BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-03
Company: Universal Technical Institute
State: CA
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:
Hi, I am filing a complaint against XXXX XXXX. This debt collection company was hired by Universal Technical Institute to claim a debt that was owed as a result of a private loan to attend school. I have communicated with UTI you told me this would happen and in an attempt to negotiate and inform them that I was not financially able to pay at that time, they decided to choose the debt collection route. This company, XXXX XXXX, reached out in XXXX of 2019 and began calling requesting that I start paying what was due. In XXXX of 2019, they threatened to withhold wages because I was not making payments. It was then that I began to inquiry more about this company. I asked in XXXX what the name of the company was, what debt I owed, what my minimum payment was, and if documentation could be mailed to me to verify the debt was legitimate. The person on the phone agreed so I made a payment to ensure that my minimum would stay low in price. The month of XXXX ends and no paperwork had been sent and no one had called so I began to call to see what had happened. Every time I called I could not reach anyone. In XX/XX/2019, {$100.00} was pulled from my account to pay the minimum and yet I still had not received documentation or a call back. At this time I am calling weekly. In XX/XX/2019, {$100.00} was pulled from my account to pay the minimum and yet I still had not received documentation or a call back. By this time I am calling 2 times a week and still not receiving a call back. In XX/XX/2019, {$100.00} was pulled from my account to pay the minimum and yet I still had not received documentation or a call back in regards to my debt. I am still calling 2 -3 times a week. At this point 5 months have gone by with no documentation verifying my debt or tracking the reduction of my debt. On XX/XX/2019, I called and spoke to someone about mailing documentation and the person I spoke to said they would call me back. Today is XX/XX/2019 and I have not got a call and my XXXX payment is approaching. I am giving them to Friday to reach out before I inform my bank to not allow the money to be transferred. I believe that I have been scammed for 5 months and now I am filing a complaint with this company. 

This is the website of XXXX XXXX and the number they provided. 
XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Lender constantly changes the terms of the loan on a nearly monthly basis then applies bulk interest amounts ; unknowingly to myself and without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly?
Who verified these accounts?
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
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. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2019-05-09
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
my daughter took out loans to pay bills while attending XXXX achool. 3xXXXX. i co signed. i with the assistance of an attorney have requested an agreement for a payoff since XXXX XXXX. i am still waiting for a response. 
my daughter has been making payments since she completed her XXXX and got a full time job. 
do i have any recourse? i am presently writing up a request for release. are there time requirements for a response? i am frustrated with their lack of response. thank you for any assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 was a victim of identity theft, XX/XX/XXXX someone used my identity to apply for a XXXX XXXX credit card. I called XXXX XXXX and TransUnion and explained this was a fraudulent application but they were not willing to help me until now that XXXX XXXX realize it was in fact a fraudulent application. Please remove the hard inquiry XXXX XXXX XX/XX/2018 from my credit report or changed it to a soft inquiry. Thank you for your help! i already placed a fraud alert on my credit report, i hope this help prevent all the fraud that is going on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This correspondence should be included and attached to the ongoing complaint. 

Per XXXX letter attached from XXXX XXXX this happened. 

United Wholesale Mortgage analized my escrow account, refunded an overage and then increased my monthly payment. Is this correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Dealer Funding, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Select Portfolio / XXXX XXXX as Trustee on be half of XXXX XXXX XXXX XXXX XXXX asset back notes are attempting to foreclose on my home with a fraudulent assignment. The assignment contains signatures of robo signers. XXXX XXXX the document control offer signed the assignment XX/XX/XXXX which after the cut off date of the trust. The pooling and servicing agreement filed with United States Securities Exchange clearly states in section 201 that all mortgages need to be conveyed 90 before the cut off date, and this assignment was conveyed 9 years later.They have obtain a fraudulent deed, and the Power of Attorney that I gave to XXXX XXXX in the barrow waive of rights is rescinded through the courts of XXXX  Co.I HAVE NOT GIVEN This Trust or XXXX XXXX rights to sign as my ATTY IN fact.
Select Portfolio has refused to modify or restructure my loan, nor have the responded to my QWR or Debt Validations. I attached what i sent to SELECT PORTFOLIO

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Professional Finance Company, Inc.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In complaint XXXX I have requested proof of the information they are reporting and all that has been offered is a narrative of the account. According to the company the account was " paid in full ''. I do not have recollection of the original debt, the amount of the original debt, the time in which the original debt was acquired, or " paid ''. The company has failed to provide the requested proof of debt but has continued to report the information to the credit bureaus. Simply narrating that a payment was made does not prove they are reporting the information correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09
Company: EQUIFAX, 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 information incorrect

Complaint:
after numerous complaints and disputes equifax continues to report my name incorrectly as XXXX XXXX XXXX XXXX. my correct name is XXXX XXXX XXXX XXXX. also equifax is refusing to correctly update and increase my credit score. even though all credit card balances are XXXX and creditors are being paid on time.they are reporting a XXXX .this score is 117 points lower than XXXX and 112 points lower than XXXX. this has been an ongoing complaint with equifax for the past 3 years. they refuse to update in a timely manner. i was recently denied student loans for my XXXX childrenin college due to the equifax score.i was told i needed at least a XXXX, which the other bureaus are reporting. now they will miss the XX/XX/XXXX-XX/XX/XXXX semester. will i be able to sue them regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: Dealer Funding, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XXXX, purchased an XXXX XXXX from XXXX XXXX XXXX located XXXX XXXX XXXX, XXXX, PA XXXX. Put a down payment of {$5500.00}, and financed {$14000.00} with Dealer Funding located XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. My monthly payments were {$370.00}. On or about XXXX, called Dealer Funding to make loan payment, and was advised by Dealer Funding associate that Dealer Funding can not accept my monthly payment. Dealer Funding associate advised me that Dealer Funding were not licensed in Pennsylvania to issued auto loans, and my auto loan has been transferred to XXXX XXXX XXXX. Requested an full refund, and my account to be a XXXX balance from the associate and advised her Dealer Funding committed loan fraud by providing auto loan to me without being licensed in Pennsylvania. Dealer Funding associate advised me there is not that can be done.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-03
Company: Comerica
State: MO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I receive my SSDI benefits on a ComericA Bank card. For three days I have been trying unsuccessfully log into my account but can not and the password recovery option is unavailable. I am trying to close account to stop fraudulent charges but when I call customer service at XXXX to cancel and get a new card the automated message says because of call volume they can not take my call. I now have NO way to contact this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: EQUIFAX, INC.
State: MD
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:
For the past few years I've been reporting over and over again that I was placed into a hardship forbearance for my student loans and did not have to pay. XXXX and Equifax are both reporting my credit as being late 30,60.90,120 days late and this is destroying my ability to do anything - I have no late payments on my credit report except for this false information - Yes, the payments will still be there but they should be blanked out with no information for all of the months that I was on forbearance ; not show up as late payments - I wasn't late Attached will find the XXXX document ; along with screenshot of how it appears on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: AMERICAN ADVISORS GROUP
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I attempted to refinance my existing reverse mortgage with AAG ( American Advisors Group ). Things went smoothly from XXXX XXXX, 2019. I was working with XXXX XXXX. His AAG office is located in XXXX, CA, and I live in XXXX, CA. From the time I approached AAG on XXXX till the XXXX, Mr. XXXX was responsive to my calls and emails. 

Since XX/XX/XXXX I can not get Mr. XXXX, nor his supervisor, to respond to my calls or emails requesting an update on the status of my loan application. I have copies of the emails I sent and the ones I received from Mr. XXXX until he stopped responding. 

On XX/XX/XXXX I had a counseling session with a representative from XXXX XXXX XXXX. I have the counseling certificate as does AAG. The session cost me {$190.00}. 

On XX/XX/XXXX a notary selected by AAG came to my home and I signed the loan application documents. I have hard copies of these. 

I received a letter about one week after I met with the notary, informing me that my loan application would be nullified in fifteen business days if AAG didn't receive the documents from the notary they sent. I have no way of knowing if AAG received those documents in time since Mr. XXXX and his supervisor have not updated me. 

I would like clarification. Being 'ghosted ' by AAG doesn't seem like a good business practice. 

XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I was admitted to XXXX XXXX Hospital. After I was discharged, I completed the Financial Assistance Application. After reviewing the information, the hospital determined that I qualify for 100 % financial assistance for the time period beginning XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX. 

A representative from the hospital 's Customer Solutions Center instructed me to fax or email the award letter to any physician that sends me a bill and it should be honored. That includes XXXX, XXXX, XXXX, Emergency Room Physicians, XXXX XXXX, and my private physician. 

All account balances were adjusted to a XXXX  balance except XXXX XXXX XXXX. I've contacted the company multiple times and they refuse to act in good faith by honoring the award letter. I tried contacting them again this year but the phone number is no longer in service. 

On XX/XX/XXXX, I requested a copy of my credit report from XXXX and discovered that Collection Service of Athens is reporting an amount owed {$290.00} with a balance date of XX/XX/XXXX. I sent XXXX  a certified letter including supporting documents disputing the amount of the debt XX/XX/XXXX, however, the credit reporting agency never responded. There's a comment on my credit file that states " Consumer disputes this account information Medical ''

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 2019-10-03
Company: Fidelity National Information Services, Inc. (FNIS)
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: Reporting company used your report improperly

Complaint:
This customer service is horrible I cant open any bank account with no banks checking they tell me to call XXXX because of if theft alert on my social security number that XXXX is providing to these banks they refuse I called them and they say the same thing this is not fair when are my concerns going to be resolved this company XXXX and couldnt care less for me because they dont fix this issue I have proof from a bank that declined me stating the reasons and contacted this company to try and resolve this issue they say their is nothing they can do they play games with me and the banks refer me to this company to have this fixed with their system reporting internally id theft security alert do not open an account at this time the bank showed It to me and in a letter

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 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 2021-09-17
Company: Experian Information Solutions Inc.
State: OH
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 filed several disputes with experian. On XXXX XXXX XXXX XX/XX/XXXX of 2021. Although each have been found in my favor because I have never missed or had late payment... On my experian credit summary it shows a late payment and on my XXXX score XXXX it shows few accounts paid on time and serious delenquency and on additional XXXX scores bad payment history, missed payments and serious delenquency. The disputes all found I was never late, I never missed a payment and the account was closed at the time they claim this happened.

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 2017-11-19
Company: Experian Information Solutions 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:
The following is wrongly reported and was not my account. It was identity theft. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, 2017 {$410.00} {$410.00} XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX. 
The above account does not belong to me and it keeps on being submitted to the credit agencies, Experian and XXXX. I have filed for disputes and it has not gone away. Also, i need to complain about Experian since it has a major discrepancy in my credit report compared to the other agencies. EXPERIAN-XXXX ; XXXX-XXXX and XXXX-XXXX. I asked them why such a discrepancy but they said they ca n't do anything about it. Please assist me. Thanks

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 2019-05-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to take off my fraud alerts

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 2019-05-22
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:
About 9 months ago I put a fraud alert thru another company to alert that my identity was compromised. I resolved the issue and the fraud accounts were removed from my credit report. 

I have been having issues getting this company to remove the fraud alert. I wrote them several letters and they actually send me letters saying that they are placing another fraud alert on my credit report. 

This is giving me a problem because I can't obtain credit, and I have had credit rejections due to these fraud alerts.

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 2022-08-11
Company: The Bureaus, Inc.
State: GA
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:
Information on my report is not being removed in timely manner

Company response to consumer: Closed with explanation