BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-14
Company: REGIONS FINANCIAL CORPORATION
State: AL
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: Problem with personal statement of dispute

Complaint:
Since XXXX of last year we have tried to rectify this with Regions bank. The Regions branch has had numerous problems since switching to a new loan service. I.E. duplicate account number incorrect payments posted and all sorts of issues. As an ex-employee of Regions bank, my office manager has more insight to the issues the company has than most. We have asked repeatedly for them to find a check that cleared our account for XXXX $ in XXXX that would have caught all late fees up. They refuse to answer and our find the missing funds. The account on the branch side also says current and not due till the following months when payments are made. We have already submitted one complaint to the CFPB that was half answered. Late fees can drag on an account but the account will still advance and show current. Regions has reported 2 months late that were in fact current if they would find their mistake in the missing XXXX check but also in the fact that minimum payments were made according to the branch.

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as " XXXX XXXX '' and I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX '' when I reviewed my credit report. This account had a substantially adverse impact on my XXXX XXXX, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: United Collection Bureau, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX was paid in full by XXXX XXXX, both on XX/XX/XXXX, XX/XX/XXXX. When i spoke to patience accts in XX/XX/XXXX, I was informed this was taken care off, as XXXX overpaid hospital bill and they where going to cover this amt. 


Hospital send this over to XXXX XXXX which close the acct as paid. 

now united collection bur is re billing on an acct taken care. of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: CMG MORTGAGE, INC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
Issue : CMG Financials is intentionally delaying assumption of a 2.75 % VA home loan. Their delay tactics are in the 3rd month, impacting three military veterans : the one who wants to purchase and the military veteran homeowners ' ability to sell our home, one of whom is a XXXX XXXX XXXXXXXX veteran. There is no reason CMG should not be able to move faster with the loan assumption process - this is standard practice for financial institutions holding VA home loans. At this point, we can not proceed with the prospective buyer to even complete his part of the paperwork because CMG Financial first needs to render the ( very simple ) decision that our VA loan is assumable. While we understand it may not be in their financial interest to have someone assume a 2.75 % home loan given today 's mortgage rates, it is the veterans ' right to be able to do so - CMG 's delay tactics may be imperiling the financial situation of other veterans as well, which is why we are seeking help now to move this along. Below is a general timeline of our highly bureaucratic interactions with CMG Financial to date : XX/XX/2023 - submitted required documentation ( " Preliminary Request for Assumption/Release of Liability '' form ) to CMG Financial 's `` Assumptions Department '' at XXXX ) and via certified mail to XXXX XXXX XXXXXXXX XXXX, NJ XXXX. The reason for my request is that we have a buyer for our property. As a military veteran, he wants to assume our 2.75 % VA loan. 

XX/XX/2023- I heard nothing back from CMG Financial, so I called in XXXX to follow up. I requested to speak to one of their mortgage managers and was able to do so. The mortgage manager advised that she would contact the Assumptions Department for status and stated that I am not allowed to do so, even as the homeowner with the mortgage needing quick resolution to sell my home. 

XX/XX/2023. I received no status update until I called the CMG mortgage manager back on XXXX XXXX for status. Surprisingly she called me back the same day. However, she then stated that I must re-send via email the same documents I originally sent ( via email and certified copy ) in XX/XX/2023. She also stated CMG Financial will not respond to my email and that I can not call them. The waiting game continues...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: OneMain Finance Corporation
State: AZ
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:
OneMain Financial imprperly obtained my credit report as there was no permissible purpose. I never entered XXXX XXXX 's site to ask for any loans. Furthermore, it is OneMain Financial that gave me a hard inquiry on my credit reports, NOT XXXX XXXX. 

This is an unacceptable response from OneMain Financial. If this is not rectified immediately, I will refer this to the OCC and will seek legal advise when when warranted. I will not let this company ruin my credit when I NEVER authorized it nor any of its partners to check my credit report on or about XX/XX/2023. 

This is OneMain 's UNACCEPTABLE investigation and answer to my first complaint : " OneMain records indicate that on XX/XX/2023, you received an offer to apply for a OneMain loan through the XXXX XXXX website, a financial services website that helps consumers find personal loans. Specifically, on the XXXX XXXX website, you provided information to determine if you had loan offers from participating lenders. Based on the information you provided, XXXX XXXX showed you available loan offers. You selected the OneMain offer. After selecting the OneMain offer, you were redirected from the XXXX XXXX website to the OneMain website to complete the OneMain loan application. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I began receiving phone calls and letters from Credit Collection Services ( AKA CCS, claiming to be based in XXXX, MA ) attempting to collect a debt for XXXX, my auto and motorcycle insurance carrier. The options offered in the letter were to call the call center, submit payment online, or write a check to " XXXX '' ( though there is an addendum that " CCS may process payment as a one-time electronic funds withdrawal using information from your check. " ). I contacted XXXX who confirmed that I have no outstanding debts with them. I attempted to call the CCS Call Center number included on the letter and it is not a working number. This is clearly a scam

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been paying my loans for years now and its only getting worse. I was paying XXXX which is almost all of my paycheck for two weeks. They call from unfamiliar numbers at all hours of the day. On XX/XX/XXXX they called me at XXXX in the XXXX. I picked up and the person on the line was rude and demanded that I give them money. I felt cornered, but I wasnt even sure if it was them because they call from a new number every time. Today I looked into a loan because they said I need to pay, and they told me that I had to pay XXXX dollars to go into forbearance. I feel hopeless when I call, like Im not really going to be helped, I feel like Im being coerced into paying more money than I have. They refuse to go below XXXX but thats still half of one paycheck. I felt like I was in a standoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I took a title pawn out with this company 5 years ago and I'm still paying. The loan payments became higher than my mortgage payments. I asked would it be possible to lower the payments or let me pay it off for 50 % of the balance and the store manager refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved out of XXXX XXXX, XXXX, WA XXXX in XX/XX/XXXX, due to pest infestation, rampant theft, burglary and vandal problems, and due to the the intent of management to raise my rent to unaffordable level for me. After moving out in XX/XX/XXXX, later in XX/XX/XXXX, I received an automated bill for rent. I called and emailed XXXX XXXX management who informed me in writing via email that the rent and utility bill sent to me was a glitch in the system and that they would fix the problem. 

Now in XX/XX/XXXX, I have been contacted by the XXXX XXXX XXXX company to pay a {$1400.00} bill that they claim I owe to XXXX XXXX. In XX/XX/XXXX, I contacted XXXX XXXX who is under a new manager and explained to them the glitch in the system that had wrongly billed me in XX/XX/XXXX. I also asked them to give me the original bill so I can send it to the Washington State Attorney General 's Office. 
XXXX XXXX management said that was under old management and they have refused to give me the original bill from XXXX XXXX that I allegedly owe. 

I am permanently unemployed and I am a XXXX XXXX XXXX, who has had XXXX XXXX XXXX ( XX/XX/XXXX and again on XX/XX/XXXX ) and I am unable to pay this {$1400.00} bill that I do not owe XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
HI CRA ; EXPERIAN, XXXX ; ***See attachments*** I'm a little shocked and dismayed that this public still is reporting on my credit report even after i reached out the the credit reporting agencies several times, and it comes back as verified as accurate. Well, therefore, i took upon myself to contact the bankruptcy court which also confirmed that they do not report any information to any of the credit reporting agency. I then called credit bureaus which they said that it came from supplement credit reporting agencies such as XXXX. I then contacted XXXX, which I've attached the letters stating that they can't even find it in their entire data. I'm confused now. It's still reporting with multiple inaccuracies, misleading and incomplete information. Therefore it's impossible that it can be verified. Equifax went ahead and immediately deleted from my credit report. 

This is a violation of my consumer rights and i need this information removed from my credit report. I was made aware it may have come from a 3rd party furnisher XXXX XXXX. I contacted XXXX XXXX with my address, full name and full social security and they do not have any record of me on file. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous, misleading, and incomplete information on a credit report, also, especially, when it contains multiple inaccuracies on reporting. I ask that you remove that BANKRUPTCY and delete it expeditiously from my credit report under the provisions of FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
someone opened a discover card in my name and i contacted discover to report it as well as all 3 credit bureaus. discover used the information i gave them to have XXXX re- report the negative account information on to my credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My mortgage was sold to a new servicer without my knowledge in XX/XX/2023. I was made aware of this in XXXX. I contacted the company to set up my account and start automatic payments. I was told this would happen. I made a lump sum payment at that time to bring my account current. There was no credit consequences at this time. I was placed on paperless billing. 

I never received a bill of any type and assumed my payments were being made via automatic withdrawals. I then received a snail mail bill for 2 months ( XXXX and XXXX ) worth of payments at the beginning of XXXX. I immediately got online to make the payment. I then called the company to confront them about why they didnt send me an email bill for the XXXX payment if I was not on the auto pay and why my account was not placed on auto pay as I had requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: HI
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX  days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed this account as inaccurate. TransUnion and XXXX continues to report this account on my credit and has responded that the debt was verified. How is that possible? What was your method for verification? Who did you contact? I have contacted XXXX XXXX myself regarding the account mentioned and have been unable to get them to verify that this is indeed my debt. 

I have attached copies of the correspondence I received from XXXX XXXX after asking them to validate this debt. In response, XXXX XXXX is asking me for my personal information such as social security number, my full name, full card number, my address along with a detailed explanation for my request. They are the ones reporting negative information on my credit report. Shouldnt they have this information already? They have my name, current address, and the card number yet they continue to ask me for additional personal information. Apparently, they do not have any information on me. This debt is not mine and I was not given any evidence of my obligation to pay this debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is clearly a case of unverified debt. I advise XXXX XXXX ( TransUnion & XXXX ) to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages & declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to resolving this matter ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: National Recoveries, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am being collected from XXXX different companies for the same exact debt. I have tried several attempts via mail and over the phone to resolve this and the debt collection company National Recoveries are lacking in a lot of areas. They refuse to listen to anything I have to say and keep trying to tell me its a different debt but can not prove it. I asked for proof of the debt and they sent me bogus papers that have NOTHING to do with the debt they are collecting on. I have printed up all of my documents to prove that the amount they are asking me for is currently through XXXX and I am in good standing with XXXX. I had a subsidized and un-subsidized loan somehow end up in a consolidation loan with XXXX/ XXXX , this was not in anyway known from me, since the information they provided to me is not mine other than my social number and the name. None of the addresses or phone numbers matched, besides the point, I worked out a plan with Navient years ago and now National Recoveries is claiming I owe them either the subsidized or un-subsidized portion which they still wont tell me which one. They lack in proving what exactly the total amount is that I owe them for, not how much, but for. I want them to disregard the debt and look at the documentation I have from XXXX, showing XXXX is in fact collecting on both of these debts. I am a XXXX and have 2 more years to go, if they even tried to get one cent from me, they 'd be wasting their time. Its a crime to attempt to collect the same debt and they need to be prosecuted for their actions. They are also alleging that an amount of {$2600.00} was taken then refunded back to me from US Dept of Treasury, this is FALSE, I have proof, documents that my identity was stolen 3 times in past 5 years, the amount mentioned above, is from the person who stole my identity, that was refunded back to that person, not me. Where they get their information from is terrible. I have police reports and letters from IRS proving I have been victim of identity theft several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MERCHANTS CREDIT {$190.00} and 441 Original Creditor XXXX XXXX XXXX Opened Date XX/XX/2019 Creditor Contact Details MERCHANTS CREDIT 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 explanation