BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-04
Company: JH Portfolio Debt Equities, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Account XXXX and JH PORTFOLIO DEBT EQUITIES Account XXXX ARE UNVERIFIED. 

XXXX has not provided proof of physical verification of the original signed consumer contract its has on file pursuant to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). 
XXXX HAS NOT PROVIDED METHOD OF VERIFICATION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: AES/PHEAA
State: MN
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 have now attempted twice to do my yearly recertification for the PSLF program. They didn't even read the corrected form I sent them. Their excuse for denying the qualifying payments : MISSING INFORMATION : Your employer certified the dates of employment that were entered in Section 3 of the ECF. However, the employment end date is before the employment begin date. Complete and return the enclosed form. Make sure that your correct employment begin and end dates are shown in Section 3 and that your employer certifies the correct dates. 

This is INCORRECT. The form clearly states that I started working at my current employer on XX/XX/19 and am STILL EMPLOYED ( box checked ). I have attached their letter and the corrected PSLF form I submitted to Fed Loan Servicing. I've gotten nothing but the run around from this servicer as they continue to try to deny qualified requests for PSLF program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind due to illness, tried to apply for a loan modification. During the application process the mortgage company foreclosed and set a sales date adding thousands in fees. The mortgage company drug the application process out from XXXX XXXX to XXXX XXXX at which time we were told by Freedom Mortgage that the sales date was too close so they were not even going to consider our application.

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 2023-07-24
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Approximately XXXX months ago, I sent a letter to Discover Financial Services via the U.S. Postal Service at the address provided on my XXXX credit report ( i.e., XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to report two unauthorized inquires on my credit report ( XX/XX/2022 and XX/XX/2022 ). 

Approximately 2-3 weeks later, the letter was returned to me by the U.S. Postal Service as " Undeliverable ... Addressee not at address. '' I then phoned Discover Financial Services and was told that the inquires would be removed. The inquiries have not yet been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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, 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, has violated my constitutional rights. 

15.U.S.C. 1681 section 602A ( States ) I have the right to my privacy.

15.U.S.C. 1681 section 604A section 2 : it also states a consumer reporting agency, can not furnish my account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX  months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of XXXX XXXX XXXX XXXX ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-05-18
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2023 XXXX XXXX XXXX sent a written confirmation stating that an update on account number : XXXX has been sent to all credit reporting agencies to reflect a {$0.00} account balance. As of XX/XX/2023, all credit reporting agencies has reported inaccurate account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: COAST PROFESSIONAL INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I sent a request in for a hearing ( on XX/XX/XXXX ) in a timely manner but the Department of Education never gave me a date for my hearing. In early XX/XX/XXXX I noticed that my student loans were in default, of course I wonder how since I hadn't even had my hearing. I decided to contact the Department of Education to let them know that I never received a letter regarding a date for my hearing and I was informed that I needed to contact the collection agency which was Coast Professional, Inc. I contacted Coast Professional, Inc. regarding the matter and they directed me back to the Dept. of Education. Again I called the Dept. of Education and they redirected me back to the collection agency. This time when I called the collection agency back, I asked to speak with a supervisor. A supervisor at the collection agency, pulled my file and confirmed that the Dept. of Education did receive my request for hearing in a timely manner but he's not sure why they never gave me a date for my hearing. The supervisor at the collection agency informed me that there was nothing they could do that I'd have to take it up with the Dept. of Education. I'm looking to consolidate my student loans and get out of default, which I shouldn't be in in the first place, and obtain a payment that I can afford. I've recently just found out about this site this is why I'm just now submitting my complaint.

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 2019-11-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX, IM FORWARDING A SECOND ATTACHMENT TO THE PREVIOUSLY COMPLAINT ABOUT CARRINGTON MORTGAGE SERVICES , LLC ' AS I REVIEW MY INSURANCE PAYMENT TO XXXX XXXX, I FOUND THAT XXXX  GENERATE ME A CHECK FOR {$890.00}, BEFORE CARRINGTON MORT.TOOK OVER MY MORTGAGE, AND LIKE ALL WAY I THOUGHT THAT {$890.00} WAS FOR ME, BUT I FIND LATER THAT WAS MY ESCROW ACCOUNT THAT WAS FOR MY ESCROW THAT WAS FOR XXXX  XXXX XXXX AND THEN GIVING TO THE NEW OWNER OF MY MORTGAGE CARRINGTON MORTGAE SERVICES, LLC, THEIR WAS NOTHING NEFARIOUS ABOUT WHAT HAPPEN TO THAT {$890.00} CHECK, WHEN THE CHECK WAS SENT TO ME IT HAD NO STRINGS ATTACH. I WANT TO KNOW IF XXXX  XXXX XXXX SAY I DO NOT OLD THEM MONEY, AND XXXX XXXX DO NOT SAT I OLD THEM MONEY, WERE DID CARRINGTON MORTGAGE GET THIS {$2500.00} AND I OLD ONLY {$890.00} WERE DID THEY GET THIS FOOTBALL NUMBER FROM. COMPLALAINT ID XXXX THANK WHOMEVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a move out bill dated XX/XX/2018 from XXXX XXXX XXXX The Residences at New XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO  XXXX on XX/XX/XXXX for {$450.00}. I responded to the letter, notifying them why I was only paying {$71.00}. They never scheduled a move out walkthrough with me. They charged {$340.00} for carpet replacement. i lived there for 39 months. Normal wear and tear. 

