BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
Company: Experian Information Solutions Inc.
State: NC
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 called the credit card company XXXX XXXX  on XX/XX/22. Was informed that collection agency XXXX XXXX and the internal collection has my account and I was transferred to them. The representative from XXXX XXXX told me that they are not servicing accounts in NC due to state restrictions. If no one is servicing my account and I have no way to reach out to anyone for information then she not be reporting the account on my credit report. All I ask is that someone talk to me so I can come up with a payment plan or settlement.

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 2020-05-01
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 noticed an account and several inquires that i did not authorize reporting on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Looking at my credit report on XXXX XXXX XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One account was for {$200.00} and one for {$170.00} which is listed on my credit report as account XXXX. I sent a letter to the agency today on XXXX XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know who this company is and never received any letters from them. They are in direct violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and XXXX ( Health Insurance Portability and Accountability Act of XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: EQUIFAX, INC.
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:
I believe that Equifax are handing out randomly-assigned answers from their Potential Impact website : https : XXXX Entering both mine and my wife 's information twice, we both got different answers each time. As I am a semi-recent XXXX  to the US I do not even show up on their site, yet I still received two different answers from this " Potential Impact '' site.
I believe Equifax are attempting to appear competent in dealing with the backlash from this situation, but in reality, they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: I.C. System, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I closed this account in XX/XX/XXXX after multiple calls about billing issues that happened the previous couple of months. On XX/XX/XXXX I spent over an hour and a half on the phone with them disputing a XXXX install fee for an installation that didnt happen and they just kept telling me I had to pay it. Then preceded to tell me that if I had telephone service I didnt need the internet but if I had internet I had to have telephone service and when I questioned that the agent said I supposedly called in on XX/XX/XXXX at XXXX and canceled my phone and when I asked what time did I call in and cancel my internet service he said there system didnt have a time stamp and when I repeated what he previously told me he said there system didnt have a date stamp. I asked to speak to his supervisor and when he got on the line I asked about the calls being recorded and told him if he went back to an hour and fifteen minutes he would hear the two conflicting stories the agent told me. He said ok then hung up on me. I called back and I let the first agent I spoke to know what happened and how upset I was about she transferred me to a agent named XXXX I explained all the issues I had with them and she said went ahead and closed the account and put credit on there to cover the install fee and the penalty fees for early termination so I didnt owe them anything. I received the final bills showing the credits and a XXXX balance. I thought it was all taken care of continued to receive junk mail from them saying they wanted me to come back. Then I received a collection letter from the first company in XX/XX/XXXX saying I owed XXXX  {$750.00} I called them and they said XXXX  closed my account in XX/XX/XXXX due to non payment I disputed it with them and called XXXX  directly and disputed it they couldnt tell me where the charges came from but I had to pay it. Then I received another collection letter from a different company in XX/XX/XXXX this time saying I owed XXXX  {$520.00} and they closed the account in XX/XX/XXXX I disputed it again. Then in XX/XX/XXXX I received another letter from a third collection company saying I owed XXXX  {$350.00} I called them and they said XXXX  close sed my account in XX/XX/XXXXand I told them this is the third company and I have disputed it each time and they keep changing the amount owed and now when they closed the account I paid the final bill minus the XXXX install fee and the agent put enough credit on my account to cover that and the early termination fees so I didnt owe them anything

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 2017-09-25
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I previously filed a complaint with CFPB regarding Specialized Loan Servicing about my mortgage.
As previously stated, Specialized Loan Servicing has been  holding insurance funds that they were not entitled to since XXXX XXXX. I paid for all the repairs to my home. Specialized Loan Servicing was to endorse the check and return to me. Rather they deposited the money, applied it to my mortgage for 6 months of payments, then reversed the transactions after a couple of months, leaving me in default, held the monies in " escrow '' - filed a foreclosure suit against me, had me refinance with them - and said they would only return me my insurance proceeds after I made payments for 6 months. 

During that period of time, I was accidentally copied on an email between Specialized Loan Servicing and their counsel, where they said that they would provide me with a modification package but were going to deny it upon my submission and proceed to foreclosure. ( a copy of this email was previously provided to CFPB ). Once Specialized Loan Servicing and  their attorney learned that I had a copy of that email, they immediately allowed a modification but not without tacking on fees to the mortgage amount and refusing to return my insurance proceeds until they received the 6 months of payments. 

After 6 months they did not return my money. When I repeatedly called and asked, the representatives told me that I had to have an attorney call to get my money back. 

They then started returning my payments. 

In their previous response to my complaint to you, they said they were looking in to the matter, that I had more than a year of unpaid mortgage payments, at the time, which was not true and that they would continue to look into the matter and respond to me. 

CFPB closed the matter with the response. 

Specialized Loan Servicing did not respond to me. Did not send me my insurance proceeds. They did not send me any correspondence. 

I have been informed that they went ahead and filed a lawsuit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
From XX/XX/XXXX through XX/XX/XXXX I had 17 requests for bank loans, credit cards, and lines of credit when XXXX and XXXX lifted my freeze alerts without my authorization. XXXX, XXXX, and XXXX also did this in XXXX and XXXX. At no time did they attempt to contact me by phone or mail to confirm that I wanted the freeze alerts lifted. I don't know why they issue a pin number if they don't request it when someone besides myself request that a freeze alert be lifted. Then the nightmare begins trying to contact all these companies, and then the credit bureaus in an attempt to clarify the dilemma. Trying to clarify this with the credit bureaus is almost impossible, taking me two to three hours with each if I was lucky. It seems the hackers have quicker access to my accounts than I do. 
What protection does the average citizen have with these three credit bureaus? 
How can one avoid this from happening again? What does our government do to protect the average citizen from this abuse? 
It seems that our government has allowed XXXX, XXXX, and XXXX to have cache blanche to do what they want without the consumers having any protection from them.

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 2017-09-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I believe that per the terms of my real estate contract purchasing the property where I reside that I will be eligible to cancel my mortgage insurance in XX/XX/XXXX. I have contacted my current loan servicer - PennyMac - on two separate occasions, asking them to provide me with the information that I need to cancel PMI, but to date, no information has been provided. PennyMac has simply chosen to disregard their obligation to tell me exactly under what circumstances my mortgage insurance will be cancelled, and instead has repeatedly told me that I just do n't qualify at this time. The first letter I sent was in XX/XX/XXXX. PennyMac responded in XX/XX/XXXX with a letter that stated that I did n't qualify. I responded to their letter with a letter dated XX/XX/XXXX demanding that they provide me with complete information regarding how and when my mortgage insurance could be deleted, which was ignored. I wrote again in XX/XX/XXXX in anticipation of the approaching date when I could cancel my mortgage insurance. Once, again, in a letter dated XX/XX/XXXX, PennyMac did not provide me with any information regarding when and how my mortgage insurance could actually be cancelled, they basically just told me that I do n't qualify now, and that 's it.
I personally believe that this is an attempt on the part of PennyMac to deter me from not only cancelling my mortgage insurance now, but also to discourage me from inquiring about it in the future. It seems to me that they may just believe that if they simply continue to deny me, without providing detailed information regarding exactly how and when I can cancel my mortgage insurance, that I will eventually give up, and just continue to pay the premiums, maybe for many years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Experian Information Solutions Inc.
State: NJ
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 filing this complaint because Experian, has ignored my request provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified, that I have disputed. Account Name : XXXX XXXX XXXX Account Number : 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 2019-07-28
Company: EQUIFAX, INC.
State: HI
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:
I did not authorize anyone employed by these companies namely -- - XXXX, XXXX, XXXX, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Despite four notarize written requests delivered via certified mail to have eight unverified accounts deleted from my credit report ; the eight unverified accounts remain on my credit report. The bureau stated in their responses that the accounts were listed as valid ; however, TransUnion has continuously failed to provide me with a copy of the documentation that they have used to verify these accounts as I requested in my letters of dispute. The company has ignored my request, which is clear evidence of their disregard for Federal Law. Section 611 ( 5 ) ( A ) of the FCRA clearly states they are required to promptly delete all information that can not be verified. I am requesting deletion of these unverified accounts. The law is very clear as to civil liability and the remedy available to me ( Sections 616 & 617 ). If the bureau fails to comply with Federal Law, I will have no other choice but to pursue litigating this matter to enforce my rights under the FCRA. 

I have attached the first page of the four dispute letters that I sent to TransUnion, the second page is omitted as it contained a copy of my SSN Card and Drivers License. In addition, it also contained the seal of the Notary that  notarized the dispute 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 explanation
Consumer complaint received 2018-01-10
Company: Nicholas Financial Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There were faults done by both the Dealership I purchased this vehicle from XXXX XXXX as well the Creditor Nicholas Financial. First off thank god the dealership was caught red handed and the government shut them down and a class action was filed. But the dealer offered a warranty that they did not back, I had multiple issues with this vehicle and they refused to fix with the purchased warranty, so I had to return it. And that 's not the creditor 's fault I blame them zero for that so I never approached it. My problem with the creditor is they improperly handled my case. By law they have to notify me that my car was being sold so I have the option to buy. Then it was sold and and any money owed to me or owed to the creditor has never been updated. In their system the original price was roughly {$9000.00} and I owe them {$13000.00} on a XXXX loan. They show no credit for my car being sold taken off of the balance. So they have double dipped on my automobile. They got the car back and did n't credit me for the sale price. Well I searched the vin and contacted the purchaser, he purchased it as is from an auction in north Carolina for {$10000.00}. My question is where is the credit for the sold amount? Please take a look at my file for yourself and see nothing has been updated and I owe {$13000.00} on a {$9000.00} vehicle with NO CREDIT from the sale of the vehicle. The question further in this is did they claim the full {$13000.00} tax loss when they received money from the sale of my vehicle? If this proceeds a further in depth look will be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Texas Guaranteed
State: OH
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 fired from my job XXXX of this year and just received notice from the IRS that they are taking my tax refund to pay an unpaid federal debt. I checked my credit report and my student loans are all in good standing. 

So I tried calling the phone number listed on the screen and the answering system stated that the company I was calling was a debt collector Trellis Company any information obtained would be used to collect the debt. I was never notified by Trellis Company that they were taking my refund. The one and only notice that I received was last week from the IRS after they finally approved my refund. Which puts me in worse financial hardship because now I have no way to pay my rent nor buy food.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Amsher Collection Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Amsher Collections reported a new collection to my credit report in XX/XX/XXXX for XXXX XXXX. They stated that the collection was opened on XXXX XXXX. This is incorrect and they have re-aged the debt. It was originally reported as opened in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Check # XXXX was made out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) to pay rent at XXXX XXXX, a Congregate/Level II SRO program. Resulted in a negative balance of XXXX. An insufficient fund fee of XXXX was applied to my account on XX/XX/2017. I lost my XXXX and federal tax refunds ( XXXX issued on XX/XX/2017 and XXXX issued a week later ). An extended overdraft fee of XXXX was applied to my account on XX/XX/2017, being my balance to XXXX. The bank violated a federal rule that states that if my direct deposit to my checking account comes from the Social Security Administration ( My SSI benefit payments are direct-deposited into my checking account monthly ), that no institution other than the federal government can take any funds out of the checking account to recover a debt. Also, I never sign up for overdraft payments ... meaning that if my account doesn't have enough money to pay for purchase or pay a bill, the bank will cover it but customer must pay back the money within a short amount of time. So much money was taken away from me in fees, which I want reimbursed back to me asap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-11
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: Old information reappears or never goes away

Complaint:
I have accounts on my credit report older than 12 years and I have continually disputed these accounts and asked for the remove but never granted.

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 2018-01-10
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got a Loan with GMAC 14 years ago for XXXX. After 7 years ocwen bought them out and I modified my loan. I am actually losing my house now to a short sale or worse foreclosure. We had a short sale set up and the 2nd, my equity line if XXXX decided to foreclose. The sale was set fir yesterday. However they cancelled the sale and now I think the short sale will take place. But ocwen has said my payoff after all these years of paying is {$610000.00}. The original amount of my loan. Please excuse my ignorance but I do n't know what to do. I 've called them at least 20 times and they always say I 'm right, this does n't make sense. Then they transfer me. I never get anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
Related to Complaint IDs XXXX and XXXX attached is a XX/XX/17 voice recording of XXXX granting the XXXX payment extension. Also attached is a XXXX bill showing XXXX receiving the promised XX/XX/2017 call and never returning this call to make a payment. Also related to attached XXXX refuses to provide the details of its {$280.00} interest calculation. XXXX refuses to honor the attached NYS mandated recall and its recall notices. Satisfactory loan servicing also attached.

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