BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-05
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
sls representative XXXX is my spoc loan XXXX she advised me if i came up with XXXX she would obtain a deferral of XXXX and a payment of XXXX as a loan modification. SLS verified my funds in XXXX XXXX On XXXX XXXX loan docs were sent to me showing a down payment of XXXX with a payment of XXXX .That is not what was verbally agreed. Also, please note I had covid last year and sent proof to SLS..

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 2019-06-06
Company: TrueAccord Corp.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I started using XXXX advertising on XX/XX/2018 to start marketing my insurance and consulting services. Before signing up, I was told that I would be given {$300.00} in Ad credit which is why I joined. I would not have signed up otherwise if not misled by the company, XXXX. I was given a small bill which was taken out of the {$300.00} and then the following month, XXXX didn't take the money from the remaining credit which was over {$200.00}. Instead, XXXX started referring to the credit as a " bonus '' and after multiple calls to XXXX to fix this issue, nothing happened as XXXX refused to acknowledge the credit. XXXX sent this falsified information that they claim I owe them to a 3rd party reporting agency and started damaging my credit in an attempt to solicit payment from me. I've taken the email correspondence between the company and me and converted them into PDFs for people to see the deceptive practices that were used by XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have two XXXX store Cards opened on my Name that I have not authorized to be open.

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 2020-10-29
Company: EQUIFAX, INC.
State: MA
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:
Good Afternoon ; I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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 submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts that are misleading in my file. 
XXXX XXXX XXXX Balance : {$32.00} XXXX XXXX XXXX Balance : $ {$40000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$49000.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX Balance : {$0.00} This was already included in my prior Complaint, and I'm including it again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards of my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2019-06-06
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:
XXXX, I am Glad, to further bolster my argument that I am right and Experian is a scrap heap of excrement, the CFPB, SAVES AND HAS SAVED OVER 5 OF MY ACCOUNTS AND 22 EXPERIAN RELATED DISPUTES WITH HUNDREDS OF PDF DOCUMENTS THAT ARE UNDENIABLE THAT MY STATEMENT IS NOT A LIE AND DISABUSE EXPERIAN NOTION THAT ITS BEEN VERIFIED, the fraudulent account From XXXX XXXX XXXX. I have subsequently spent hours downloading all of it. The ball is certainly in their court and I ask the CFPB, even with XXXX Pro Business Trumpist, to investigate this malfeasance with respect to The XXXX  XXXX XXXX account and further to the positive accounts they unfairly and illegally punished me for by deleting them. Then forward the illegality for prosecution to the United States Department of Justice Office of Consumer Protection!

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 2021-07-21
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
attempt to collect a debt that I do not have to pay due to me having health coverage at that the time of this date XX/XX/2018 my health coverage is billed for this I had health coverage since XX/XX/2018 name of my health coverage is covered California which I have documents to support my statement. I would like it looking off my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There is a collection showing on my credit from XXXX XXXX XXXX XXXX. The address listed on each report is XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX. I disputed this directly with the bureaus before on account of having never received proof / verifiable information as to why the debt as owed in the first place and never got a conclusive answer except that the information was " verified. '' I have attempted to contact this collector several times in writing to no avail. At first I thought they were refusing delivery because my letters were not certified, but upon sending a certified letter and having that returned as well, I realized the collector just isn't reporting accurate information to my reports, in direct violation of the FCRA. I want the account removed from my reports since it's proven unduly burdensome to contact the collector.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is a formal complaint against XXXX XXXX XXXX. This company has violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. As I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/2022, stating that the XXXX XXXX XXXX give them permission to collect the alleged debt which is very inaccurate since XXXX XXXX has no legal right to collect as I never signed a contract with them.

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 2021-08-08
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I closed on a house with XXXX XXXX. On XX/XX/2021, XXXX XXXX XXXX XXXX XXXX sent me a letter regarding the transferring of my loan to PHH Mortgage Services. PHH Mortgage sent me 1solitary coupon for the 1st payment which I received on XX/XX/2021. On XX/XX/2021 I wrote out a check in the amount of {$880.00}, the amount stipulated, dated for the XXXX of XXXX, when my first payment was due, and I sent it out to PHH Mortgage along with the 1 coupon I was given. By XX/XX/2021 I began calling PHH Mortgage Services to inquire if they had received my check. They refused to answer my question. They would respond by saying, I should go on-line to pay. It wasn't until XX/XX/2021 when I received a letter from PHH Mortgage Services telling me they were sending me the copy of my check because they had 'destroyed ' the original. The reason given was they don't accept post dated checks. I tried reasoning with them on the phone and their response was that I should go online. So feeling defeated, I tried going online. However, before allowing me to pay online at XXXX, I had to check off their agreement terms and conditions box. After reading the lengthy stipulations, especially the one having to do with my taxes, I decided I would not be agreeing to their terms for online service. So, because of that I can't pay online. So if I can't pay my mortgage by mail because they refuse to provide me with coupons, and I can't pay online because I don't agree to their terms and conditions, then chances are I will never be able to pay my mortgage and in my opinion, that is exactly what they are waiting for. Please help me!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 2023-04-24
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collection on my credit report states that I owe Eastern Account System {$1300.00} for XXXX XXXX and XXXX XXXX. I disputed the debt and they responded saying it meets FCRA requirements. I contacted XXXX directly to find out what this debt is and they cant find any debt and cant even verify when I last had service with them. 

I again contacted Eastern Account System and informed them that XXXX seems to have no record of me owing them money and asked them what their records show. They said the debt is from XX/XX/2019. According to the laws in NY if XXXX is saying I dont have a debt and the statute of limitations is 3 years in NY Im not understanding how they are claiming this is a valid debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: AZ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2019-04-30
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The Telephone Consumer Protection Act of 1991 ( TCPA ) was passed by the United States Congress in 1991 and signed into law by President George H. W. Bush as Public Law 102-243. ... The TCPA limits the use of automatic dialing systems, artificial or prerecorded voice messages, SMS text messages, and fax machines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Lennar Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have recently applied for a loan through XXXX  and the loan officer we were working with ( XXXX XXXX, NMLS ID # XXXX ) failed to communicate effectively with us. This resulted in us losing out in the opportunity to purchase the house we wanted. We have reached out multiple times and her responses would occur late in the evening after normal business hours. This made it very difficult to meet the requirements in the allotted time given. We would try to contact her during normal business hours to answer questions or concerns in which she failed to return our calls or emails. We feel this is an act of unfair business and we were not given the correct opportunity to fulfill the loan/transaction requirements.

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 2017-12-19
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, my younger brother XXXX XXXX XXXX XXXX in a car accident. The car that he was his own XXXX XXXX. The car was on a lease that I co-signed on. After the accident, the insurances that were involved paid off the balance of the car except for the deductible. We together signed the lease in XX/XX/XXXX in XXXX TX. In XX/XX/XXXX had moved away to XXXX. After the accident, Honda did not update my address to the XXXX address and was still sending letters to XXXX. Hey knew my new address because they were calling me non-stop at first when they were trying to collect on the insurance money and I had told them that I had moved to XXXX and gave them my new address. After Honda got most of the money owed to them from the insurance companies involved in the accident, they sent a delinquency letter my old XXXX address asking for the deductible that was still owed to them. Of course I never received that letter since I had moved away from XXXX. Then after some time, they sent my account to a collections agency by the name of XXXX XXXX XXXX. On XXXX XXXX of XXXX, the collections agency reached out to and asked me to pay the balance of {$270.00} and offered to settle for {$160.00}. On XX/XX/XXXX I paid the settled amount with the understanding that this would be taken off my credit report. Please see the collection letter and well as the resolution letter attached below. Also please see XXXX report snapshot below showing I do n't have anything due in the collections portion of the credit report. But even after I have paid and settled with XXXX XXXX XXXX, XXXX XXXX XXXX chooses to report my account as charged off and failed to pay after the settlement that. Please also see my credit card statement attached showing the settlement payment being drafted on XX/XX/XXXX from my XXXX XXXX account. When I went to my bank and applied for a business line of credit I found out my credit score had taken a hit. Then when I looked on my credit report I found out Honda had reported my account as charged off even after they I paid and settled as best I could and they knew where I lived, When I called XXXX XXXX XXXX they told me that I still owe approximately {$110.00} dollars to be settled in full with them. This was news to me because no one including XXXX XXXX XXXX told me I still owed any money. Instead, they told me everything was taken care of. I am willing to pay the {$110.00} but XXXX XXXX XXXX said that even if I pay that amount, the charge-off status will remain on my account for historical purposes. So even under such tragic circumstances and for such a small amount when clearly they sent letters to the wrong address after knowing my current address, XXXX XXXX XXXX is unwilling to take the charge-off status off my credit report. And that is why today on XX/XX/XXXX I would like to file a dispute against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06
Company: AES/PHEAA
State: WA
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 have been trying for about a year to get credit for the last 5 years of payments toward Public loan forgiveness program. i have been a XXXX at a XXXX  high school for the last XXXX years. The prior service providers have also had a hand in denying my right to use the Public Forgiveness Program. It started with lies from XXXX XXXX that I did not qualify and could not qualify for the forgiveness program. XXXX XXXX was the next great hurdle ; as they refused to speak to me about the forgiveness program. I was forced to hire a company for {$600.00} dollars to get the paperwork to move into the forgiveness program. It was amazing how XXXX XXXX drug their feet and stop speaking to me and my wife after hiring this company. 

Even after complaining to the Attorney general for the State of XXXX I have only been given credit for 2o months. 

I am willing to provide the full email train of emails with the XXXX Attorney General 's office, if you want the emails. i have several documents that i intend to attach to this complaint. i have not asked for any deferments during the last XXXX years - I have made a payment each and every month as shown by FedLoan 's own records. 

I have presented Fed Loan with Public Service Forgiveness Employment Certification for all employers from XXXX to XXXXt. They have my SSN on them so i do not wish to present them as attachments to this complaint at this time

Company response to consumer: Closed with explanation