BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-25
Company: BELING & ASSOCIATES
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I paid a law firm XXXX Beling & Associates XXXX to litigate or otherwise resolve private student loans for consumer rights violations made by the private student loan companies. I have a contract with the attorney 's office which lists those loans. I was recently sued by one of the private student loan companies for a student loan which is in the contract and which my attorney was supposed to be negotiating ( I have the contract and e-mails with the law firm regarding the potential settlement of these loans with the servicer ). Upon receiving the complaint filed by the student loan company, I tried to reach out to my attorney both by phone and e-mail, several times, and have yet to receive a response in over 6 weeks. They have also taken no action with regard to the lawsuit filed against me and I am currently handling the matter pro se,  in spite of already having paid the law firm to deal with this loan. There is a second pending action against me ( I have not yet been served but service was attempted ) for another loan listed in the contract with Beling & Associates, which was also supposed to be in the process of negotiation, or that was the status of these loans based on the last correspondence received from Beling & Associates. 

Payment amounts ( I have bank statements confirming ) : XX/XX/XXXX - {$420.00} XX/XX/XXXX - {$420.00} XX/XX/XXXX - {$420.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} I made attempts to contact this firm by email on the following date ( I have copies of the emails ) : XXXX XXXX XX/XX/XXXX XX/XX/XXXX I made other attempts to contact this firm by phone. I can provide phone records of those but I do not have the exact dates at this time. Every time it says that I can not leave a message because the mailbox is full.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-29
Company: Ameritech Financial
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I've signed up with Ameritech Financial since 2016 and been making payments every month. I received a letter last XXXX stating that the company was closing. I paid at least XXXX grand towards my student loans just to take notice that my payments weren't even going to my loans. Now I lost all that money I paid out to start all over again on loans that I could have maybe been finished with paying off. This is really not fair and too much money has been wasted. I would really like my money returned to pay towards my loans.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-30
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:
cra violation inaccurate information not mine no knowledge of the credit reported also disputed to ftc sent pr report to all company involved

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 2017-08-03
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had been getting incessant calls from Phoenix Financial Services regarding an unpaid debt for an emergency room visit. I had informed them multiple times of the status and why it has gone unpaid ( there is a pending lawsuit ). XX/XX/XXXX, Phoenix Financial Services called me and I asked for a verification of debt. I never received one, yet they called me again on X/X/2017 to inquire about payment. I informed them that I had not received their verification of debt and that they were breaking the law by calling me. They said that they had sent it already so it was not breaking the law. I asked them for a tracking number, but they did not have one. This leads me to believe they did not really send the requested verification.
In addition, the telephone agent was rude and was routinely spoke over me. I asked if she was going to allow me to speak and she said no, so I hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Resurgent Capital Services L.P.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent paperwork from irs and from one credit bureau proving of fraudulent activity. They will not except it and take it off. LVN funding for a credit one bank. Please help I am a widow and on XXXX  and only get {$1000.00} a month

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/XXXX a letter was sent to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX requesting a hard inquiry be removed from my credit file. Inaddition, the same inquiry was disputed with Equifax ( credit agency ). XX/XX/XXXX a response letter was received from XXXX XXXX XXXX ( Credit Bureau Specialist ) requesting additional information ( i.e. Credit Reporting Agency Name, Social Security Number, and Specific Inquiry Date ). XX/XX/XXXX a follow-up letter was received by Specialist XXXX stating the inquiry was valid. Neither XXXX nor Equifax have provided any proof of validation from their investigations. XX/XX/XXXX, I contacted XXXX XXXX by phone and spoke with a supervisor and a different Credit Specialist who stated no records of this inquiry was on file. However, my current credit file shows different. I 'm request the removal of the specific inquiry from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Ameritech Financial
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I consolidated my loans with a company called Ameritech Financial and signed up on XX/XX/XXXX. They started charging me fees on XX/XX/XXXX and told me that these payments would go towards paying down my loan. They told me if I kept paying through them for 25 years that whatever I had left to pay on my loans would be forgiven. I paid them all the way up until XXXX of XXXX and they charged me a total of {$2900.00}. The FTC sent me a letter stating the company was a fraud and was not paying our loans. I went to log into my loan service provider XXXX and saw that they had not made any payments on my behalf, but just simply put a forbearance on my account. I called them today XX/XX/XXXX to cancel my account with them and they said they will get customer service to call me back within 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be removed from my report as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
XXXX XX/XX/XXXX, I accepted Capital One 's Balance Transfer Offer of {$3300.00} to be paid to my XXXX XXXX XXXX XXXX account. I did this transaction on the Cap 1 app & I know that I entered the correct account number as well as the mailing address. I had to look up the address off of my statement & I triple checked all information. I received notice from Cap 1 on XXXX XX/XX/XXXX that the transfer amount of {$3300.00} plus the {$99.00} fee was placed on my Cap 1 account. I did not see the balance transfer amount of {$3300.00} being reported on my XXXX XXXX account. I waited for my next statement incase it was taking a bit longer to process. By XXXX XX/XX/XXXX, the payment had not been received by XXXX XXXX  XXXX XXXX XXXX XXXX acct ). I called Capital One on XXXX XX/XX/XXXX to inquire where the payment was. 72 minutes & 3 representatives & 1 supervisor later, all they could tell me is that the check has been cashed. I explained to each rep that the receiving account has not received the payment therefore Cap 1 must have sent the check to the wrong company. They would not give me any information to where the check was sent. I finally demanded Cap 1 to open an investigation but I have yet to hear anything. I am now paying two credit accounts for the same amount, at this time have incurred {$400.00} in interest charges on the account that was to receive the balance transfer amount & I have paid the {$99.00} transfer fee for money I never received. I am pay a lot of money for something I have not received & I am not getting any results from Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-05
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After the transfer of my mortgage loan servicing to PHH Mortgage, I discovered when attempting to schedule my third payment online, that they charge an " up to {$7.00} '' fee for online payments if not enrolled in paperless statements. This fee appeared in the mobile application as an " Included draft fee ''. There is a link in fine print to view the fee schedule, but the new fee was a surprise when I logged in to make a payment. Although PHH Mortgage offers cheaper payment methods, charging up to {$2700.00} over the course of a 30 year loan for electronic payments is ridiculous, particularly when electronic payments are regularly accepted online at no cost for consumer loans and mortgages. Electronic payments are certainly cheaper to process than other payment methods, such as checks ( accepted with no fee ), so an argument that the fee offsets the actual cost incurred by the mortgage loan servicer does not ring true. Fortunately, I was not in a position to need to expeditiously schedule my mortgage payment to avoid a fee, since changing my statement delivery method to avoid the fee takes three business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I tried to make an international transfer from my citibank account to my son 's bank in XXXX. When I entered the information on Citibank 's website, I entered the correct routing number, account number, name and phone number, but the incorrect Swift code popped up, this number was pre-populated by citibank online, not myself. When I corrected the swift code, an incorrect routing number populated- i was unable to manually correct that. When I called the bank in XXXX they told me that the routing number and account number were most important, so I let it go through with the incorrect swift code-which, as I said was pre-populated by citibank automatically. This occurred more than a week ago. I waited a week, I kept asking my son if he received the transfer. I called citibank yesterday and they told me that there was a problem with the routing number, I called them back later that night and they told me that the wire unit was closed, I should call back the next day. I called again today and spoke with the wire unit. They agreed that the swift code was incorrect and they could not change it. The money had been sent back to citibank. The bank in XXXX had charged a {$25.00} dollar fee and citibank is charging me a {$35.00} dollar fee ( for transfer that didn't happen ) and they will put back the refunded money in my account at today 's exchange rate, not last weeks ' exchange rate, which gives me a net loss of {$200.00} XXXX plus the two transaction fees. They told me that they will put through an inquiry to see what happened and they may or may not accept responsibility. Of course they did not make any attempt to contact me in the past week to tell me that there was a problem, or that my money had been returned to them. I had to make three phone calls to find that. I do have a complaint # XXXX. 
I would appreciate any help you can render.

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 2020-05-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I filled a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
The Initial dispute was sent on XX/XX/2020 while the 30 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX ; I made complaint with the CFPB : After over 20 calls to Lender, I can not seem to get any attention from Fifth Third Bank. I have a XXXX owned loan on my home service by Fifth Third. I entered the Forbearance program at the beginning of the pandemic when it was offered. I was able to miss 6 payments but I made 3 of the 6. The Bank and I elected to add the missed interest ( it's an interest-only loan ) payments to the end of the loan ... .and normal payments were to re-start on XX/XX/XXXX. Fifth Third charged my for an payment in XXXX incorrectly as it was still part of the forbearance period. Their own correspondence agrees with this date. I've made all of my regular payments since XXXX. Not only does the Bank list an erroneous payment ( that was part of the forbearance period ) ... they have now reported it to the credit monitoring agencies and are harrassing my by mail and phone. I believe this to be FRAUD. If they would only spend a little time on this ; they would find out their mistake as it is clear in their correspondence. They are trying to collect 13 payments on this loan in XXXX. 

The Loan officer assigned this loan never returned my have dozen calls in the last weeks. Yet, the Bank officers I was able to speak with agreed the Bank was in error. Fifth Third responded to the CFPB complaint but not to me : the customer. After making all of my payments on time since the end of my deferral period ; the Bank has returned two of those payments ( as their servicing system can not catch up with the solution to this issue ). I have only received one of those refunds and NEVER CASHED THE CHECK ... so the payment is still at Fifth Third. I will NOT cashed the second returned payment if/when I receive it. This mortgage is current and on-time. The Bank, WITHOUT my request or authorization, has processed a further Deferral on my Mortgage. I neither asked for that nor will I accept it. I believe Fifth Third remains in a Mortgage Fraud situation and they could resolved same but just communicating with the customer on any of the calls I make almost every day!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION XXXX XXXX XXXX  ACCOUNT BEEN DELETED AND PUT BACK IN / NO KNOWLEDGE OF THE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: EQUIFAX, INC.
State: WI
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 was informed that my data had been released/breached by Equifax. I attempted to file a claim for compensation after verifying that my data had been compromised, and I was emailed saying my compensation request for {$120.00} was denied, with no further recourse, and I had no email confirming my submission to the class action. 

I sent an email complaining to the company in early XXXX, and received no response. Was this another scam to collect SSNs and no intention of honoring their settlement? I cant even get credit monitoring now, and may miss the action deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original creditor have made unwarranted claims, especially when most of the maintenance and walk throughs were not allowed anymore, due to COVID-19. Only emergency maintenance calls. The debt balance includes mostly maintenance charges that we had to call in and report. They turned the maintenance reporting off via their online portal. There were no ways to report maintenance except for calling in. and replacement of carpet. However, when it comes to the maintenance, we were informed that our maintenance calls were not emergencies and they were left unattended, again due to COVID-19. The Apartment complex were not doing walk throughs anymore at the time to hand in the keys and vacate the unit, due to their new policies, again to due COVID-19. The breakdown of the additional charges includes all of the maintenance issues we had informed them about. The fact that they are now charging us for it, is stealing and against their own changed policies, due to COVID-19. The creditor claims that the charge for carpet replacement should be ours. However, the carpet was left in good condition, we did not destroy anything that it needed to be replaced or fixed. There is no proof of that and we did not sign off on something like that. Again, there was no walk through, because per the creditors new policies, due to COVID-19. I am willing to pay what is warranted, which only includes the following : water reimbursement, trash out, garage cleanout, dry wall repair from tv mount. I have included the copy of the additional charges so you may cross reference with the list above to the charges. My portion comes to a total of {$280.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Aspen National Financial, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

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 2021-02-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The account listed as past due with XXXX XXXX XXXX XXXX XXXXXXXX is inaccurate. The account was a HELOC and now has been adjusted to a fixed rate 2nd mortgage. The account is current and being paid as agreed. Correct this mistake ASAP XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation