BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: Finance System of Toledo, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This occurred on Friday XX/XX/2022. Finance Systems of Toledo has contacted me about medical debt owed to a dentist. On more than one occasion, I told the debt collector ( XXXX XXXX ) that the amount owed is incorrect as I have already paid for the service but XXXX was still insisting I pay the entire amount he was billing me for, which included the amount I already paid. I have yet to receive an updated bill reflecting what I've already paid. Previously, I had asked XXXX what the amount of time I have before this is reported to the credit bureau and XXXX said he didn't know. I asked for a validation of the debt I owed and I was mailed information from the dentist that included protected health information which was sent in XXXX, prior to my knowledge of the debt collection. I contacted XXXX to let him know that this information is a HIPAA violation and my rights were violated when the agency obtained this information. XXXX said that that wasn't true and I must not want to pay my debt, which is the second time he has said that. I reiterated that the amount I'm being told to pay is incorrect and asked to speak with his supervisor. 

When I spoke with his supervisor, I relayed that my rights were violated by my private health information being given to an entity I did not give consent for my information to be disclosed to. His supervisor said if I didn't want my information being given out, I should just pay my bill on time ( a bill I've already paid ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: JAMES B. NUTTER & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
After speaking with a CFPB agent yesterday, XX/XX/2022, I asked the question ; Should I have been offered a formal written Forbearance Agreement in order to negotiate my delinquent mortgage payments instead of a general mutual acknowledgment of intent to sell the property on my own terms? 

The conversation I had with XXXX XXXX XXXX in the loss mitigation Dept @ JB Nutter makes no mention of Forbearance, only relates to a Short Sale that is described in the attached paragraphs. This conversation took place approx 6 months prior to to the litigation filing. 

The CFPB agents answer to me was YES, that should justify the filing of this complaint to the CFPB pertaining to this issue. 

Extensions of time to file for pre trail hearing has delayed the litigation process for one year. I am not clear on exactly why these extensions of time were requested. It occurs to me that this delay is not related to any of my conversations with the bank, or my personal situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 



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Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Reliant Capital Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XXXX XXXX, 2018, I received a call and a voicemail from someone identifying themselves as an " authorized representative of the Ohio Attorney General. '' He represented that he was " with Reliant Capital Solutions ''. Obviously a state Attorney General would not authorize a debt collection company to contact people on its behalf. This tactic is deceptive and undermines the both the role of the Attorney General as upholding the law, as well as undermining the rule of law in general.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: MRS BPO, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In the beginning of XX/XX/2021 I contacted XXXX about my rising phone bill. It was discovered that they enrolled me in digital protection without my knowledge. This added XXXX a moth for over 12 months. I asked for a refund of the fraudulent charges. I decided to change carriers because of my negative experience with XXXX. At the end of XXXX my bill was paid in full and I changed carriers. My XXXX bill was not due until XXXX 2021.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX has my account showing written off {$280.00} my account has not ever been in collections or written off by XXXX XXXX. 

I contacted them in which they stated there was nothing written off nor is there any balance to this account or nothing showing written off. 

they mail me a letter stating there is no balance nor does the account ever show late or ever in collections at no time that the account was open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Called staff XXXX, XXXX agent no information from agent told Ombudsman office handling account left message to have some call me about account issues. 
XXXX Ocwen XXXX, asking XXXX to have agent handling account to call me as customer service could not talk about account. No rep from a Ocwen has called. 
Received doc requesting proof of payments. We sent docs XXXX to Ocwen verifying XXXX / Ocwen issues. Informed the docs were destroyed, per their 5 year rule to maintain records. Despite XXXX XXXX Supporting docs, transferring information / files from previous servicer would be maintain. 
Ocwen XXXX XXXX is a constant predatory and unfair servicer with many facillies in servicing loans, even simple communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing XXXX XXXX XXXX c ) ( B ) ( iii XXXX, which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : 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 and XXXX XXXX XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: CA
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 have looked over my credit report and I have found inaccuracies that have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
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:
There are two accounts on my credit as well as 5 inquiries that are on my credit that are not mine and these accounts I have not signed used or even applied for I have sent out a dispute for all the bureaus back in XXXX and I am still waiting for a response back please help me this is hurting my credit and I dont feel I should pay for something that is not mine. 

