BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my 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 2023-01-11
Company: Paypal Holdings, Inc
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They are trying to hold my money for 180 days it's mine i have been trying to tell them let me have my money an i will close the account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: The CMI Group, Inc.
State: NC
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:
On XX/XX/17 I sent a letter via certified mail to Credit Management , LP. It was received and signed by someone from the company on XX/XX/17. In the letter I was requesting validation of a debt that was listed on my credit report for Acct # XXXX. In the letter I also requested from Credit Management : the agreement from the company they are collecting for showing that authorizes them to collect on this alleged debt, the agreement that bears signature of the alleged debtor wherein promises to pay the creditor. Complete payment history on the account to prove that the debt amount is correct. I have yet to receive a response or documentation verifying the debt from Credit Management , LP since requested over XXXX days ago.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen is attemoting to llegally foreclosed my loan, ignored my complaints, and have sold off the servicing rights to my loans and are trying to initiated the foreclosure process before completing a review of my loss mitigation applicationsFees and the Dates alleged simply cant be for what you stated above due to the fact that your explanation of when the fees could be incurred does not match the timeline of my property and the actual activity there. There is no way certain fees could have happened when you are stating, and I can prove it because I have been living there and can prove that there is no way anyone inspected anything, no maintenance was done. definitions of fees and what there for, but didnt state the ammount of each fee. And the ammount charged for each fee changes seemingly at will for no reason. While the fee title remains the same, the ammount charged for the same type of fee drastically changes. 
.there has been absolutely no communication or effort put in on your part to contact me an alert me that any of this was going on so that I might have been able to prevent these charges from being made. I was prayed upon by your ocwen because of the literal contradictory resistance i have met for 2 years to gain access to the account or find effecgtive communication with them at all. The fact that this account was inherited and XXXX XXXX is XXXX  I believe it was believed by there company that I, and my property could be written off as already won and that yall were just waiting for the time to pass by until they could sieze the property. 
I have not been given any oppurtunity or a fair chance to abide by any terms or conditions, and it is wrong and terrible to think that OCWEN/PHH/XXXX  is and would try to take this from me without giving me a fair shot. 
So no, your fees were not correct and i object and reject their tatement and challenge it fully. 
I am not trying to escape a debt, I am trying to get a fair chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Collection Bureau of America Ltd.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My Name is XXXX XXXX XXXX ( This is an important not as many systems can not take the XXXX in there system and it causes confusion with both my father and grandfather XXXX, XXXX which are still living ). 

So in XX/XX/XXXX i was notified of a debt collection from XXXX XXXX being collected by the Collection Bureau of America ( NMLS ID : XXXX ; XXXX XXXX XXXX XXXX, XXXX CA XXXX ). So i called the collection company to get the details of what was happening and discovered that this was a case of mistaken identity. 

During XXXX at the XXXX XXXX XXXX i did a rent to own water cooler from XXXX XXXX. When i graduated in XX/XX/XXXX and started working i paid it off. My father wanted to keep the water cooler so we transfer the account over to him. However, in having the same name and not being able to distinguish between the XXXX and the XXXX. Nothing changed. At this time the account was paid off and transferred. 

Fast forward to Fall of XXXX my father made transactions on the account, that was now his that XXXX   XXXX never changed the finance information for. This was never a transaction that i authorized or was even knowable of. I have not live at XXXX XXXX XXXX, XXXX md XXXX since XXXX. So i called XXXX XXXX to make them aware of the issue and they acknowledge the mistake but since the account had been sent to collections and after escalating through various levels of management they did not know how to handle this situation. I then had them look at the payment method of how the account was being paid as proof that it wasn't me and indeed the account was linked to my fathers debit card. I talked with Collection Bureau of American as well as did my father to clear up this matter up. We did this on three separate occasions in XXXX and the collection agency assured me that they would remove it from my credit report. I also filed a dispute with XXXX about this claim but because of the name and the fact that i lived there and the limit texted to explain this situation. I got no where with this either. After multiple check to my credit report over the next year this transaction was never removed. When call back to XXXX XXXX i was repeatedly ensure that this was being address. However, once the case worker was changed all was forgotten and i am left with no other option. I contacted a lawyer about this matter and they pointed me in the direction of this website. 

I also asked the collection agency to provide proof that i authorized this transaction. What they sent to me was the original document in XXXX. What i pointed out to them is that the activity for which this seems to be associated with is 10 yrs after the transaction that I authorized when i did own the account. This should have been a rather large red flag. I then asked them does it seem plausible to be collecting a debt 10 years after the fact when the amounts don't even align.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Experian Information Solutions Inc.
State: SC
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:
SENT IN DISPUTE DOCUMENTS VIA USPS CERTIFIED MAIL, AND WELL AS THROUGH EXPERIAN 'S UPLOAD PORTAL 2 MONTHS AGO. I AM SUBMITTING THESE DOCUMENTS ON MY OWN BEHALF. I WILL ASLO UPLOAD THEM IN ONLINE. PLEASE DO NOT SAY THIS IS A COMPANY SUBMITTING THEM. Send in information via CFPB to update my address to prevent any future access to my sensitive information. I've had several attempts of someone trying to open accounts in my name because I was still receiving prequalified offers in the mail at a previous address. I've purchased a home and no long want to receive promotional offers from companies that Experian allows to do a soft inquiry on my credit profile. I would like for Experian to block and remove any inquires that didn't originate from me as well as update my current address to show accurately. Several accounts were successfully opened in my names that are fraudulent and Id like to that them removed immediately. This information is listed below, both accounts and hard inquires that are a result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
Company: HYUNDAI CAPITAL AMERICA
State: NY
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:
On XXXX XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX - XXXX as contact number on report ) requested my credit report. 

On XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, XXXX ) requested my credit report again without any authorization or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$2700.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$1000.00} -This is not my account.

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 2019-11-13
Company: SLM CORPORATION
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had a repayment plan with Sallie Mae in which I had auto payment set up with my bank. That payment went out every month with out fail, and as long as I have been with Sallie Mae I had not made a late payment. Well after I graduated, they changed the repayment amount without sending me any notification of the change. I had not worried about the change, as the last documentation I have from them stated that my payment would not change until 6 months after graduation ( with all of my federal loans ). As a result, they marked my accounts as " unpaid '', even though my payment was still being sent ( just not the new amount ). They finally called me in XXXX, and I promptly called them back. The new payment amounts were much more than I could pay, so they worked with me to decrease the interest rate and reduce the payment amount. But, at the same time I called them they reported all of my accounts as " 90 days late ''. The issue with this is that it negatively decreased my credit report causing my revolving accounts to be decreased giving me less options to look for better options than Sallie Mae. On the calls with the people from Sallie Mae, they stated that once I made 3 payments in this new plan, the 90 day late 's would be dropped from my reporting. This was not the case, and it still shows as late. In addition to this, it does not seem right that Sallie Mae can charge higher rates on private student loans, yet they aren't really treated as a private loan ( that could be available for bankruptcy ). I hope that I can continue making the payments to Sallie Mae, although with their negative effects on my credit, and their inability to offer any repayment options like the Federal Loans, I am not sure it is possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Experian Information Solutions Inc.
State: MS
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:
Experian is reporting a debt that is not mine, I never lived in the state or the address that the account was opened. The debt is {$400.00} and I have contacted both Experian and the XXXX XXXX and has not received a response to my compliant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FTC VIOLATIONS CRA 2 SOCIAL SECURITY ALL MAJOR VIOLATIIONS

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 2021-01-30
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
PNC Bank implemented various " enhancements '' XX/XX/2018. The ability to make an online payment to principal was eliminated and not enabled until late XX/XX/2018. My XX/XX/XXXX statement, received XX/XX/2018 did showed neither my payment to principal nor the automatic payment draw from my checking account. These two debits were shown correctly on my checking account. I contacted PNC by phone and traveled to two separate branches to determine what had happened. ( A log of contact events, telephone conversations, phone numbers and summaries for each event is attached. ) I was informed on XX/XX/2018 that my issue was to be addressed PNC Bank 's Retail Escalation Department. It was assigned complaint # XXXX. On XX/XX/2018 I called the Retail Escalation department to get the status of the complaint. Phone requests for this information made on XX/XX/2018 and XX/XX/2018. I was informed PNC Bank had closed the complaint. I asked if I would now be able to make online payments to the principal without further difficulties. I was told I can only make payments to the principal only, either online or at a PNC Branch office, if the payment is executed after the automatic draw from my checking account and before the statement is generated on the last day of the month. I asked if this would be changed in the near future to allow for payments to principal to occur at the customer 's convenience. I was told there are no plans to change the current status. 

My automatic payment draw is scheduled to occur on the XX/XX/XXXX of the month but has been as late as the XX/XX/XXXX depending of holidays and weekend. This coming XX/XX/XXXX there will be 2 day in which I can make a payment to principal, the XX/XX/XXXX and the XX/XX/XXXX. 

I find this recently implemented policy that narrows the payment window to be unacceptable. It has all the appearances of a method to inhibit accelerated loan payments thus providing a means for PNC Bank to earn more interest on their HELOC. 

I wish to see this policy abandoned and the online payment option allowed to occur on any day of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
Acct is closed and paid for less. 
American express recently reported a late payment which is in correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i have submitted a letter to transunion on XX/XX/2018 regarding the negative items on my credit report and ask them to verify them bearing my signature within the 30 days allowed by law.i haven't received any information concerning this as of XX/XX/2018

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 2017-08-11
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have responded and sent out dispute letters to company Ability Recovery Service for XXXX College. XXXX College stating that I owe them {$1300.00} in payments for classes that I never attended. I was a victim of identity theft and have present an police report to the credit bureaus to put on my file. They have my phone number and mailing address that they are sending this information to and I have not done any business with them. I have explain in my letter to Ability Recovery Service collection agency that I do n't owe the money for this debt. Per the collection agency XXXX College wants me to call them and explain the situation to them, but I sent dispute letters to them and the credit bureau to get this collection debt off all three credit bureau and I have not had any luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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: Information belongs to someone else

Complaint:
My identity was stolen and used

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 2020-09-06
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My Wife and I obtained a loan in XXXX. Mr Cooper Loan Company later took over the loan and stated that the loan agreement rules from the original loan company will remain the same and said there will be no changes. When we obtained the loan we were told the loan would mature in XX/XX/XXXX and that would be the end of our loan and it would be paid in full. The Company never indicated that we would have to start all over on a new loan 15 years later XX/XX/XXXX to pay the loan off. Suddenly in late XX/XX/XXXX Mr Cooper loan company is sending us notices about about Continuing Payments when the loan was supposed to be Complete and paid in full in XX/XX/XXXX. My wife and I did not agree to keep paying anything after XX/XX/XXXX. I am asking you in good faith to look in to this loan for me and help me resolve this matter to end this practice. Thankyou in advance. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: World Acceptance Corporation
State: TN
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:
These accounts have been transferred or sold. According to my research, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

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 2020-09-06
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The web service is unable to handle correctly provided information such as PIN numbers and the result is that I am now locked out of managing my freeze, which I had managed just fine 2 months ago. 

I even setup an account with them, can login, all they do is try to sell me new services instead of using my verified credentials to help me manage the freeze. 

Their mistakes and bad web services is costing me real $ $ $ s Their phone numbers fail to clear the maze of options for me to speak to someone. 

This is unacceptable, I don't need them but I am forced to handle their failures.

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 2015-04-07
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
NATIOSTAR MORTAGE IS REPORTING FORECLOSURE AND JUDGEMENT ON MY EXPERIAN CREDIT REPORT SINCE XXXX.

Company response to consumer: Closed with explanation