BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am not requesting the itemized bill, I am requesting an instrument bearing my signature.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.

By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. " I received your letter & I am the one inputting this dispute. My last one was closed for no reason ''.

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 2022-02-16
Company: Maximus Education, LLC dba Aidvantage
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have had student loans since 2000. It has been a struggle to pay them. My interest has racked up making it double what I initially owed. {$35000.00} loans are now {$70000.00}! Even during the pandemic XXXX calls constantly. They never allowed me to not make payments even though it was a federal mandate for all student loan borrowers. The debt is overwhelming and I don't agree with all of the fees they keep assessing on these loans. I'm not sure how to proceed with this or what to do. They are nasty to talk to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
the mortgage company is Ocwen..they refused to do a modification, I even got a legal aid lawyer that turned on us..after fighting with Ocwen for over two years they forced me and my family out, we did use the XXXX XXXX XXXX and they gave us a runaround.We paid other companies to help, we did.Every way we took to save our home, Ocwen through up a brick wall , they would n't compromise in any way ... although I send them adequate income all they wanted was my house and on XX/XX/XXXX they put us out, even though we had a son which was extremely ill, our son was a XXXX with serious issues, we were forced to leave and seven months after being forced out our son XXXX away in XXXX XXXX..we beg and pleaded with them, we were homeless for 17 days, we had to put our son in the hospital because we had nowhere to go, I wrote senators, congressmen, governor, even the president ( Obama ) no one helped..We knew that Ocwen was stealing the house we built away from us and nobody cared ... fourteen years, they sold our mortgage several times and yet nobody informed us.How could the government we pay taxes to, to protect us, how could they just turn their backs and allow these greedy soul-less companies steal our home..where is the justice!!!!!

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 2022-02-16
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company failed to properly communicate my rights as well as the account information. They never validated debt after request. I never received written report that they had an account from them. They sent to an address that was incorrect and refuse to remove this off my credit. Once they got in contact with me, I asked for a debt validation which I never received and I attempted to settle this to not have it on my credit. After I paid it they then reported to the credit bureau. They also reported it incorrect. XXXX XXXX never gave them the proper address and I have been at the same address for years. I have been in litigation with XXXX XXXX about my account balance so I took this opportunity to just pay a settled amount prior to it going on my credit. These people are very rude and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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 inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet.I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: ROBINHOOD MARKETS INC.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I have a brokerage account with Robinhood and I hold cryptocurrency in it. I had the Robinhood XXXX  account which I pay a monthly fee of XXXX dollars for it. I downgraded my account to the regular account but Robinhood still charged me the monthly fee of XXXX dollars without my authorization so I contacted Robinhood and requested that they refund me the XXXX dollars monthly fee for the XXXX  account since I cancelled it but they refused and they said I was one day late so I asked them to either refund me my money for the rest of the month or reactivate the XXXX  account at NO charge since they already charged my account but they still refused. Robinhood charged me the monthly fee for the Robinhood XXXX  eventhough I cancelled and I wanted to have just the regular account. Robinhood has the worst customer service and the poorest quality customer service people. They enjoy ripping peoples money off. They have a shady business that needs to be investigated. They charge my account for a monthly fee for the XXXX  service that I already cancelled and when I asked them for a refund they refused to refund me the money or reactivate the XXXX  benefits since they already took the monthly fee without my authorization. The worst company to deal with and the worst customer service and a XXXX  representative XXXX case id XXXX. My account number XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : 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 non-monetary relief
Consumer complaint received 2020-09-15
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identity Theft! I received an update from credit bureaus that there is a negative item reporting on my credit. Upon inspection, I noticed there were accounts open that were not mine. I tried calling to resolve the issues but no one was willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the consumer reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act and finally some misinformation like my name, address, and employer to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$16.00}, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$8600.00}. Inquiry : XXXX 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 non-monetary relief
Consumer complaint received 2021-02-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Since XXXX my mother fell behind on her mortgage due to pandemic ( illness, job loss and tenant loss ) and was able to resume paying more XXXX vs the XXXX that she was paying before effective XX/XX/XXXX and will continue to pay this amount. Since XXXX I have attempted to work with SPS to either A. defer the outstanding balance to end of loan or B. allow her to repay the amount into months that does not exceed XXXX dollars. I have sent paper work, filed multiple loan assistance forms for them to share in XXXX that they can break up payment into XXXX ( she will lose her house and set herself up for failure if she accept this plan, I have shared this with SPS ). Again on XXXX I re applied for her with the same request only for SPS to again on XX/XX/XXXX share that they need her to pay XXXX. Please help my older single widow mother keep her home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Ocwen Financial Corporation
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:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers.

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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: Investigation took more than 30 days

Complaint:
I am XXXX XXXX on XX/XX/2022 I disputed an account reported by DPT EDXXXX in the file you maintain under my Social Security number. I was informed on XX/XX/2022 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on 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 non-monetary relief
Consumer complaint received 2022-02-16
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 disputed a Bankruptcy account that's inaccurate. Equifax came back claiming it was verified with XXXX. The furnisher of this account is XXXX court house where I sent a letter to. There response is enclosed. I will also send the verification letter from equifax as to how they verified. Even after a ton of proof I sent to them they continue to violate my rights. I want this account removed for deformation of character and for lieing about have it verified by the furnisher. Thank you. Evidence is enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: FMA Alliance, Ltd.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill from the hospital and it was due on XX/XX/XXXX. Before I had the chance to pay it, the hospital sent it to a collection agency, FMA Alliance , Ltd., on the day it was due XX/XX/XXXX. I called the hospital on XX/XX/XXXX and paid off the bill and was assured that it would be recalled from collections since it should never have been sent in the first place, I was told it must have been a " glitch '' in the hospital 's computer system. On XX/XX/XXXX IXX/XX/XXXX received a letter from the collection agency stating I still owed the payment of XXXX. I explained that it was paid in full to the hospital but that did not matter. I was told that I still had to pay the collection agency, FMA, as they were not notified it was paid. On XX/XX/XXXX I contact the hospital and explain, they say they will contact  the collection agency, FMA. Called FMA back to make sure it was taken care of, was told it would not be cleared until they received payment I gave to hospital. Tried to work with hospital, they treated me like I never paid and was lying. Collection agency just threatens to put on my credit while demanding payment. Said they will continue to contact me until they receive payment from me or hospital. Hospital said they do not take the payment from me to send to collection agency. So not only did hospital send it to FMA in error, now that it is paid in full, FMA still wants the same payment. Hospital 's solution, just ignore them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Lendmark Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XX/XX/XXXX My complaint is that my lender has not provided me with a complete monthly statement since taking over my loan. 

XXXX XXXX was my original lender. in XX/XX/XXXX, the company XXXX XXXX  purchased XXXX XXXX. When the new lender took over I stopped receiving monthly statements with details like ending balance and how much of my payment went to primary loan and how much of it went to interest. We are now at the end of XX/XX/XXXX and XXXX still ca n't print the information on my monthly bill note.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
On XX/X/16 I did a transfer of XXXX from my credit card to my wife 's credit card. This transfer was never complete, because I could n't do it from my account to a different person. Have been trying with these credit cards to get my money back, but it is been so hard, they do not want to resolve the situation, and every time I call them they accuse one to another. They charged me this money ( XXXX ), but the money is nowhere to be found.

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 monetary relief
Consumer complaint received 2017-12-30
Company: Seterus, Inc.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Called XXXX, XXXX on XX/XX/XXXX, on or about XXXX pm, to report XXXX payment will be late do to circumstances beyond our control and that payment will be made on or before XX/XX/XXXX. I asked that the missed payment not be reported to the credit bureau. I asked for discretion in this matter. The agent stated that by law, the missed payment must be reported. I disagreed and asked to speak to a supervisor. A person came on the line that was extremely belligerent, argumentative and unkind. He spoke over me and scoffed at the idea of good customer service. I questioned whether he was a supervisor because of his demeanor and asked for his name. He said his name was XXXX and then he spelled his last name as " XX/XX/XXXX '' Essentially, he told me to XXXX XXXX. He threatened to liquidate my home for the missed payment because he said the missed payment indicated I could not afford to repay the loan, so they would have to take the house. I indicated that since we have been in the XXXX modification progam, this was the first missed payment. He said he did not care. I asked that the missed payment not be reported because we will be making the payment soon. He said it was a federal law that it had to be reported. I asked what law was that. He said I had to do my own research. Mean while he was yelling and very hostile and talking over me. He also was very offensive. I would like the recording reviewed and he be dealt with appropriately. I would also like an apology for the offensive behavior. Further, I would like the reporting to the credit bureau of the missed XXXX payment waived. The payment will be made on or about XX/XX/XXXX. There is a discrepancy with the wages the payment will be made from and we will not have access to it until on or about 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