting to collect additional payments by sending out these letters by alarming individuals who have made payments on time and per their agreements with GC Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Continental Services Group, Inc. d/b/a ConServe
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I entered the Loan Rehabilitation program with Conserve back in XX/XX/2021 and have been having a very difficult time with the XXXX XXXX XXXX XXXX XXXX XXXX in getting my credit updated. I was promised after going through the Loan Rehabilitation program ( which I successfully have ) that they would be updating my credit, but they haven't done so. I've tried to contact XXXX XXXX XXXX XXXX XXXX XXXX and they are very difficult to get a hold of even after scheduling a phone call with them. I've had a few calls with them and they send me back to Conserve saying it's on them, and then Conserve says it's up to the XXXX XXXX XXXX XXXX XXXX XXXX to update the credit as the loan is back in their hands. I want my Credit updated as they said they would as I've done my part and know they aren't standing their end of the equation of updating my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Trying to opt out of sharing with Capital One Auto Finance and ensure sharing of information is limited as per current law. Started attempting to do this with most recent bill from XXXX XXXX ( XXXX ) where annual privacy policy information was included. 
Have been put on extended holds with Capital One ( no  toll-free number is provided to opt out in a VRU/IVR ; you have to call them. There also is n't an option online to opt-out of sharing ), transferred between departments, and hung up on. 

When I managed to get to a person on XXXX at XXXX, I had to verify I was me by providing my full SSN, then the account number for the auto loan, so they could " find me in their system ''. I was put on hold again, then asked that I had to spell my full name for them. 

If they have both my full SSN, and the auto loan account number, they have all other personal and PII information about me ... my full name & address are on my billing statements, which should then be in their computer systems ... they could n't send out a billing statement without them! I asked for a supervisor to handle my request. 

When a " supervisor '' picked up, a woman named XXXX asked me for my credit card number, told me I was in the wrong division, then transferred me to the auto division 's VRU/IVR, where I had to reverify myself again. I got to a representative ( XXXX? ) who made me re-verify myself with more personal information, and then had no idea I was asking about the annual privacy policy notice, and then suddenly told me I was " taken care of ''. 

I have zero confidence that my Privacy sharing preferences are truly updated, and the only way I could find out is if I waited until their system updates next week and then go through a cycle of calls again. 

It seems like Capital One, especially their Auto Finance business, has gone out of its way to make opting out of sharing ( under the GLB Act regs ) as difficult as possible, especially when compared to other credit card/loan grantors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Over four weeks ago, I found out that Ditech.com reported that I had a late payment XX/XX/XXXX. 
I have called, emailed, spoken with XXXX different people including supervisors. After speaking with XXXX, who was very nice, I was assured I would get a letter from correspondence stating that I never had a late payment XX/XX/XXXX. Today, I got a letter and this is all that it said : " Please be advised that as of today 's date the account is current and next due for XXXX XXXX, XXXX. There are currently no outstanding late fees. " The people over the phone confirmed that I have NEVER had a late payment with and NONE should be showing up on my credit report. 

I have requested a letter from Ditech requesting that in writing and was promised I would received one. It seems like they are purposely trying to ruin my credit rating. 

I am attaching the payment history that was sent to me by Ditech.com, screenshots from their website showing my account history and when my payments were made XX/XX/XXXX and a screen shot from XXXX website showing the false late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Sigue Corp.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
on XX/XX/2021 around XXXX - XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX NY XXXX with XXXX rejected my transaction of money remittance of {$190.00} to XXXX XXXX XXXX . According to male customer representative, his screen is displaying my name, address, and phone number with - Blocked for Remittance. For XX/XX/2021, money remittance has reached {$60000.00}. 
I gave XXXX rep this info : From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX XXXX XXXX I called Police Precint XXXX. Detective asked for screen print with the 'Blocked for Remittance ' message. 

I came back the next day, XX/XX/2021 with XXXX XXXX. XXXX submitted the same transaction of money remittance of {$190.00} to XXXX, and the transaction went through. Confirmation Number = XXXX. Cashier = XXXX What happened next is a conversation, and there is no paper trail. I asked the female customer rep for the screen print - when using my name, address and phone number. But she declined. She called her Main Office, and allowed me to speak with XXXX ( or XXXX ). Main Office was asking for my phone number. And I said I would provide the phone number. Will you allow your lady customer rep here to give me the screen shot? And XXXX would not commit to it. She keeps saying that she has to check their system. After going around the same line of conversation, I decided to leave, without providing my Phone number. That is because, they would not give me the computer screen shot the detective asked to get. Also, providing my phone number may just aggravate the situation. 

Please help in clearing the fraudulent use of my name, address and phone number in XXXX XXXX XXXX. 

According to the receipt XXXX received from his remittance, the company is called XXXX XXXX, XXXX XXXX XXXX, XXXX CA XXXX, with telephone # = XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Eastern Account System of Connecticut , Inc. ,  XXXX .  XXXX   XXXX   XXXX , CT  XXXX  -  XXXX ,  XXXX  (  XXXX  ) AGREED to delete the debt from my credit report upon payment in full on a recorded line.   I did pay the debt in full. It is a medical debt and went to collection when I will still making payments in good faith to the original creditor. I checked today and the debt is marked paid in full and not deleted as agreed. The collection agency has not kept their word to me or made false statements to entice me to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
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 status incorrect

Complaint:
Everything on my report is wrong

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 2017-01-19
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I 've had a mortgage with Ocwen for the past number of years and had fallen behind in my payments. I was making payments but about 30-40 days late. They sent me an unsolicited modification offer that I reviewed and accepted. I followed the directions ; sent in my trial payments ( 3 months ) and, they, then rejected the mod based on a conflict of names on the title and their loan forms ... I sent them a notarized name affidavit which they received on XXXX/XXXX/16. since then, I have been getting run-around with no resolution. 

My home is the only asset that I posses and it seems that, since they returned my modified payment allegedly because the mod was denied, they are now telling me that they have no idea when this will be resolved and that I am now at 109 days in arrears. 

I am hoping that your agency can get me the approval that I need to continue staying in my home ... from all the claims that I 've read against Ocwen I believe that they are looking to get me to the point where I owe too much to catch up and they get to foreclose. I must avoid that from happening

Company response to consumer: Closed
Consumer complaint received 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 follow account and Inquiry information does not belong to me. 

XXXX Account # XXXX Opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$410.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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