XXXX - Acct # XXXX Amt {$0.00} XXXX - Acct # XXXX Amt {$570.00} INQUIRIES XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX.-Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX-Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Penn Credit Corporation
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recieve 3 to 4 calls a day from Penn credit cor # XXXX while we at work. Called XXXX and I finally answered the phone VM instantly says " if you are the person press 1 '' never said a name. I hung up and called them back, got a young lady on the phone, who wanted me to give her my info., she did state that we are on a recorded line, but never gave me her name. wanted my address, gave her a fake address cause I KNOW I DO NOT OWE anyone -- my bills are paid on time and if not on time EARLY! Gave her my real address and she stated that neither was on file and that they would remove my number. however, i got into an argument with the rep., and do not trust this company especially with all the reviews posted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: PLAZA HOME MORTGAGE, INC.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have Private Mortgage Insurance on my mortgage loan. Each month around the XXXX or XXXX of the month, Plaza Home Mortgage Inc. takes {$240.00} from my escrow account to apply towards the PMI. This month, they took {$240.00} on XX/XX/XXXX. On XX/XX/XXXX my mortgage was paid in full 100 %. However, they took a 2nd PMI payment out of my escrow again on XX/XX/XXXX in the same amount of {$240.00} even though they had already taken it out on XX/XX/XXXX and even though the loan was paid in full. I attempted to communicate with them and asked them for an explanation and have received no response back. 

This does not seem like a fair practice and quite frankly, appears to me to be fraudulent activity to take a 2nd payment out since the loan was paid in full and I do not believe they should be able to take another PMI payment out unless there was still a balance the next time a payment was due, which there would not have been. Something does not seem right about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
NelNet has started charging me for my loan at the full repayment amount while I am in IBR. They contacted me and attempted to force me to cancel IBR and go into forbearance. They said there are no other options. They placed a strike on my credit report putting extra stress on my already stressful ( I am in IBR! ) financial situation. I have called repeatedly and they refuse to remove the strike, refuse to accept my IBR status and refuse to help me in any way whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Accelerated Financial Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Accelerated Financial Solutions violated fair credit reporting laws! They reported a debt that I called and disputed before they reported it. I disputed the validity of the debt before the 30 days that credit reporting law allows, and they reported it anyway! Now it is showing on my report and made my credit go down and I am disheartened by them violating my rights and degrading my credit score. On XX/XX/XXXX Accelerated Credit said they would not be reporting/stop reporting and then reported it to the credit bureaus on XX/XX/XXXX, and I want it deleted immediately, per fair credit reporting act law. Find copies attached. 

Accelerated Financial Solutions , LLC XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX : Case # XXXX, XXXX XXXX Accelerated Financial Solutions , LLC received and reviewed the complaint submitted by XXXX XXXX. We understand that XXXX XXXX is disputing the account. We have asked the original creditor to provide us with the supporting documentation regarding the above mentioned account. In the meantime, we are requesting the credit reporting agencies remove this trade line and we will cease all activity on this account while we investigate this matter. Upon completion of our investigation and receipt of any supporting documentation, we will provide you with a copy of all material we receive in whatever fashion XXXX XXXX would like ( email, fax, etc ). 

If you have any questions, please call us at XXXX. Our office hours are Monday through Friday XXXX EST. 


Sincerely, Dispute Resolution Accelerated Financial Solutions , LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-15
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Trading functionality has been " temporarily suspended '' on my XXXX account since XXXX XXXX 2017, this means my money is stuck in the exchange and there 's nothing I can do to solve this issue. 
Customer support is not writing back since XX/XX/XXXX. 
How can I get my money back? 

Coinbase/XXXX case ID is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: EQUIFAX, INC.
State: TX
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:
I have requested several times that Equifax remove unauthorized credit inquiries that appear on my credit report that I have no knowledge of and did not authorize with approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: NY
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 reviewed my credit reports with XXXX, Equifax and XXXX and found that all of the inquiries on each of my credit reports were a result of identity theft. I have not applied for credit in several years and contacted each of the credit bureaus in order to have these inquiries removed. I have not heard back from any of the credit bureaus regarding these matters. I have also asked the credit bureaus to place a fraud alert on my credit reports to ensure that nobody is using my social security number without my consent. 

Furthermore, I have an auto loan that I co-signed from XXXX XXXX  which was reported as being late after the Coronavirus CARES Act passed which bars the reporting of late payments on my credit reports as I was unable to go to work because of the mandatory government and business shutdowns. As such, I have been working with XXXX XXXX  to apply for a forbearance on this Auto Loan for over a year. I am not sure why it was reported late at all considering these facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Eagle Accounts Group, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The Motor Vehicle Administration ( MVA ) ( and the Central Collection Unit ( CCU ) ) for the State of Maryland has ignored the automatic stay order for my Chapter XXXX Bankruptcy. I notified both agencies of the filing and case information on more than one occasion. The CCU continues to collect the debt for Maryland Department of Motor Vehicle ( MVA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
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: Information belongs to someone else

Complaint:
There are two accounts on my credit as well as 5 inquiries that are on my credit that are not mine and these accounts I have not signed used or even applied for I have sent out a dispute for all the bureaus back in XXXX and I am still waiting for a response back please help me this is hurting my credit and I dont feel I should pay for something that is not mine. 

XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX Acct # XXXX XXXX {$570.00} INQUIRIES XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX-Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX-Inquiry date : XX/XX/XXXX XX/XX/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 2021-09-09
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: Account information incorrect

Complaint:
Gap insurance paid off my loan vehicle still showing I owe the debt and its affecting my credit

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