I never heard back from them. I received a bill from FCO that was dated XX/XX/18 in the amount of {$830.00} more than double the bill they sent me. As i stated, the only bill i received was dated XX/XX/18 for {$450.00}. I contacted FCO on XX/XX/XXXX and emailed them my bills and what the situation was. They said they would speak with XXXX and get back to me. 

I have not heard anything to date but now know there are other residents that experienced a similar experience as mine. 

Thank you.

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 2019-06-20
Company: PHH Mortgage Services Corporation
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My mortgage was sold by XXXX on XX/XX/19 to a company called PHH. I have paid my mortgage on time every month since a modification almost 1.5 years ago. I have been building my credit back because of this. PHH has now reported me to the credit bureaus for a modification that took place 1.5 years ago. You can't get an American on the phone unless you have 2 hours - they won't help me, they are a scam and they appear to be doing this to a lot of people. XXXX had a civil suite brought against them. PHH is on the same track. This place is horrible. 

I can prove my on time payments through my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Ocwen Financial Corporation
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: Account status incorrect

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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 2020-07-13
Company: MONEY SOURCE, INC., THE
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage servicer The Money Source TMS. I filled out the form on their website on XX/XX/XXXX asking for deferral and requesting a call back. Their website said they would call me and where experiencing a high call volume just to wait for them to call me not to call in. It also said that I might receive letter in the mail but it would not go on my credit.. 

I have been calling TMS the Money Source since XX/XX/XXXX. As soon as I noticed a derogatory mark on my credit report from TMS I started calling them.TMS told me someone would call me back in 48 hours  and I never received call back. 

Ive called TMS over 10 times and hear a different story each time. One time they said I have never filled out the forbearance form for call back and that I never went to their site on XX/XX/XXXX and I logged back in on XX/XX/XXXX to check. I have screenshots of my history showing I accessed their site both those days. I have attached this screenshot Another time they said the laws in the state of Nevada prevented them for calling about anything to do with a debt. 

I have tried to use waybeackmachine to get archive of the page but it was from within my account so they dont have copy of the actual screen. I would not have this url if I never accessed and filled out their form. Attached is another screenshot of me trying to search in waybackmachine. 

I have an open case with Fannie Mae but so far they have been unable to do anything because TMS just tells them that I never signed up for forbearance. 

My credit score was over 740 before this and have not missed any credit card or mortgage payment ever. My place of employment closed in XXXX due to COVID-19 and I have had no income since then. I have been using my credit cards and now credit cards are canceling due to derogatory remark on my credit card and late mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting Act XXXX Account XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.

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 2017-12-15
Company: ORG GC GP Buyer, LLC
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I spoke with a representative and she did an analysis of expenses and quoted me a payment based on information I was asked verbally. She asked that I provide pertinent documented information originally quoted a verbal payment but used an calculation and was told after they received documents requested this could change. After providing information requested that they would send me letter stating payment I signed and dated the documents that came in much lower then the original quoted payment. I called to confirm that the new amount after receiving documents this would be my monthly payment which was about 40 or so less than I agreed signed the paper work called and confirmed receipt and verified payment. XXXX I received a letter dated XXXX and I called because the payment was my verbal payment not the payment agreed upon and my signature in signed documentation. Spoke with a representative name XXXX XXXX who told me that it would take 72 hrs to correct the descepency and my payment would be the verbal about this per XXXX I had an option to pay {$59.00} a month which was never relayed to me as an option. I agreed to pay the debt with my personal banking information and verified that the payment would now be the XXXX XXXX.aFter the signed and dated agreement Im trying after a major job setback to payoff old debt. I have been treated with such disrespect from the XXXX XXXX XXXX and his subordinate on Monday Ive asked him to review may previous call stating the the representative assure me my payment would now be XXXX dollars only two receive a notice by mail it would be the original XXXXafter review the my recorded call in in XXXX XXXX was unfair in his this company asked that you call to verify receipt of email document which was compeleted only to find that they took the original amount after threatening to garnish would be received. They did not stick to the original agreement and assessed monies they now say you have to call and arraigned a new payment but they never told you your original payment could be less than there system had calculated. XXXX also after I caller and that a representative assured me of payment And was told he would review on Monday and it is Thursday after speaking with him he seemed disconnect with an attitude they he even had to address this complaint without resolved they Are taking more out of my account they agreed upon and didnt even try rectify my concerns

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: CA
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 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 XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 XX/XX/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 2022-12-03
Company: Experian Information Solutions Inc.
State: NC
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 : XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation