BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-12
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I found out back in 2017 that someone in XXXX, FL opened a XXXX account under my name ( without permission ). This bill/account was placed in collections by : CREDIT MANAGEMENT LP. I filed a police report for identify theft and submitted appropriate documents ( i.e. utility bill -to show that I live in XXXX , FL , the police report, consumer rights notice, fraud paperwork, and ID ) to XXXX and the debt collections company. However, the claim was disputed by the company and remained on my account. I have recently tried to dispute this account with the debt company and have been told again and again that " the information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated ''. 

I need assistance. I am in the process of looking to purchase a home and I can not move further with the process because of this debt. I am extremely frustrated because I did not authorize anyone to use my personal information to open the account, yet I am being penalized for someone else gaming the system. The debt company did not conduct a proper investigation into this claim.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with Santander. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX & XXXX  and Santander with no successful resolution. XXXX, XXXX  & XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: WELLS FARGO & COMPANY
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:
MY PLEA TO WELLS FARGO IS TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY XXXX CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, THE ACCOUNT FROM AND THE CHARGES ARE FRAUDULENT. I HAVE NEVER APPLIED FOR A ANY TYPE OF CREDIT CARD FROM WELLS FARGO.

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 2020-05-14
Company: WorldRemit Corp.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
WorldRemit money transfer # XXXX was never made available after being advertised as an instant money transfer. I used the system because of this claim however the money has not been made available after 4 days. There is no way to contact the company or cancel the charge through the online website. I would prefer to cancel and use another system I have tried to call their call center number which leads you in circles and they refuse to answer emails due to Covid-19 which makes no sense. Thank you for your recent email. Due to the present Covid-19 situation, our customer service team are unable to respond to your email at this time. I believe this company has been using false advertisement. baiting potential consumers into believing the money will be made available sooner than it really is. Please investigate the claims made on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: United Consumers Inc
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm a XXXX XXXX XXXX and became sick. I went to the hospital and check out. I gave them my Medicare card for insurance. I check my report and United Consumers appeared representing XXXX XXXX XXXX. I called them said they used the card for Medicare, That's wrong. They didn't want to hear it and reported it. This is effecting me.

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 2021-04-29
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX of 2021 I received my credit report in an attempt to verify all debts due to unauthorized / fraudulent activity. 

I contacted Sunrise Credit Services who immediately forwarded my call to XXXX who stated I owed them {$2100.00}. I have never consented nor authorized XXXX  to open an account under my name, address, social, nor any other personal and private information for XXXX  services. 

XXXX  refused to address my dispute/claim over the phone, and refused to agree to mail me information to verify this account. 

Someone is using my personal identity to open accounts under name, address, social, and other personal information as fraud.

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 2020-05-20
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX  Company Inquiries XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
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: Account information incorrect

Complaint:
In XX/XX/2018 I paid {$2400.00} on my existing car loan, with the intent to pay them 6 months in advance. For the last 3 months they have been increasing the balance on my credit report instead of decreasing it. It went from being XXXX to now being increased to almost XXXX. How can that be? I have never missed not one payment. At this time I believe I owe less than what they are reporting and they are attempting to get over on me.

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 2019-03-12
Company: The CMI Group, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This issue resulted from having XXXX internet service installed in my apartment. The service did not work as advertised and I was charged by XXXX to have a service tech visit my home to correct it. My entire apartment community was brand new and came pre-wired specifically with the XXXX service only. However, the connections in my unit were not installed correctly and had to be adjusted by the service tech. After receiving a bill for the the service tech visit, I made several attempts to explain and resolve this issue with XXXX and the collection agency they assigned to debt too, with no resolution.

