BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-22
Company: SYNCHRONY FINANCIAL
State: FL
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:
On XX/XX/XXXX I applied for a business loan at XXXX XXXX  the bank pull up my credit report and declined the loan because I had 3 negative items, that were reporting charged off collections, I was so frustrated because I paid all this accounts on XXXX. My wife registered me at XXXX XXXX  a company that repairs credits in order to accelerate the process because I have paid in full letters from the 3 creditors XXXXl XXXX, Care Credit and XXXX XXXXXXXX XXXX, it has been six months already sending back and force documents to the credit bureaus disputing the accounts, calling the creditors and the only Credit Bureau that deleted this 3 accounts was XXXX on XX/XX/XXXX. XXXX  and XXXX are still reporting inaccurate information, it make no sense that the same 3 accounts were deleted and removed on XXXX report and the same 3 accounts appears still on XXXX and XXXX having them the same paid in full letters that we send to XXXX. Please I don't know what else to do. My wife has been paying since XXXX {$120.00} to XXXX XXXX, {$24.00} to each credit bureau to check the status on the disputes has been 6 months already 180 days, we are struggling with this issue, I do not understand how the 3 credit bureaus has listed the same 3 accounts information with different status. Please help us resolve this problem that as US Citizens we follow the law by paying this accounts in full and as of today it is hurting my credit report with inaccurate information,.

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 2018-11-07
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In reference to the previous complaint ACCOUNT INFO LOAN NUMBER : XXXX CASE NUMBER : XXXX REFERENCE : XXXX Mr. Cooper has now tried to steal the {$130.00} from me that they overpaid to HUD for PMI. 

As noted in my previous complaint, Mr. Cooper overpaid HUD by sending them a payment for PMI for XX/XX/2018 that had previously been paid by my previous mortgage company XXXX XXXX XXXX XXXX. As noted in a letter sent by Mr. Cooper on XX/XX/2018 in response to that complaint, they acknowledged that they made said error along with an erroneous payment to my insurance company. 
Fast forward to today, XX/XX/2018, and Mr. Cooper has sent me an escrow analysis claiming that I am short by {$130.00} and that I need to pay the shortage or have my monthly mortgage payment increased to cover the shortage. 

This is obvious fraud, as the shortage is caused by their taking MY money out of escrow and sending it to HUD erroneously. It is not MY responsibility to cover a shortage that they made. I paid my money correctly, they mismanaged it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TD BANK US HOLDING COMPANY
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:
After closely reviewing my credit reports, I have established that Raymour & Flanigan ( R & F ) is reporting inaccurate information regarding the account listed in the attachments. Dates, balances, etc are inconsistent across the 3 major credit report agencies. 

On XX/XX/2022, I sent a letter putting R & F a notice that the are furnishing inaccurate information. They are in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681s-2 ( a ) ( b ) ( i ) ( ii ) which mean they can not report this account any longer. All information has to be validated, verified, and agreed upon by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Summary Description of my claim with CFPB with respect to improper behavior by CACH LLC and its assignees. 

CACH LLC XXXX XXXX XXXX XXXX SC XXXX Despite a dispute being filed with XXXX  and XXXX nearly 13 months ago ( XX/XX/XXXX ) due to the appearance of a record with an account number, amount and date that do not match any records that I have, this party ( CACH LLC ) continues to refresh this entry on my report and pursue collection activities ( letters through XX/XX/XXXX ) without acknowledging my dispute, providing any of the documentation required to validate their claim, or their right to pursue it as prescribed in previous rulings and consent orders handed down by CFPB to CACH LLC and affiliates for similar behavior. 

For more than 12 months since the dispute was documented with the credit reporting agencies, CACH LLC and its assignees continue to assert their claim in communications to me while neither acknowledging my dispute nor making any attempt to prove the validity and accuracy of this claim and their right to pursue it. This is a clear disregard of their obligations as defined in FDCPA and FCRA.

1 ) Section 807 ( 2 ) ( A ) of the FDCPA, 15 U.S.C. 1692e ( 2 ) ( A ) specifically prohibits the false representations of the character, amount, or legal status of any debt.

2 ) Section 807 ( 8 ) of the FDCPA, 15 U.S.C. 1692e ( 8 ) specifically prohibits the false, deceptive, or misleading representation of information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed CACH LLC and their representatives blatantly ignore these guidelines, as they have done so many times before, in order to blindly pursue payment on a claim I do not recognize and that they refuse to properly document for origin, amount, validity or even dispute status. Yet, they keep contacting me and updating this undefined negative collection item on my credit reports, presumably to force a nuisance pay-off, or me to deal with them. Which I am doing now through this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to DELETE these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2018-11-07
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017, this company sent me a letter collecting XXXX. On XX/XX/2017. I requested information about this debt. On XX/XX/2017 they sent me a copy of a lease for an apartment rental at a community by the name of " XXXX XXXX XXXX ''. The balance at move out was at {$340.00}. I had given a deposit of {$600.00}. This means that they were supposed to give me back the difference : {$600.00} - {$340.00} = XXXX. Instead, XXXX XXXX XXXXXXXX added the following fees : {$120.00} Kitchen counter top refinishing. I paid XXXX out of my ocket to do this before I moved out, so they didnt have to do this and don't have an invoice showing they did. They added {$170.00} Master tub refinishing. They don't have an invoice for this. The tub was sparkling clean before I moved. They added {$1200.00} for moving out a month before lease expired. I notified them 90 days prior to moving that I purchased a home. They also added {$390.00} for 34 months left of carpet use, when I also hired a company to clean the carpet two days before moving out. Adding up {$340.00} Balance at move out, why?, plus {$1900.00} additional charges = {$2300.00} minus my XXXX deposit they claim I owe {$1700.00}. So I sent a letter to Ideal Collection Services requesting an investigation of those charges and instead of responding to me, they waited exactly two years to report this account to my credit report. Damaging my impecable credit which was at XXXX credit score to XXXX thanks to their negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-07-10
Company: KLS Financial Services, Inc
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After I got in a car accident, I went to XXXX  to check if I had XXXX  my XXXX. The doctor there was unable to determine if I had XXXX  my XXXX, so I ended up having to go to a different doctor who was actually knowledgeable and competent. In addition to the doctor being incompetent, the front desk receptionist did not process my health insurance ( even though I double checked to make sure she did make a copy of my insurance cards, she ended up not processing it since XXXX is a terrible company with incompetent staff ). Therefore XXXX  processed me like I was uninsured and instead of listening when I called their customer service, they sent the debt collection company, KLS FINANCIAL SERVICES, after me. I worked with my insurance company and XXXX and paid the debt. KLS FINANCIAL SERVICES stopped sending me letters once I paid my debt. However, recently in the past two months, KLS FINANCIAL SERVICES has started calling and texting me. The company refuses to give me any paperwork, yet still calls me. I paid my debt, the debt collection should be marked as closed, and the debt collection company is not sending me any paperwork YET they are still harassing me via phone calls! I filed a dispute with XXXX, hoping that KLS FINANCIAL SERVICES would realize their error yet they are still calling me and refusing to provide any paperwork. In summary, the debt has been paid, KLS FINANCIAL SERVICES has not sent me any paperwork since I paid the debt, but still calls and harasses me. It is disgusting that a mistake by a receptionist a year ago is still causing problems for me today, KLS FINANCIAL SERVICES needs to stop contacting me and mark the collection as closed as the debt has been paid.

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 2018-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX ON IS REPORTING ACCOUNT ERRONEOUSLY I HAVE SPENT XXXX SO FAR TRYING TO GET THIS OFF MY REPORTS

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 2023-01-31
Company: EQUIFAX, INC.
State: MD
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 provided below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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

15 U.S.C 1681S2. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1692C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1692B. Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 U.S.C 1692D. Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Privacy violations.

Abusive of power and abusive of incorrectly reporting.

Requesting a credit report for an impermissible purpose.

Failing to follow proper debt dispute procedures.

Furnishing and reporting old information.

Furnishing and reporting inaccurate information. 

Multiples accounts reported on all 3 bureau XXXX. XXXX. EQUIFAX are incorrectly reported mixed dates and amounts, lates, derogatory and dates closed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: NY
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:
XXXX ) In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : the account in question is XXXX XXXX XXXX XXXX XXXX XXXX Reporting to ( XXXX XXXX Equifax ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Equifax ), XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX ( XXXX Equifax ) in accordance to XXXX U.S.C XXXX section XXXX A. States I have the right to privacy and XXXX U.S.C XXXX Section XXXX A Section XXXX states that a consumer reporting agency can not furnish an account without my written instructions and was not authorized by me. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all agreed to remove the late payments from y credit report and remove their accounts from my credit report. XXXX ) I HAVE NOT BEEN SUPPLIED PROOF UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS I request that these late payments and accounts be removed from my reports. Asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was solicited by mail by Synchrony Bank to open a XXXX. Terms say on envelope and on enclosed document if I purchase {$1000.00} with the card within 3 months I would get a statement credit of {$100.00}. 

I purchased approximately {$1600.00} within the first couple of weeks after I received the card. The bill came via email to pay online. When I looked at the statement there was no {$100.00} credit which is usual for other cards I have which gave similar incentives. I did pay the bill in full. 

I called the company and was told by a representative that I would not receive the {$100.00} until 5 MONTHS from now. That the 3 month period would have to pass and then it would take 1-2 months to process the credit. He claims this is what their terms say. It does not. It says credit applied within 3 billing cycles. Well, this is within 3 billing cycles. Not much of an incentive to use the card any more.

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 2018-11-08
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I currently owe over {$130000.00} in student loan debt, {$44000.00} of this debt is serviced by AES. I am currently 71 days past due with my loans with AES. I have called multiple times monthly asking for repayment options that will lower my current {$400.00} payment. One person told me that I was eligible for a reduced repayment plan for one of my loan packets, that would allow me to pay a lower payment for 1 year. I paid the {$50.00} payment to get that started, but was later told I did not qualify for it. Ive begged and pleaded with AES for options as I want to pay my loans, but I cant afford the monthly payment. I have three other loans companies to pay monthly. Ive written letters to AES for them to forward to the banks, but I was told that my request for longer loan terms was denied. This is depressing, as I feel I have no way out of this debt. Each time I call Im given the run around. I just paid a payment and it looks like it only took 20 days off, oppose to a full month. This is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
FedLoan Servicing has terrible customer service. Every rep I have been in contact with over the last 10 years has been rude and incompetent. Every rep gives different information and I was forced to go into deferment for 6 months when they should have given me the option to lower payments. Also, a customer service rep told me over the phone that the parent plus loan was not eligible for PSLF. Because of this inaccurate information, I have lost 6 years of payments that could have been eligible for forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX yo XXXX woman XXXX XXXX XXXX who is CONFIRMED successor- in-interest with a completed Family Loan Transfer package who has successfully completed a Trial Loan Modification in XXXX of 2022. My family has lived in this home for XXXX YEARS. 

I continued making payments while waiting for what I thought was an official trust deed from PHH Mortgage Services. 

To my utter dismay my XX/XX/2022 payment was returned and the permanent Loan Mod was denied for a technical error in my paperwork! 

XXXX claims they could not read XXXX of my documents and that my homeowners policy was expired. However I have had the same policy with XXXX in my name for 5 years and all they needed to do was look in the file. It was current. 

So the Ombudsman XXXX XXXX told me she wishes she could reverse the decision but she could not - ( which is ridiculous- what good is an Ombudsman who has no power to correct wrongdoing? ) and to REAPPLY for another Loan Mod which I did in XX/XX/2022. 

Which i have been informed has just been denied as of XX/XX/2022! 

So now for the supposed lack of XXXX pieces of paper which were actually sent XXXX Mortgage is committed to stealing my familys home of 55 years and stealing our generational wealth. 

XXXX Mortgage a services employees are drones who have no soul.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$47000.00} ; XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX Balance : {$360.00}

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