BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-08
Company: DISCOVER BANK
State: WA
Product: Credit card
Issue: APR or interest rate

Complaint:
At the beginning of this month, after receiving several offers from Discover Card, I went to the website and applied, using the invitation number on my correspondence. I got approved within minutes and got my card today in the mail. Everything on the paperwork that came with the card is the same as the information that was on the invitation except the APR. The invitation stated that my APR would " be 13.49 % to 16.49 % based on your creditworthiness ''. But my paperwork I got with the actual card, like I already stated everything was the same except this. Today 's APR is 19.49 %. 
I called to try to find out what happened, and I was told that since several invitations had been sent to me, that I apparently used the " wrong invitation number '' when I applied online. 
I am certain that I did not do that. I am certain that I used the paperwork that came with the invitation that had the lower interest rate. I had thrown the other away. 
And in today 's mail, along with the actual card and the paperwork that states a different APR than the invitation did, I got yet another invitation from Discover with the rate of 13.49 % to 16.49 %! 
I was told that I could re-apply, but there was no guarantee that I would be approved this time. 
That kind of seems like a bait and switch. 
I would attach the paperwork I have to prove this, but my printer wants to do a " cloud '' thing, and I do n't know how to do that. I would be willing to make copies, something I do know how to do, and send them to you. 
I have used the card to do a balance transfer as my car broke down and the interest on the card that I had to put it on, is pretty high. The new Discover card has a 0 % APR for the first 14 months. I hope doing this does n't affect my ability to take action against what they have done. 
I will await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report. I received a response stating that the accounts were verified. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. It is obvious that TRANSUNION has violated my consumer rights and not followed METRO 2 compliance and in violation of 15 USC 1681e ( b ).

I am requesting you provide ME ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
Disputed items : XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Per FCRA you are required to provide this information within 15 days or DELETE AND BLOCK the negative items above from my credit report. Also, a copy of this letter has been sent to the CFPB as well.

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXBalance : {$1900.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXXBalance : {$3500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$750.00}

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 2023-09-19
Company: McCarthy, Burgess & Wolff, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am disputing this as erroneous. I was quoted an amount for the insurance premium and paid it in full. After sending the last payment, making XXXX balance due, and after cancelling my insurance as it was no longer needed, XXXX proceeded to harass me with repetitive audits where they kept coming up with new amounts supposedly due and then adjusting the alleged amount due after each new audit. I provided all the necessary information to them yet they kept doing audits and I have contacted them numerous times both by phone and email in attempt to resolve this, but they continued to the point of it being harassing. Then they sent me to collections when I do not owe them anything. I am kindly asking this collection agency to stop sending me bills since I have proof the policy was paid in full and also of cooperating with their harassing, confusing, and unfair audit process. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Calvary SPV I, LLC stating that it was an attempt to collect on a debt and if I didn't notify them in 30 days there office will assume that the debt is valid. I never received products nor services from Calvary SPV I, LLC. I sent Calvary SPV 1, LLC a dispute letter and in that same letter I also asked for them to send me an Insturment of Indebtedness which they have yet to produce, but yet try to collect on a debt in which I have no knowledge of with Calvary SPVI, LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I had a conversation in XXXX of XXXX where I contacted XXXX and XXXX after repeated phone calls. On a recorded line I told them I was willing to set up a payment arrangement to resolve the debt. I was told that there was a garnishment action with an upcoming court date in XXXX XXXX, Virginia and that the court date was for the creditor and judge and I was not authorized to attend the court proceeding. I was told the hearing was not for me and was between the creditor and judge. ( There is a recorded phone call of this and notes from this conversation in their date base ). I was told to call back in XXXX of XXXX and set up a payment arrangement. I called back in XXXX of XXXX and left multiple voicemail messages and did not receive a call back. 

The garnishment suit in XXXX XXXX, Virginia was dismissed. Subsequently. in XXXX of XXXX my account with XXXX XXXX Bank was garnished for {$2300.00} without me having any notice of legal proceedings against me in XXXX, Virginia. I received no notice of a court proceeding. 

They have phone records of the XX/XX/XXXX phone call and notes from this conversation. The notes were read back to me on XX/XX/XXXX by a representative XXXX XXXX. When I raised the legal issues with XXXX XXXX, I was placed on a phone call with an attorney XXXX who I spoke to for over an hour. I was told that under the Virginia code that I didn't have to actually receive notice and that my bank account being garnished was " notice enough ''. I raised the issue of this garnishment action violating my due process rights and was told my due process was not violated. 

When I continued to raise the issue that I would have attended a court hearing in XXXX XXXX, I was told " well this was dismissed '' and it " does not matter. '' My overall point was that I could have resolved this a year ago and not had my bank funds seized as a father of XXXX taking care of XXXX kids. As the call ended, I was told " I am not sweating as much as you think I am. And I hope you are able to have a good day. '' in a very condescending tone. 

This whole matter could have been resolved 10 months ago, the initial case in XXXX XXXX was dismissed. I was provided legal advice by a representative of XXXX and XXXX not to attend a hearing and had my bank account garnished without justification. XXXX and XXXX is a law firm that specializes in legal matters beyond debt collection as displayed on their web site. They provided me legal advice that has created an adverse impact on me.

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 2023-03-27
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: Personal information incorrect

Complaint:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses are XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX  XXXX XXXX XXXX, IL XXXX and lastly there is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. 


I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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

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 2018-11-09
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I pulled my credit report to discover that Rent Recovery Solutions located at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, hereinafter Respondent was reporting information on my credit report which I have no personal knowledge of. 

I have had no prior dealings with the Respondent. 

On XX/XX/XXXX, I delivered a letter via USPS Certified Mail Number XXXX XXXX XXXX XXXX XXXX to the Respondent requesting, in purview of the 15 U.S.C. 1692g, for them to validate their claim of debt against me. 

As of the date of this complaint the Respondent has not presented any factual evidence of " Record '' ( as defined in 15 USC 78x ( a ) ), that would show that I am contractually obligated to pay, Rent Recovery Solutions, a collection agency, anything. However, the Respondent continues to report false information about me to the credit reporting agencies. 

I am with reasonable belief that the Respondent is in violation of the following : Using deceptive means to collect a debt ( 15 U.S.C. 1692e ( 10 ) ) Using unfair or unconscionable means to collect or attempt to collect the alleged debt ( 15 U.S.C. 1692f ) Failing to send a 30 day validation notice within five days of the initial communication ( 15 U.S.C. 1692g ) Attempting to collect after being notified to cease and desist ( 15 U.S.C. 1692c ) Failing to report my dispute to the credit bureaus ( 15 U.S.C. 1692e ) Failing to validate while continuing to pursue collection ( 15 U.S.C. 1692g ) Attempting to collect an amount not authorized by agreement of law ( 15 U.S.C. 1692f ( 3 ) ) Willful noncompliance ( 15 U.S.C. 1681n ) Negligent noncompliance ( 15 U.S.C. 1681o ) On XX/XX/XXXX, I delivered a " Notice and Demand '' via USPS Certified Mail Number XXXX XXXX XXXX XXXX XXXX giving the Respondent " Fair Notice '' and a chance to correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received {$24000.00}. from my insurance company for damages to my home. The checks I received had to be endorsed my myself and Loancare. I sent loancare the checks and insuranceclaim check, required an inspection which passed 100 % and I sent supporting documents to show I paid my contractors. I sent all paperwork, they have had my money for 6 weeks ( XX/XX/18 ) and I already paid for all the expenses to my house through my equity line and I am now paying interest as well. I keep getting the runaround with XXXX  regarding my monies. Please help, I have recently read reviews about them online and many many people are reporting similar problems with this company. Thank you XXXX XXXX XXXX XXXX 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 2023-09-19
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Interest rate

Complaint:
Dear Representative, I hope your day is going well. Here is what has happeneded so far : I called PHH on the phone and asked for assistance with my XX/XX/2023 payment due to an unexpected expense and for the payment to be put on the back of my loan and to keep my current interest rate of 2.00 %. The Customer Service Representative said not to worry that he would give me a 3 month forebearance and I could resume my payments at the end of the forebearance. 
When I went into my portal to resume autopay for my mortage beginning XX/XX/2023 ( the end of the forebearance ) ; the portal says that I can not make payments and that I owe {$6800.00}. This amount is much higher than the PHH representative shared with me when we spoke on the phone XXXX, XXXX. 
I was also told on the phone on yesterday by the PHH representative that I can not make payments now. I shared with them in XXXX and on yesterday that I want to keep my home and to keep my interest rate at 2.00 %. In XXXX, I was told that that was no problem and now I am being told that they have to evaluate my account. I have made all of my payments on time on the first of the month via autopay until the XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Timeline for PSLF : XX/XX/XXXX - submitted my final employment certification form for public service loan forgiveness as I made my XXXX payment in the month of XXXX. This was sent to XXXX. 
XX/XX/XXXX XXXX notification from XXXX that I made XXXX qualifying payment for PSLF. 
XX/XX/XXXX XXXXtransferred to MOHELA as my loan servicer and was instructed that the transfer to a new servicer would not impact the timeline for forgiveness. 
As of this date ( XX/XX/XXXX ) - I have not received student loan discharge/forgiveness. I have any communication about discharge/forgiveness. I have received no communication at all about anything. I have called MOHELA multiple times asking them to verify that the process is moving along but then have never been able to verify this. At first, MOHELA said " you should hear something by the end of XXXX. I called in XXXX and informed them I've seen zero communication. They said I should hear something by XXXX at the latest. I called in XXXX, again due to zero communication. Now they don't give me a timeline. They say call the Department of Education. I call the Dept. of Educaiton which leads me right back to MOHELA. According to my " federal student aid '' website, it has showed XXXX payments for several months. MOHELA 's website has showed XXXX payments for several months ( since early XXXX ). Why is MOHELA not moving this process along as they should? No one from MOHELA will answer this question. I've spend countless hours of my life on hold to reach out to them for answer and/or written verification and they've refused every attempt. 

Now it is XXXX, and I've heard nothing and they still can't tell me anything when I call about the issue. Other individuals on PSLF submitted their PSLF months after I did and have already received forgiveness. I have submit an employment certification form every year as instructed and I consolidated all of my loans into a XXXX XXXX in XXXX. I've done everything by the book. 

The only document I can upload is a screenshot of my MOHELA online account because I have received no communication at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: UMPQUA HOLDINGS CORPORATION
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am an employee of a company that is owned by my husband. On XX/XX/18 around XXXX XXXX I received a phone call from a woman who failed to identify herself or what company she was calling from. She called my personal cell phone asking to speak to my husband and refused to give me any information regarding who she was. I am under no obligation to even speak to someone when they initiate a phone call like this. After a few minutes I decided to call the number back, assuming I would get a main menu type of answer, which would tell me what company was trying to contact me/my husband. The same woman answered and identified herself as XXXX from XXXX XXXX XXXX, and she was immediately rude once she realized it was me calling. I, of course, I then reciprocated the same tone and behavior toward her. She works for a company that supplied a loan to my husband 's business and she wanted to speak to him ( the owner ) regarding said loan. He called her back, spoke to her about her issue and told her to never ever call me on my personal phone number again. She has all corporate contact information and there is no reason for her to contact an employee on their personal phone number. 
Part of my job is to deal with financial aspects of the business, so I sent an email to the original contact used to obtain the loan, asking for direction on other lenders they use. We intend to pull our loans from XXXX XXXX due to the interaction with XXXX yesterday. She decided, after being told never to contact me on my personal phone again, to call me on my personal phone number and complain about how I contacted the original lending company. Her contacting me is completely unnecessary and serves no purpose other than to harass me. She has been told now numerous times to contact only the company phone number if she has an issue. 
My husband let many of his business owner friends and acquaintances know about this company prior to this unprofessional joke contacting me. Now we will begin the process of letting everyone know they are harassing, unprofessional, and bullies. I reside in Colorado, where harassment is illegal. She committed a crime as well as far as my local laws are concerned

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