BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-20
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of 2015, I signed a negotiable instrument ( promissory note ) with the company in question and per my contract as the debtor I am asserting my rights according to 16 CFR 433.1-3. 

Violations : 15 U.S. Code 1692c 15 U.S. Code 1692d 15 U.S. Code 1692e 15 U.S. Code 1692f 15 U.S. Code 1692j According to 18 U.S. Code 8 all debts are obligatory of the U. S. but the company in question is trying to hold me, the consumer as surety for the negotiable instrument and for extortion purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: United Revenue Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
UNITED REVENUE CORP I went through my medical provider and they paid the bill in full due to their mistake and now its in collections. It should have never been to collections as it was paid in full by my medical provider. 

Medical Provider : XXXX XXXX I contacted XXXX XXXX based on this issue and they took full responsibility, after it was escalated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
Company: TRANSWORLD SYSTEMS INC
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:
In XXXX of XXXX, I was reviewing my credit report when I noticed a collection account was added. It was for {$90.00} from Transworld Systems collecting for XXXX XXXX Hospital. I was surprised because I didn't even know that I owed any money. 

In XXXX of XXXX I was taken to XXXX XXXX Hospital by ambulance because of XXXX. I tried to refuse medical service but the police and paramedics insisted that I be taken to the hospital. Once I arrived to hospital, I again refused service and I left on my own. I did not have medical insurance and I did not want to incur any medical bills. 

I never gave XXXX XXXX Hospital my name or any of my information, nor did I ever receive a bill from them. I also never received a bill from Transworld Systems. I had no idea I owed any money and because I refused medical service, I did not expect to owe any money. 

On XX/XX/XXXX, shortly after I became aware of the debt on my credit report, I called Transworld Systems to resolve the debt. I explained to the customer service agent that I never received a bill and wasn't aware that I owed anything. I told her that I could make the payment but I asked that the collection account be removed from my report. She said that it would not be removed but only updated to show that it was paid. 

The customer service agent told me that bill had be sent to XXXX XXXX XXXX XXXX, XXXX, IL. Which is my old address. I've come the conclusion that XXXX Hospital must have gotten my information from the police officer or the police report. My ID at the time was outdated and did not have my current address. Again, I did not give XXXX Hospital any information, so my best assumption is they obtained the wrong information from my outdated ID. 

I told the customer service agent that I did not think it was fair that I should have a negative mark for a debt that I was completely unaware of. She again told me the best should could do was update it as paid and suggested that I contact a credit specialist. I wasn't satisfied with that resolution so I ended the call and did not make the payment. 

I later decided my best action would be to make the payment and file a complaint with the cfpb. On XX/XX/XXXX I made the full payment of {$90.00} to Transworld Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with Ditech Financial Corp. I had trouble paying my mortgage and was put onto a repayment plan. The plan was successful and representatives from Ditech said that I was once again up to date on payments. 

I began paying my mortgage as I should by XX/XX/XXXX. In XX/XX/XXXX I received a letter saying that I no longer had a mortgage due to a decision made by Ditech. They would no longer finance my home ( with on time payments ) because I had a history of not making my payments on time. 

Ditech then sent back my payment check and would no longer accept payment. Twice a week, Ditech reps came to the house and left a note on the door for inspections. 

At this point, the mortgage was up to date, but Ditech would no longer accept payments. 

I went to XXXX, CT court and worked with a housing expert who let me know my options. It was found that I was on time with payments. 

Ditech then foreclosed on my house in XX/XX/XXXX. I had spent roughly {$68000.00} in lawyer fees and back payments to Ditech and they never accepted the mortgage was up to date. I LOST MY HOME. A home that I paid for and was making monthly payments on. I only became in arrears when I lost my job, but I was able to catch up with my mortgage in 8 months time. 

I had to move into an apartment and lost the only home my XXXX XXXX year old adopted son knew. 

It was Ditech representatives based in Florida that told me that I was ok and my mortgage was up to date, though each time I called them I had a different representative and could not get a hold of the original rep. My account was switched over to representatives upwards to 15 times. 

I don't have a home anymore. I was forced to leave. 

The home I had sits untouched since the day I left and I miss it dearly. 

I just want to recover what was mine and move on from this horrible disaster.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/18 at XXXX XXXX, I called One Main Financial. I believe I spoke with Someone named XXXX. I told her I no longer authorized Aut draft payments from my checking account. We had to go over this several times. I told her I had some medical issues, and had missed some work and I needed to change to manual payments. She talked to her manager, then came back and told me they would remove my Aut draft from my checking account, but my payment was still due by theXX/XX/XXXX Today I checked my bank account, and they still auto drafted my account. This has caused even more financial hardship ... and I want this stopped. Being that I called on XX/XX/18, One Main Financial had more than enough time to cancel the auto draft on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Title loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I took out a loan with wells Fargo some years back on a car that I had already owned! A XXXX  XXXX XXXX which was {$5000.00}. The loan was paid in full and I received proof of payment and the title. The problem is Wells Fargo is damaging my credit report with all three credit bureaus as if I took out two separate loans with them and I only had one EVER! One account is showing under account number  XXXX and the other is showing under XXXX. They are reporting one correct in good standing no late payments, then the other they are reporting 120 days late WHICH NEVER happened this error is under account number XXXX. 

I have disputed this several times and Wells Fargo Bank Auto is refusing to view their records to see their mistake to correct it, they are only seeing that I did have a loan and reporting it as accurate. I have reached out to Fells Fargo by phone and certified mail to correct this. When I called I was informed by the rep that my account was never XXXX late, which I knew. She provided me with their reporting department address. I sent them certified letter with proof with no response! I even emailed and to the CEO and still no response!

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 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Upon checking my credit report after XXXX yrs of XXXX  I find there's alot of unauthorized fraudulent accounts appearing on my report, I'm demanding that these accounts be removed immediately.. 

1. Missouri XXXX XXXX XXXX {$7800.00} 2. XXXX XXXX  3. XXXX XXXX Co {$1200.00} 4. XXXX {$2500.00} 5. XXXX {$1200.00} 6. XXXX XXXX XXXX {$170.00} 7. XXXX XXXX XXXX  {$110.00} 8. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Navient Solutions, LLC.
State: NC
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:
I have previously disputed the above-mentioned student loan payment history on XX/XX/XXXX, XX/XX/XXXX. Be advised that there are no regulations promulgated by the DOE and the FCRA that restrict you from updating/correcting past payment history. By failing to update previously reported information, Navient is in violation of Section 623 ( a ) ( 2 ) of the FCRA. Be advised that the Holder Rule protects consumers claims & defenses against a creditor or assignee 16 C.F.R. 433. 



I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). Please see lines 5 & 6 of the attached FTC advisory opinion. 



The advisory opinion goes on to state that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been paid. 



Navient representatives told me that because the delinquent payments were accurately reported previously, they would not update their reports to the credit bureaus to show that the payments were now paid. However, Section 623 ( a ) ( 2 ) clearly states that the reports must be updated/corrected regardless of whether they were accurate at one point. 



Therefore, my credit reports do not accurately reflect what was set forth by the FTC Advisory Opinion to XXXX ( XXXX ) with regards to the Fair Credit Reporting Act ( " FCRA '' ) on the reporting by educational institutions of additional information to credit bureaus about defaulted student loans. I am therefore requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the above-referenced account showing late payments in XX/XX/XXXX be updated and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Netspend Corporation
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a checking account with net spend and made a purchase from a company called XX/XX/XXXX. After they took my money the product they were supposed to buy never worked it was faulty. After I call net spend to let them know about stopping payment I was told I would have to wait. I have contacted net spend several times with no response and I lost XXXX dollers. I want my money back as this was a scam and Net spend Refuses to refund my money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Freedom Mortgage Company
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
So my mortgage conpany is fredom mortgage. They are trying to tell me to pay XXXX now or break it up $ XXXX month for year for '' anticipated '' escrow being negative. They are any many other companies especially in XXXX RI are stating they want escrow upfront. XXXX  town hall charhes quarterly i went to town hall they stated that has not changed. The letter i received stating pay now or up {$200.00} starting XXXXwas received last week! I struggle paying XXXX month now XXXX month is going to be difficult. I know some have fixed thru this site and some fighting with their company. I am at a loss and do not want to lose my home. Ty 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 2019-10-08
Company: Experian Information Solutions Inc.
State: AL
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:
I sent my dispute letters to Experian, XXXX, and XXXX showing proof and law from the FCRA, but they will not delete the inaccuracies of my credit files. Inaccuracies from XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, Department of Education , XXXX XXXX XXXX, XXXX XXXX, and XXXX. What more do the credit reporting agencies want?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18
Company: Hirshberg Acceptance Corporation
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was sued and a judgement for a 17 year old credit card debt was entered against and they sent the summons to an address that I haven't ever lived at. It was my sister 's old address and a summons was never served there for either of those court dates. My sister said that someone came there in early XXXX and asked if I lived there and she told them that I do not live there and they left. This company was able to locate my current work address for a garnishment order so they should have been able to locate my current address because it's on my credit report and they purposely stated that they sent a summons to the wrong address and I haven't seen proof that someone even signed for that summons. I don't remember this debt and don't feel that I have been able to fairly answer to this. Also if it's 17 years old can I be sued over this? I called the court and they said a judgement was entered against me in XXXX for XXXX and renewed on XXXX and was for XXXX plus XXXX in interest totalling XXXX but I have no knowledge of either of these judgments and the reason I am finding out about this is because a garnishment order was sent to my employer and they informed me. Is there anything I can do to stop this or get this resolved without being garnished. Were my legal rights violated? Wouldn't XXXX even be past the statute of limitations if this debt is 17 years old? I only have 14 days to figure this out according to the court papers. Did this company break a law by not serving me correctly? I called the attorney on this and she said that nothing can be done and they do whatever they need to do to collect this debt. I don't even know if this debt is truly mine. I would like to know my legal rights regarding this. I just found out recently that an ex wife that I've been divorced from for several years still has a credit card with my name on it and I shouldn't be responsible if I didn't create the debt but with such limited information I can't defend myself on this. The only information I have is that the debt is 17 years old and that this company went to court without properly notifying me twice and a judgement against me was made and now I'm being garnished.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ive had this car since XXXX of 2016 and they told me only XXXX dollars came off the loan Ive complained to them many times about the loan and Ive complained that they are collecting on a car that has factory defects to the car is a lemon reported by XXXX  and they charged me to much for the car and they are not applying my money to the principal and they are charging me interest everyday Im late even before the ten day grace period starts Ive told them the car has been in the shop over 15 times and it s still in there for the same thing from two years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Associated Credit Services, 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: Their investigation did not fix an error on your report

Complaint:
This company responded to me on a previous complaint that they closed this account and returned it to their client and that they are no longer the company to deal with this account but yesterday XX/XX/2019 I received a letter from them asking me to pay them. Is this a joke or what is going on with this company. I am providing their response to my first complaint. The letter also says final demand for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Experian Information Solutions Inc.
State: WI
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:
Signed up for Experion 's " TustedID Premier '' service on XX/XX/XXXX, which was the last day of the offer. Received their Activation Email at XXXX. At XXXX was unable to sign up due to " System Unavailable ''! At XXXX it was " high volume ''. Tried a different computer at XXXX with the same results. Called their Customer " Support '' at XXXX and spoke with XXXX who promised to " escalate '' my case. Called them XX/XX/XXXX to followup and was told by XXXX that the offer was expired and could not be overridden. Requested a supervisor and XXXX told me the same same thing. Offer expired -- -can not be over ridden etc. She said they would again " escalate '' my information for further review and get back to me in 10 days or so. Of course, I never heard back from them. Evidently, " escalate '' to them has a different meaning.

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 2022-08-12
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was selling a ring on XXXX XXXX. Someone contacted me to purchase the item via Zelle as payment. They started having me go through a serious of steps to get the money transferred. I followed in the beginning because the original explanation was true regarding how much money you could transfer from Zelle during a single transaction. 

This all happened on XX/XX/2022 for the total amount of {$1500.00} ( {$500.00} then {$100.00} ) I contacted Zelle and my bank, XXXX and they both said that it was immediate transaction and there was no way to recover the money and no insurance on the transaction because it was not done with a friend or family member.

Company response to consumer: Closed with explanation