BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-03
Company: ACS Education Services
State: MS
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:
I have an account with  ACS Education Service.  I called and asked for the paperwork to do an income based repayment plan. I stated that I want to start paying the loan but I could n't afford the  XXXX  dollars monthly payment. I also asked about the deferment since by the definition on their website, I fall under this category. The individual was rude and told me that I 'm not on  XXXX   XXXX . I asked her to explain since this was and has. been my status for the past 10 years. She stated that I did n't qualify but of course she could put the loan in forbearance ( of course, because it accrues more interest and they always give this option instead of trying to work with me to actually get the payments to an affordable amount ). She stated she could send me the paperwork, fill it out and send it back to them. I did this, then I was told o, your application was n't accepted because that 's the wrong application. But this is the application that you sent me. I was very specific in I wanted to apply for an income based repayment plan. Then I was told to redo the paperwork. I did this. This time I was told that my tax return was illegible. How is the application legible ( which was handwritten ) but the tax return, printed directly from the tax servicing company illegible. Then AGAIN, it was reported to my credit report that I 'm past due. I keep going in circles with this company and I will reconsolidate with another company. It is ridiculous that this is the second complaint I 've had to make about this company. When I call into customer service, the agents are so rude and they either want you to pay or put it in a forbearance. They are absolutely no help. My last complaint, the agents kept telling me to call the  Dept of Education, k nowing fully that they have nothing to do with a pre-existing loan. I 've faxed my application to this company several times and as much as I follow the directions given on the paperwork and by the agent, I still get a letter saying my paperwork is denied. The only time I 've gotten anyone that actually wanted to help and took the time was individuals who called after I made the complaint. EVERY call to customer service has been rushed, rude, given misinformation/false information and made no progress in resolution to pay my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 



XXXX XXXXXXXX XXXX Opened XXXX {$570.00} XXXXXXXX XXXX XXXXXXXX Opened XXXX {$900.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: TN
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 my Equifax Credit Report, I have been disputing the XXXX XXXX XXXX ( XXXX ), account # XXXX, amount {$610.00}, for close to 12 months due to inaccuracies and incompleteness. First, despite three certified validation letters to XXXX, they have not validated nor provided me with any evidence from the original creditor that they own this account. I have never done business with this company nor have they ever contacted me that I owed this debt. Why it is on my credit report? As for the Equifax credit report, I have sent six certified letters ( attached with the account highlighed in yellow ) to Equifax regarding inaccuracies and incompleteness requestion corrections and deletion of the account but they have ignored the documented evidence and continued to report these errors and absences. I have attached my most recent Equifax credit report ( Dated Decmber XXXX, 2022 ) as evidence of these FDRA violations and that these problems have not been corrected : 1 ) the Date of Last Payment is missing, 2. ) the Date of Last Activity is missing, and 3. ) The Date of 1st Delinquency is missing which makes it impossile to determine when this account will fall off the report. The report is also missing the Notice of Dispute, the Accounts Charge Off Amount and the Close Date. The Payment History iindicates that the account is paid on time while at the same time the credit report indicates it is in collections! All these inaccuraces and incomplete reporting are FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
USPS XXXX XXXX fee was suppose to be {$73.00} ( USPS letter sent verification ) on automatic payment.in XX/XX/2022. Instead {$91.00} was charged and I disputed {$18.00} of the {$91.00} charge and paid the {$73.00} on my Citi bank credit card bill in XX/XX/2022. The {$18.00} dispute was rejected by Citi bank and instead of the {$18.00} dollar dispute charge being reversed on my XX/XX/2022 Citi bank bill.. Citi bank charged me again for {$73.00}. which I had already paid on XXXXXXXX XXXX XXXX  statement. 
I notified Citi Bank on a chat line and was rebuffed and told they did not have access to the information. I wrote Citi Bank credit services and there has been no acknowledgement.

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 monetary relief
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. My information has been stolen and used to open a fraudulent loan with XXXX XXXX XXXX on XX/XX/2022 for the amount of XXXX dollars. The branch that was used to open the fraudulent account is located at XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. They can also be reached at XXXX. Ive tried disputing with the credit bureau over four times and each time they reported as accurate information with out reaching out to the bank. The bank will not dispute my case until Credit Bureau reaches out to them or the police go to the them with my case. The police report ive made to resolve this is still pending and told that it can take up tp 90 days to be assigned someone to my case. This is absurd.

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 2017-05-03
Company: TRANSWORLD SYSTEMS INC
State: AZ
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:
A couple of days ago,  XXXX   XXXX    XXXX  , I go to check my credit report and was surprised to see that I had  XXXX  duplicate accounts in collections from the same company,  XXXX   XXXX   XXXX , for the same exact amount from the same original creditor,  XXXX . I was livid because I felt as though they were being deceptive with their reporting and wanted to try to get me to pay twice. I got their number online and called them in hopes that they would help clear this matter up. The person that I spoke to was no help. He said that it appeared to be a duplicate but there was nothing he could do to help at that time. If I have to, I 'll consult with an attorney about what steps can be taken to get this rectified but I would like to get this taken care of on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: NC
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:
Credit Bureau not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: American Student Assistance
State: MA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: DE
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
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: Old information reappears or never goes away

Complaint:
Equifax did not do what they are expected do. Equifax is knowingly reporting an account that can not be completely validated or verified. 

XXXX XXXX XXXX XXXXs reappear on my credit report without notice. A violation of FCRA rules. 

XXXX XXXX XXXX XXXX was removed and has been reinsurted without a letter of reinsertment. 


Please see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was foreclosed on  XXXX   XXXX ,  XXXX  by the   XXXX   XXXX   XXXX   XXXX   through Attorney-In-Fact  XXXX   XXXX ,  XXXX  an d Select Portfolio  Servicing, entities do not hold ownership of my note. This problem on my home started back in  XXXX , when  XXXX   XXXX   XXXX  illegally assumed our note from   XXXX    XXXX  to the  XXXX   XXXX   XXXX  which was closed in  XXXX .   XXXX    XXXX  went into receivership  XXXX   XXXX ,  XXXX   XXXX  purchased all the assets at that time and our note was not assigned to the   XXXX   XXXX   XXXX   XXXX   by  XXXX   XXXX , however the   XXXX   XXXX   XXXX   XXXX   is claiming ownership with  XXXX   XXXX ,  XXXX ,   XXXX   XXXX   XXXX   and Select Portfolio Servicing Subservicer. I have prepared uploaded documents called CFPB  Complaint    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX , / Select Portfolio Servicing and Exhibits which explain in greater detail what has taken place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been struggling to make our payments for quite some time now. The CFBP was instrumental in helping to stop the sale of our Home in XX/XX/XXXX due to errors by the lender resulting in raising our payment substantially. We have not been able to recover from all the extra time and expense since that error. We made the decision to sell our home. It's been listed for several weeks now. We are confident it will sell as is our realtor. We have kept in touch with Mr. Cooper reps however they were non-responsive to our latest request dated XX/XX/XXXX in writing asking for a loan forbearance while our house is being marketed. We made a good faith partial payment with this letter however the payment was returned with no mention of the forbearance request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Automated Accounts Management Services
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX, XXXX, and XX/XX/XXXX  I contacted AAMS XXXX by certified mail USPS and have not received any proof of this debt, from a hospital located somewhere in Iowa or Wisconsin based on my research. 

I have not visited, resided, or have any ties to XXXX XXXX XXXX. This has negatively impacted my credit bureau ratings. They are threatening that I owe {$3400.00} immediately with no explanation given! 

My insurance is through XXXXMEDICAID State of Arizona, which suggested I file a complaint with the CFPB after I had made every attempt to contact this debt collection company with no resolution. 

I need help from CFBP with this.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-02
Company: CAVALRY INVESTMENTS, LLC
State: CT
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 am in bankruptcy as of  XXXX   XXXX . As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. A hard copy of my credit pulled for work purposes ( all   XXXX   bureaus ) shows a CAVALRY PORTFOLIO SERVICE account. I never had a cavalry account. there is a memo that states it  may be a   XXXX   XXXX   a ccount which was included in my bankruptcy.  Calvary is rep orting that it is included in my bankruptcy, as well as is reporting it in collection. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of collections has cru shed my credit score and needs to removed ASAP. This is double hitting my credit score  : once for being in bankruptcy and again for reporting me in collection. THIS REPORTING IS ILLEGAL.  Calvalry  reports : Collection as of  XXXX   XXXX  to  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  and Filed Chapter  XXXX  Bankruptcy on  XXXX   XXXX ,  XXXX . This information is inaccurate. My wife and I filed for bankruptcy protection on  XXXX . Our Chapter  XXXX  was converted to a Chapter  XXXX  and is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Early in  XXXX  there was some missed payments. During repeated contacts with  XXXX   XXXX  I could never obtain a 'straight ' answer as to what was delinquent or how much was due.  One pay ment (  XXXX / XXXX / XXXX  {$900.00} ACH  Tel S ingle Mtg Pmt ) seemed to never have been credited.     During late  XXXX  and early  XXXX  I had difficulty in obtaining any helpful information as to the justification for the amount claimed to be due.     However, On or about  XXXX   XXXX ,  XXXX  I spoke with an  Ocwen re presentative who was most helpful in explaining the amount due and what would have to be done to bring all payments up to date. He explained how the amount due was arrived at and gave me an amount that had to be paid by overnight mail by  XXXX   XXXX ,  XXXX . The amount was {$3500.00}. The address he instructed me to mail the check to was  Oc  wen Loan Servicing, LLC ,,  XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX    XXXX ,  XXXX  TX  XXXX . During the explanation the agent asked I would like to refinance or pay reduced amounts. I declined both offers. ( Anytime this subject came up with other agents of  Ocwen I firmly d eclined the offers. They say they record conversations, so my claim should be easily provable. ) ( As an aside, The  XXXX  Texas address used was the only time I had ever heard of  XXXX  as a communication site for Ocwen. All other communications had been made through their   XXXX   XXXX   XXXX   XXXX  Fl, address ) I mailed the paymenet along with account information to the  XXXX  address via  USPS ov ernight. The tracking sheet shows delivery on  XXXX   XXXX ,  XXXX  at  XXXX  and signed for by  XXXX   XXXX   XXXX  It took approximately 5 weeks for the check to be cashed.     Subsequent to the receipt of my check by  Ocwen a t their  XXXX  location I kept receiving delinquency notices from Ocwen : i.e.  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX  and lastly on  XXXX   XXXX ,  XXXX  ( with a different payment amount due (  XXXX  ) with no explanation.     This has been very frustrating in dealing with this company. Subsequent to payment of {$3500.00} payments have been in full and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2017-05-02
Company: Williams, Rush & Associates, LLC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by williams, rush &amp; associates today. Today was the first day I was informed of a debt from   XXXX   XXXX   XXXX   representative of  XXXX   XXXX   XXXX   I told them this was a mistake and I have been trying to contact  XXXX   XXXX  to fix the problem but they are not returning my phone calls. I told  Williams , Rush &amp; associates t hat I would be willing to make payments until this mistake was resolved. They refused to accept anything I offered, and demanded I only pay by credit card and only allowed to pay half the amount. They are refusing to send me anything in writing, such as a bill or legitimate statement unles s I payer % 50 of what I owed on the phone today. This is the first I ever  heard of this debt, including from  XXXX   XXXX . This debt collector is being very unresonable, and I would imagine this can not be legal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation