BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-04
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX XXXX, I received an alert from all three credit reporting agencies that an item was placed on my credit. Upon investigation, it was evidenced that XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, reporting a collection matter of {$1100.00} to the various credit reporting agencies on XXXX XXXX, XXXX. The original creditor 's name on the collection matter is CashNet USA. 

On XXXX XXXX, XXXX, I contacted XXXX XXXX XXXX and spoke with XXXX XXXX XXXX to obtain clarification of the item placed on my credit, as I received no prior calls or letters from XXXX XXXX about this debt, giving me the right to dispute or understand the claim. I was told by XXXX XXXX XXXX that they spoke with me in XXXX XXXX, for which I have no knowledge of, and I made him aware that I had no memory or recollection of any discussion with XXXX XXXX about this debt. I have received strange threatening voicemails with disguised voices, which I have ignored and for which I can not say the origin of these calls, but I have not spoken to XXXX about this debt. 

XXXX XXXX XXXX informed me that this matter is about a payday online loan obtained from CashNet USA around XXXX XXXX and became delinquent in XXXX XXXX. While I do recall using CashNet many years ago, I have not heard from CashNet or any other XXXX about a balance owed, and a request at this time is extremely strange. CashNet debits and take monies out of your account to settle your obligation to them. Also, I believed this debt was settled. 

I asked XXXX XXXX XXXX to provide proof of an outstanding balance and how this was determined, as I have no records dating back to XXXX. He made me aware that he has no obligation to provide such information and that I should contact my bank to provide me with statements. My account has since been closed. Even banks statements by themselves would not tell but would only show that CashNet debited my account excessively with high interest amounts. A statement of account showing original loan, terms and repayments, plus any add on fees equaling the balance would help. 

I was recently informed that such loans are not legal in Virginia and the loan is void. I believe CashNet and XXXX XXXX XXXX is fully aware of this situation. CashNet and or XXXX XXXX XXXX should provide proof that this loan is n't void, and until documentary proof of a debt and that the loan is n't void, I do n't think they should be putting this on anyone 's credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
ExperianDate XX/XX/XXXX, 2017Report # XXXXRight Address on report: XXXX XXXX XXXX XXXX XXXX XXXX XXXX                                        XXXX PA XXXXWrong: XXXX XXXX XXXX XXXX             XXXX PA XXXXThis is not the right address and needs to be removed I have provided the one I live at and is right. There should not be this many address showing wrong or not right.

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 2019-05-18
Company: Ocwen Financial Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
IN THE PAST 3 MONTHS I HAVE PAID ALL MY CREDIT AS WELL MY 2013 COLLECTION > I BELIEVE THAT MY SCORE IS NOT REPORTING PROPER > WITH ALL DEBT PAID OFF ONLY OWEING AUTO AND SMALL PERSONAL LOAN > NO RC. MY SCORE SHOULD BE EASY IN THE 700 RANGE AND NOT THE MID 600 'S. XXXX NEEDS TO RELOOK AT MY CR AND SEE WHY IS STILL THE SAME AFTER PAYING ALL MY DEBT OFF.

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 2017-07-27
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX we received a PAST DUE PROPERTY TAX NOTICE for tax year XX/XX/XXXX, due XX/XX/XXXX -- A Time Period For Which Ocwen Was In Fact Servicing Our Mortgage & Our Escrow Account. THE AMOUNT DUE AS SPECIFIED WAS {$190.00} We forwarded the notice to Ocwen. Ocwen made payment from our Escrow Account ; However, They OVER PAID! On XX/XX/XXXX, Ocwen deducted a " Property Tax Disbursement '' of {$240.00} On XX/XX/XXXX, Ocwen credited " Tax Credit '' of {$42.00} On XX/XX/XXXX, Ocwen deducted a " Property Tax Disbursement '' of {$24.00} Ultimately We Had {$240.00} Deducted From Our Escrow Account For A Tax Bill Of {$190.00}. When We Contacted Ocwen We Were Told The {$42.00} " over payment '' was not an over payment but was payment of Interest & Penalties -- - HOWEVER THE TOTAL AMOUNT DUE WAS {$190.00}. OCWEN DEDUCTED {$42.00} TOO MUCH FROM OUR ESCROW ACCOUNT! We Have Yet To See A Credit On Our Escrow For The " Over Payment '' And Have NOT Received A Refund From the County. I Have Provided/Attached A Copy Of The Tax Notice & A Copy Of An " Escrow Disbursements & Payments '' Statement As Provided By Ocwen -- The Two Document Show An Obvious Discrepancy in The Amount Ocwen Removed From Our Escrow Vs The Amount Due. It Also Shows That Ocwen Has Failed To Correct This Issue Dispite Having Had It Brought To Their Attention! OCWEN CHEATED US OUT OF {$42.00} BY DEDUCTING MORE FROM OUR ESCROW ACCOUNT THAN WAS DUE & NO REFUND OR CREDIT HAS BEEN PROVIDED!

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 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. THIS IS ALSO STOPPING ME FROM ACCOMPLISHING A LOT OF THINGS THAT I NEED TO ACCOMPLISH AND IT IS NOT FEAR TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I need information on 4 checks from XXXX to XXXX, 2016-Ive called 10 times. I get hung up on after 30 minute holds. Contacted manager 5 times-no return call.

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 2018-01-04
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good evening - I have contacted this company a total of FIVE times since XXXX of 2017 regarding two debt collection accounts on my credit reports. The latest certified letter was sent to TransWorld Systems on XXXX XXXX, 2017 requesting validation of the alleged debt, as well as proof that this company has the legal authority to collect the allege debt on behalf of the original creditor. I received a letter billing ledger as validation. This ledger does not  assign the debt to me. I have yet to hear anything back from TransWorld once I told them that the handwritten ledgers did not assign this debt to me. This company still has neglected to include proof that they have the legal authority to collect the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have not received my overpayment refund from Ally. I refinanced my car back on XX/XX/XXXX with XXXX, they paid off my loan with Ally a week later. On XX/XX/XXXX, I canceled the extended warranty with the dealer and they sent my refund to Ally since they were my original finance company. On XX/XX/XXXX, I was able to confirm that the check was received by Ally ( based on the dealer the check was received and cleared ). I have called Ally several times regarding my overpayment refund ( extended warranty refund ) during the last couple of months and I still have not received it, it has been almost XXXX months since the loan was paid off with Ally and they should not hold my overpayment refund any longer. Every time that I had called, they continue giving me different dates. I called them on XX/XX/2021, XX/XX/2021, XX/XX/2021, and twice this month at XXXX. The last update was that I was supposed to receive the check on the XXXX however I still have not received 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 2019-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On last Thursday, I went to the car dealership to try and buy a new car. I was denied the loan because of bad things on my credit I went and got my credit report done and there were several things that were not mine. I need those things taken off quickly, they are affecting my credit. I have already called the police here and the FTC. XXXX 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
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a XXXX letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2019-09-27
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This bank has discriminated against me numerous times they respond saying I cant have an account when I never had one Im avictim of identity theft their credit department told me to apply for a secured card which I have and their fraud department is very nasty to me Im tired of they esybim treated by then they refuse to process my application. And their credit department says I should build a relationship but they wont allow me this bank is crazy must be investigated they tell me to write them a letter like I have time for that to their office Of the president I wish they would contact me in regards to this this is not nice the treatment and lies of this bank they arent horibke I wish they went out of business

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 2019-11-05
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the 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 2019-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
we sold our home & got a pay off from Bank of America & when we got close to closing our attorney spoke with the clerk at the records office to & discovered that BAC had no mortgage lien recorded on our property but Countrywide had a lien instead. 

caused a large problem that caused a lot of stress & attorney costs & re took the chance of paying Bank of America the balance of our loan  that they did not have filed hoping they would pay off the Countrywide loan they never handled properly to make matter worse XXXX XXXX serviced this loan & would not help us either after many hours of the phone with both XXXX XXXX & bank of America/Merrill Lynch, who gave us no help and a lot of lies & broken promises

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reporting unverified and inaccurate information on my consumer report that is hindering my ability to conduct business transactions and is harming my consumer reputation. Reporting alleged debt of {$420.00} when I have no written contract with PORTFOLIO RECOVERY ASSOCIATES. Violations of 15 USC 1692b ( 2 ) -stating that I owe a debt. Violation of15 USC 1692b ( 5 ). Violations of 15 USC 1692d ( 1 ) harming my consumer reputation. Violation of 15 USC 1692d ( 2 ) using obscene language that I, the consumer abusive. Debt does not belong to the consumer XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
*THIS IS NOT A DUPLICATE* My family was in an accident XX/XX/XXXX, we were almost in a head on collision with a driver who was under the influence of drugs. I reported the incident to my insurance company and I called the finance company in charge of my account which happens to be Ally financial. I told them the situation about the car and that the car was totaled. Each time I called I spoke with a different person and had to explain the situation all over again. For some reason they refused to move the account to total loss even though I gave them all the information I had and my account continued to accumulate interest and fees and debt. I sent them a {$10000.00} insurance check that I confirmed that they received and still refused to move the account to total loss so that the accident can be reported to my gap insurance so the remaining balance can be paid for. Now they have reported on my credit negatively so much so that I cant dispute it because had they turned my account over to total loss earlier than allowing it to go into collections, the account would have been paid off. Today, XX/XX/XXXX, I spoke with a XXXX from the Ally Financial Redemption Team and his employee ID is XXXX. He confirmed that my total balance is {$44000.00}. He was going to give me a breakdown where all those fees were coming from but I told him I didn't want the total breakdown because that amount shouldn't be that amount, it should be way lower than that because they should've added this total loss. He also kept asking me if I still had the vehicle even though one of Allys representatives had already confirmed that they had the vehicle that they got from the junk yard, which is on their recording. On XX/XX/XXXX my husband found a link on Ally Financials site which allows a person to file a claim for gap insurance. The XXXX XXXX that we owned had gap insurance but this option was never told to me because the representatives never handed my case over to the total loss department after the accident. I have previously spoken to several supervisors and managers who said they were going to get it escalated to total loss and I had even spoken with someone from the total loss department one time and nothing ever came from it after that, no follow up calls, nothing.

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 2018-01-04
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation