BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-19
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I applied and was approved for the Speedway Mastercard by Fleetcor for my XXXX XXXX XXXX XXXX  in early XXXX of XXXX. This card was a gas AND maintenance card. From the time I was approved there were nothing but problems. First I was sent Gas only cards. Then I was sent several Gas & Maintenance cards, but they never worked for anything but gas. I called the first time I tried to use the card at XXXX for an oil change, but it would not go through. I spent over two hours on the phone with them including with their corporate office trying to fix the problem until I finally paid with another card. This happened repeatedly at XXXX and XXXX where I had to pay with another card for car maintenance items after attempting ( and failing ) to have the issue fixed on the phone on site with fFeetcor. I would email Fleetcor after each incident and told it was only to go to another store and have the card not work. So they have been well aware of the issue and have lied about fixing it. 

After informing them of the laws stating that I did not have to pay the amount that was in dispute, I was greeted with childish behavior. I called and was told to call back to speak to people who didn't exist and was accused of being a liar when I repeated when I stated what I had been told on the previous phone calls and in emails. 

Fleetcor has falsely reported this account to XXXX and XXXX. I contacted them before typing this complaint and my score is not where it should be ONLY due to this account 's incorrect reporting. I have disputed it twice, only for Fleetcor to " verify '' it, knowing that the amount they are reporting is in dispute and refusing to communicate with me to fix it. 

I am not the only person Fleetcor has done this to, which is why they were sued by the Federal Trade Commission for this and other unfair or deceptive acts in 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
Consumer complaint received 2023-02-09
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for the PSLF program, the hospital I worked at for 5 years that qualifies has closed down. I called Mohela to see how I can verify that I worked there and they only would accept W2 from XXXX, which I no longer have. The IRS also no longer has those records on file. They are completely unwilling to work with me on finding a solution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
( XXXX ) Submitted consolidation paperwork XX/XX/XXXX, borrower doc information above. XX/XX/XXXX spoke to XXXX because accounts were removed from the Mohlea account prior to consolidation being complete. Tried to speak with supervisor-transferred and sat on hold for an hour. Checked my account consolidation paperwork removed with out my permission. Spoke to XXXX or XXXX he tried to get a supervisor and call dropped.HE NVER CALLED ME BACK EVEN THOUGH I GAVE HIM PERMISSION TO CALL ME BACK. I've been waiting since XX/XX/XXXX for my consolidation to take place for Mohlea to delete my paperwork after I waited 90 days for it to be processed and there were two accounts removed without my consolidation being completed. Whenever I call, I'm kept on hold excessively without being able to speak with a supervisor or processor. The tag line in parentheses is proof the information was not only submitted BUT IT WAS SUBMITTED prior to XX/XX/XXXX which was the last day for consolidation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am writing because of difficulties accessing the Public Service Loan Forgiveness program. I am currently a post-doc at XXXX and have been since XXXX. In XXXX, I sent in a PSLF verification form but received no response. In addition, my loans were not transferred from XXXX XXXX to XXXX  as required. This year, in early XXXX, I again sent in my PSLF verification, both by fax and by letter. I have again received no response. The PSLF form is correctly filled out : it was filled out by XXXX, whose HR department knows the requirements and explicitly confirmed in email she properly signed the document. 
I worry the continuing non-response will jeopardize my ability to participate in the program. Without being part of XXXX or MOHELA, I can not track the status of my PSLF applications or receive feedback concerning whether they have been accepted. I have other, older PSLF forms ready from earlier in my career but I do not want to fax and mail more documents that get me no closer to my goal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I request an investigation from the TransUnion company for the violation of the laws, US Court of Appeals, XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX. By XXXX, financial Injury. 
Protection under the FCRA, FCRA Section 623. 
Injury to your credit report and credit score, FCRA Section 604 ( A ) ( 3 ). 
The Credit bureaus, " TransUnion '', refuse to correct information after being provided proof of inaccuracy, Defamation, willful injury, FCRA Section XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX No. XXXX ). 
I gave them all the original information of the companies, TransUnion did not take my letters seriously and did not respond adequately to my claims, only responses by automated mail response systems. TransUnion refuse to correct information after being provided proof of inaccuracy. This is a violation of the " FCRA Section 623 '' law. 
As the FCRA and TransUnion do not respect the law and I have deleted the Claims- '' justifying that there is a duplication '' - that I write on your site, I sent a copy to the Attorney General of Florida to take over the violations of the FCRA and TransUnion . 
You have never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. 
the case of US Dept of Education, I sent them the letter I received from the department of education when I complained about the information and the status of my account. 
I have all the original documents, and I gave them a copy of them, and there is no record of that debt in my student account, and the documents explain the total payment of my {$270.00} account. 
Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or 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 2023-02-12
Company: CCF Intermediate Holdings LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Basically I applied for a personal loan and my information was shared with unidentified parties. I started receiving phone calls and emails which I was skeptical about the emails. When I received the phone call the guy on the phone sounded like he knew my information already and said I was approved for the loan. He then sent me an email with a contract attached and asked me to respond to the email stating I agree with the terms. I know usually you have to sign the document but it was already to late because I sent my license and social security photos along with an i-9n Document to prove my identity for the loan. At this point I don't know what they plan to do but I want to make sure I protect my information.

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 2020-06-16
Company: CITIBANK, N.A.
State: FL
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:
Back in XXXX I took advantage of a balance transfer offer that would end on XX/XX/XXXX. I paid a 3 % balance transfer and it was a 0 % APR interest offer. 

In XXXX I received a notification that I should take advantage of another offer, that would end in XX/XX/XXXX, at 1 % APR, for which it also had a 3 % balance transfer fee. Seeing the opportunity, I transfer some other debt that I had with this offer. 

Come close to XX/XX/XXXX, I noticed that my payments were not reducing the amount for the offer that was going to be finished in XX/XX/XXXX, I even made a huge payment to remove the balance for that debt, but it was applied to the offer that would end in XXXX. 

Now in XX/XX/XXXX, the offer for XXXX is already paid off, but the one for XXXX is going to accrue interest because not much was applied to this balance. 

I requested them to go and apply my big payment to the account saying that it does not make sense to apply it to something that was going to expire in XXXX. 

In other credit services, there is a way for the consumer to choose how balances are applied because set rules are not always the best for the customer, and at least you let the customer make the mistake, but it is not fair that the financial institution sets you up with an offer, misguide you on how the payments are made and trow your financial planning out of the window in order to collect additional interest. 

I understand that the payment order was on the agreement, but that is something not easily understood and you would have think the Financial Institution was better at common sense.

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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX & TRANSUNION LLC are willfully neglecting and non compliant and continues to furnish Previously Disputed account items for inaccurate inconsistent unauthorized information on my Consumer Report. 2 US DEPARTMENT OF EDUCATION accounts begin in COLLECTIONS then Falsely OPEN showing {$0.00} PAYMENT RECEIVED yet CURRENT ; PAID or PAYING as AGREED. WHICH IS INACCURATE FALSE INFORMATION. ALSO SHOWS INACCURATE INCONSISTENT BALANCES, DATES OPENED & DATES UPDATED ON SEPARATE FILES SENT VERIFIED AS ACCURATE DISPUTED ITEMS ON THE SAME DATE. XX/XX/2023 Congress STATES the OBLIGATION for 100 % ACCURACY, PRIVACY and EXCLUSIONS FROM CONSUMER 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 non-monetary relief
Consumer complaint received 2022-12-21
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
Background Information : My father, a XXXXXXXX XXXX, had a reverse mortgage through PHH Mortgage. He died XX/XX/XXXX from XXXX  XXXX. My Mom fought through endometrial XXXX and XXXX XXXX in XXXX while my father fought and lost his fight from XXXX  XXXX. In XX/XX/XXXX, my Moms endometrial XXXX returned. My sister and I became her power of attorney and spoke to PHH Mortgage in XX/XX/XXXX. We explained that our Mom was traveling back in forth from the home that she shared with my father in XXXX, SC ( property with reverse mortgage ) to where we both stayed in XXXX XXXX, SC. PHH Mortgage explained that we needed to send a letter from her doctor along with the power of attorney. We emailed all of this information along with our names and contact information on XX/XX/XXXX. My Mom was labeled terminal in XX/XX/XXXX and died XX/XX/XXXX. Both my sister and I are trustees of her estate. My sister was contacted on XX/XX/XXXX on XXXX by an attorney who notified us that she was contacting us on behalf of the buyer of the foreclosure sale of our parents property in XXXX, SC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX on XX/XX/XXXX. 

Complaint : 1. There was no communication to us ( either my sister or I, both of us were listed on the power of attorney ) even after the power of attorney was sent.

2. PHH Mortgage used improper communication and incorrect foreclosure process according to SC code XXXX. 
In the instance of an execution to a sheriff in which personal property must be seized and sold in a judicial sale, the procedure and terms of the sale are dictated by another set of rules found at 15-39-610, et seq. Where the sheriff is responsible for the execution, he must specify " in an advertisement the property to be sold, the time and place of sale, the name of the owner of the property, and the party at whose suit the sale is to be made. '' ( XXXX ). The advertisement should be published at three public places in the county, one of which should be the courthouse door, and another in a newspaper, for a period of fifteen days prior to the day of sale ( XXXX, XXXX, and XXXX ). Additional particulars of sheriff 's judicial sales are set out in Chapter XXXX, XXXX XXXX, at XXXX, et seq. 
The sale was posted in the newspaper on XX/XX/XXXX with is not 15 days prior to the day of sale. 
Was the sale advertised for three ( 3 ) weeks immediately preceding the date of the sale? 
The sale ( XX/XX/XXXX ) was not advertised for XXXX weeks We feel that these unlawful intentional XXXX disparities have been occurring more in rural/minority controlled areas for a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a medical procedure performed on XXXX XX/XX/XXXX. I was informed that if I paid at check-in I would pay a fixed amount of {$2200.00} and that I would not owe anything else. I paid this amount in full at check-in. 
In XX/XX/XXXX XXXX XXXX XXXX sent me a bill for {$1200.00}. I called and asked what this was for. They responded that they had sent me a refund in error and that the amount that my insurance paid had changed. I asked for them to show me the proof of a refund because I did not see it in my account history. I specifically asked for the date, amount and check number. I asked they they send me the details demonstrating what the insurance company agreed to pay vs what they are now claiming. All they did was send another statement in XX/XX/XXXX. I responded with a letter on XXXX XX/XX/XXXX. XXXX then turned things over to MediCredit. I sent them a letter replying to their request on XXXX XX/XX/XXXX, informing them that they were attempting to collect a wrongful debt and that any proof to the contrary had not been provided. They then sent an itemized hospital bill which showed all hospital charges but not any amounts paid by me nor the insurance company. Not proof of refund or decreased insurance payments. I sent them another letter on XXXX XX/XX/XXXX. They then sent me another bill, this time increasing the amount requested to {$2600.00} ( with no justification for the increase ). I sent them a letter on XXXX XX/XX/XXXX asking them specifically not to contact me further since they have been unable to provide proof. They have sent yet another letter with the same useless hospital bill. I have written XXXX letters in total which will further support the above summary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have stated that these account are not my account but they are still listed on my credit report

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 2022-03-30
Company: Experian Information Solutions 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2020-02-07
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian, XXXX and XXXX have denied my request for my free credit report from XX/XX/XXXX. I have been on Income Driven Repayment plan with XXXX and XXXX XXXX XXXX XXXX since XX/XX/XXXX. All 3 are providing false information and stating I have paid XXXX nothing yet the balance shows going down every month in the defined time span. 
All 3 lie about being able to upload documents that prove they have the wrong information about my name and address. 
They have posted false information about debt in which a creditor lied to the courts in Indiana.

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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 ( FCRA ) these creditors are reporting inaccurate information and have violated my rights for these accounts : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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