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 2018-09-22
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX Account # XXXX loan is paid off. traded the car in this account should show as paid 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 non-monetary relief
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: CA
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 decided to freeze my credit with all 3 bureaus after thieves broke into my USPS mailbox and stole all the USPS mail, some likely included my personal information. 
1 - No problems at all with XXXX  did it online very quickly after an identity check questionnaire. 
2 - Equifax, created an account, filled out the freeze form online, but repeatedly got the message that it could not be done online. No explanation, no identity questions other than social security number, DOB and address requested. 
3 - XXXX  same issue as Equifax - followed the online prompts and kept getting a " can not be done online '' message on repeat tries. No explanation, no identity questions other than social security number, DOB and address requested. 
Google search on this strange issue in 2020 's internet era shows other people who have had Equifax and XXXX give them a hard time freezing or unfreezing the credits. I wonder if these companies are not purposefully making it harder on the people to freeze or unfreeze since they can no longer make money off of this service? Which should be illegal. I hope this tactic by Equifax and XXXX  does not continue for long. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Specialized Loan Servicing Holdings LLC
State: OK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Starting XX/XX/XXXX I have repeatedly contacted and asked for a payoff quote. Letters was sent on XXXX XXXX, 2017 3rd Fax was sent on XXXX-17 1. I requested one payoff and validation via Certified mail with Return receipt requested. 2. I sent FAX asking for a payoff request 3. They are on recording line stating had faxed information. Never faxed information. 4. Called back and they said they would fax it again. Never faxed information. 5. Per state requirement they have 7 days to provide information it is going on almost 4 weeks.

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 2020-11-16
Company: Experian Information Solutions Inc.
State: TN
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:
EXPERIAN IS COMMITTING FRAUD AND NOT FOLLOWING THE LAW. I MAILED SIX REGULAR MAIL LETTERS AND THREE CERTIFIED LETTERS ABOUT THE BELOW LISTED FALSE ACCOUNTS AND THEY HAVE REFUSED TO PROVIDE THE ROOF REQUIRED UNDER THE LAW IN THE 15 DAY TIME PERIOD THREE TIMES. 

THESE ACCOUTNS ARE FRAUDULENT AND THEY REFUSE TO DELETE OR TO PROVIDE PROOF : XXXX, XXXX AND XXXX ALLEGED BANKRUPTCIES XXXX, XXXX XXXX AND XXXX AND XXXX XXXX ACCOUNTS. 

THESE MUST BE DELETED FOR FAILURE TO PROVIDE VERIFICATION OR PROOF AS REQUIRED UNDER THE LAW.

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 2018-07-11
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed with XXXX XXXX a bill of {$100.00} that was not correct and only due because I stopped their service back on XX/XX/XXXX. I saw it on my credit report, disputed it back in XXXX and it was deleted from XXXX per dispute XXXX found to be a bogus claim. Again I am checking my credit reports in XX/XX/XXXX and XXXX said they sent me a collection notice on an bill over 5 years old that was adjudicated back in XXXX! This was just disputed with XXXX report XXXX XXXX XXXX on XX/XX/XXXX and removed on XX/XX/XXXX. XXXX. I put in a dispute with XXXX dispute # XXXX around the same time above and they Estimated month and year that this item will be removed from my credit report is : XX/XX/XXXX. They can not put this back on my XXXX  credit report because they know this is a bogus collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Duvera Billing Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had took out some rings with XXXX XXXX I finished paying them off and never showed up in my credit .I decide to trade in one of the rings for a gold chain which left me with a remaining balance of XXXX which i did a payment of XXXX dollars a month when. I was done paying what was owe they kept charging me told me that they had got a lender from somewhere else and was never informed that they were going to do that. I went to complain why did I still owed they told me that they didnt know why they had got another lender when I had enough credit with them that they werent able to help me that I had to deal with the lender I talk to the lender and wanted me to pay exaggerating amount that what I had payed was just interest and the nothing went towards my actual balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
For years, Navient ( previously Sallie Mae ) encouraged me to enter forbearance instead of offering alternate payment methods, such as IBR. They have also rejected my application for the public service loan forgiveness program for unclear reasons, despite the fact that I should qualify by virtue of having the correct loan type and working for a nonprofit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
There are several errors on every account that were not fixed or deleted by Transunion. This is a violation of my FCRA rights. I will attach supporting documentation.

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 2019-08-20
Company: REGIONS FINANCIAL CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a new truck loan with regions bank in XXXX XXXXXXXX  flAbout XX/XX/2019 I get a call from a bank manager XXXX  who states someone pretending to be me is trying to cash a check against my checking account the police are called the person is arrestedI’m then told I must sign a release form or my account will be frozen and my automatic payments for my truck can’t be processed from that checking account I must appear in person and have the funds transferred to a new account I then ask since I live in Colorado can the balance be applied to my truck loan I’m told no so I have regions send me a new form for auto payments and I think all is well I see the payments going out to them monthlyThen on XX/XX/XXXX I get a letter with my name on it that’s got the wrong mail address on it starting they took out money from my checking account from regions to pay my past due truck payments first I know of any problemI cont my bank in Colorado and I find out regions stop taking payments out in XX/XX/XXXX I call regions and I explain this to 4 different departments with four different reason why payments stop coming from bank of Colorado none where for no funds availableMy credit is ruin as of no from 4 non payments I ask the bank manager in XXXX XXXX  regions bank and to my surprise I find out my account was never frozen so I ask why cant I have my payments taken out of that accountThey are going to get back to me regions has my correct mail address as I get monthly statements from them from my checkingI have received no loan statements in 5 months I don’t know what the big withdraw from my supposed frozen checking account at regions is for or broken down and no one will XXXX  any question as to why 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 non-monetary relief
Consumer complaint received 2018-07-11
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
In XX/XX/2013 I was involved in a XXXX XXXX XXXX that resulted in my needing to withdraw from school to handle both XXXX  and XXXX  XXXX. The XXXX XXXX representative I spoke with informed me that medical leaves of absence were covered and I would not face any payment responsibilities while I went through treatments. Within a month XXXX XXXX was calling both myself and my co-signer upwards of 30 times a day demanding immediate payment on my loans. When I explained that I was only temporarily withdrawn from school I was told that, under no circumstances, are medical leaves of absences covered and that payment was due immediately or I would face negative marks to my and my cosigner 's credit. I did not have the ability to pay or return to school so the negative marks were placed. I eventually was able to push for a deferment but was informed that I can only use 12 months for the entire duration of my loans. I was also informed that now my loans do not qualify for six months of no payments. Each time I now go onto any kind of school break ( ie winter or summer breaks ) I am immediately harassed with 30 phone calls a day demanding payments even though I am registered for the following semester and I was told that summer and winter breaks do not count towards not being in school. 

I have provided XXXX XXXX with both medical records and police reports of the XXXX XXXX and I have provided them with records of the people I have spoken with at their company. Managers with their company have informed me that lower level reps do not have the authority to " grant promises '' and therefore they do not have honour what was stated. Mine and my cosigner 's credit scores have suffered because of the less than scrupulous practices of XXXX XXXX. They have shamed me for being a victim of XXXX and made it clear that money is the only priority. Looking back I wish I had never opted to attending university.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
Company: I.C. System, 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:
Hello, I had disputed some accounts to be removed from my credit report by all three credit bureaus between on XX/XX/XXXX through XX/XX/XXXX. I have already contacted all three credit bureaus as well as the company that is reporting on the accounts. Please refer to the attachments. The original account names were I C SYSTEM INC| Account Number XXXX I C SYSTEM INC| Account Number XXXX XXXX XXXX XXXX / XXXX Account Number XXXX XXXX XXXX XXXX| XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have reached out to these companies stating that these accounts have nothing to do with me. They once again are charging me for it. I have sent proof and notarized letters to all three-credit bureau. Please help me out. I have reached out to XXXX XXXX  and XXXX. They are not wanting to help even with the proof that has been provided. I am even having issues with XXXX XXXX XXXX Account Number XXXX over my school loans, I attended XXXX XXXX from XXXX, they made me take put loans and even promised me internships and jobs but did not deliver. The school closed down and none of the credits are transferrable to other colleges. They even made my mother take out a separate loan, were still stuck trying to figure out how we ended up with multiple loans. Once again please help.

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 2020-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One bank has not updated my account as paid XX/XX/XXXX and XX/XX/XXXX payment and i have not paid 30 or 60 days late on this account and capital one one has not updated my account correct since this virus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MY STORY IS LONG STILL HAVING PROBLEM WITH OCWEN FROEM WHEN I REFINANCED IT BACK THREE YEARS BACK. I ' TRIED TO RESOLVED SOME PROBLEM WHERE THEY ADDED MONEY TOW IT. ALSO I DESCOVERYED THEY ADDED TO THE BACK OF MY LOAND. ALOS they ADDED T MY PAYMENT A EXTRA XXXX AND SOME DOLLARS I PAID THAT AND THEY STILL HAVE THAT ADDED TO IT. please HELP, E WITH THIS. I HAVE HAD PROBLEMS EVERY SINCE I HAVE HAD THIS LOAN. please HELP ME SUE THEM IN SOME FORM. at MY AGE I DO NOT NEED THESE PROBLEM. I've GONE TRROUGH FORECLOSER. please IF THEY CAN GETSOMETHING I HAVE ALL PAPER S SHOULDING HOW THEY HACE TREATED ME. THANKS ANY HELP WILL DO '

Company response to consumer: Closed with explanation