BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-12
Company: TRANSWORLD SYSTEMS INC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI Transworld Systems Inc ( TSI ) ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I keep on receiving a bill of {$2900.00} for late payments from my IDR. Even though my IDR was recalculated on XX/XX/XXXX with a monthly payment of XXXX. The first recalculation of XXXX was dated XXXX XXXX with a monthly of {$980.00}. This first calculation was incorrectly done by fed loan because they used my old tax form of XXXX which I had uploaded in XXXX that stated that I filed jointly with my husband now ex-husband. And it was used to calculate my 1rst IDR request of XXXX even though I had uploaded my current tax form XXXX which indicated that Im head of household and single. The error was made by fed load not by me. All the current files were uploaded to be reviewed by fed loan, and they failed in doing so. 
This is the timeline of dealing with this issue : XXXX I send my IDR re-certification, including current tax information and paystubs XXXX receive the letter of IDR monthly payment  recalculated of {$980.00} XXXX I make several phone calls to Fed Loan, talked to many different agents. Many without giving me a straight answer or not even knowing how to handle the issue. In between these dates I resend the IDR request on XX/XX/XXXX and include again current tax and paystubs XX/XX/XXXX XXXX I receive again the IDR monthly payment recalculated of {$0.00}. 
XXXX-today- they are saying that my account is pass due and now in severe delinquency XXXX- I email Fed loan about issue. 
XXXX- I receive an email response from Fed loan still saying that I need to pay the amount {$2900.00} because they claim that, were unable to receive a legible paystub from you we were unable to calculate your payment off of your paystub.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
during the first 4 months of this year i fell ill and was forced to retire from my job and start collecting ss so in essence i had reduced income during this period while waiting for the ss to kick in unable to make mortgage pmts because of change in my income repeatedly denied a loan modification stating no change in finacial position

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: WELLS FARGO & COMPANY
State: AZ
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:
After numerous disputes between XX/XX/XXXX and XX/XX/XXXXof an alleged missed auto loan payments dating from XX/XX/XXXX with Wells Fargo Dealer Services ( WFDS ), and recorded with XXXX, XXXX, and XXXX ( CRA 's ), I sent a series of letters to WFDS fromXX/XX/XXXX to XX/XX/XXXX demanding under 15 USC 1692e and FDCPA 807 ( 8 ) ( 9 ) ( 10 ) that it provide verifiable evidence bearing my signature that this auto loan missed payment record belonged to me. WFDS and the CRA 's continued to claim this record was " verified, '' and never provided me the proof of such verification as I required and supported under the FDCPA laws stated herein. Thus, I filed a small claims lawsuit against WFDS in XX/XX/XXXX to force it to  delete the record from each credit bureau as well as pay me the maximum allowed under the laws of Arizona -- {$3500.00}. WFDS subsequently lost this case on XX/XX/XXXX due to insufficient evidence to support its case, and thus showed an inability to provide verifiable evidence to the court of this record. Final court documents stating the amount owed to me, the Plaintiff, and a legal request to delete the record were provided to the President 's Office for WFDS in XXXX, NC, its Credit Bureau Dispute Resolution Unit, as well as each CRA onXX/XX/XXXX. XXXX has subsequently deleted the record. However, XXXX and XXXX have not. I received a response from the WFDS Credit Bureau Dispute Resolution Unit dated XX/XX/XXXX that stated, " The record was verified. ''  Both XXXX and XXXX claim the same statement in spite of receiving court documents requiring the record be deleted. WFDS has a legal court-ordered obligation to delete the record with each CRA as well as pay the lawsuit fines as ordered by the XXXX XXXX XXXX XXXX -- period!

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 2017-10-03
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello : I had this 1st mortgage loan when I purchased my condo back in XX/XX/XXXX. XX/XX/XXXX.  When the economy collapse same our property value and we lost our jobs. We tried in the past to have a loan modification, principal reduction submitted documentation and never an answer with Chase. 
We were lucky to come back and continue with our lives even thought our condo was n't value at the price we paid for. 
Now after 12 years I had another unfortunate even and I 'm dealing with XXXX. I lost my job because I need medical treatments and appointments. I 'm take medication to battle this XXXX. My family has been a tremendous support for this. Since they are helping to continue paying mortgage, property taxes, HOA and other general living expenses. I applied for a mortgage modification back in XX/XX/XXXX. I was asked to provide a series of documentation and proof of paperwork, which I did. Now after 10 months in the process the modification still in progress. Chase had changed more than 10 times relationship managers, they are procrastinating with my file, they do n't provide customer service, they are um professionals, no courtesy no respect to a great customer for Chase. I had never been defaulted, never missed a payment and here I 'm requesting modification based on my hardship. I had been asked for same documentation all over again. Even though documentation was already provided. they are a joke. These employees are just not serious enough. I have been discriminated by their employees because I 'm XXXX and they think I do n't understand the law or the financial regulations and process. But I will say that I have been documentation every conversation, documentation and so on so I have an strong case to proof all the aggravation I had received from Chase. At this time I want you to enforce and try to assist on with this case. We want Chase and the loan modification  department to give their final answer on our loan modification. All documentation has been faxed to Chase from their branches and I have copies of dates and times that when documentations were provided. So I do n't want for them every month ask me for documentation that they already have on file just because they keep changing relationship managers. 
I 'm ready to go to the President of the United States, Congress and the press in regard to the discrimination and predatory lending that Chase has put me. 
Any help is greatly appreciate it. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: WorldRemit Corp.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
WORLD REMIT usually transfer my money to XXXX in hours, but my last Transfer # XXXX ( case # XXXX ) from XXXX XXXX for {$400.00} is not paid to recipient until today XXXX XXXX. 
Else, they not answer my cuestion : where is this money or when will pay it? 
I called 5 times by fone but diferent people every time, said, sorry they will pay in 2 days ... and nothing happend.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. And Pursuant to 15 USC 1681a, the transaction and the experiences between the consumer must not be included in the consumer 's 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 2017-12-26
Company: DISCOVER BANK
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 was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : Discover Personal Loans Account # XXXX I was never 30, 60 or 90 days late in the month of XXXX and XXXX XXXX. 

I 'm not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent information regarding a cell phone bill with XXXX XXXX XXXX from XXXX, and I have not had phone service with the company since early XXXX. I have submitted proof to XXXX XXXX XXXX proving that my bill was paid before I terminated my contract as my new service provider XXXX would not have reimbursed me and paid my early termination fee without a XXXX balance. The account number that was recently given to me regarding this account does not even match the account number I had when I was an XXXX XXXX XXXX customer. 

I am not sure why XXXX XXXX XXXX is targeting me for a debt I do not owe and never owed. This false attempt to collect a debt from someone who does not owe one feels like harassment and has affected my credit. While I am disgusted with XXXX XXXX XXXX, I am equally disgusted with the creditor company, Sunrise Credit Services , Inc. for not doing their research and targeting me as well. 

As suggested by my attorney, I will be pursuing legal action for emotional distress against Sunrise Credit Services , Inc. and XXXX XXXX XXXX if this matter is not handled meaning removed from my credit and my name out of their systems immediately.

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 2021-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 am a victim of identity theft. Due to the XXXX XXXX Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Square Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
{$350.00} incoming payment to cash app. Cash app denied my payment on purpose and there is no customer service to talk to about this. They then put the money on hold for 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/XXXX I received from the human resource office of XXXX XXXX XXXX a copy to Writ of Garnishment of something sent from the XXXX XXXX XXXX District of XXXX XXXX against me for the amount of {$3100.00} which occurred on XXXX. 
On XX/XX/XXXX, I sent a certified letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX to the XXXX XXXX, LA address that was provided on the document. It was supposed to arrived on XX/XX/XXXX but did not due to the wrong address on the document. When I called to get a corrected address and told them what had happened, the clerk didn't want to talk to me until she got the last four digits of my social and she can find out who I was so she could start the recording. She said her line that this was attempt to collect a debt and I was being recorded. She looked up the account and said that the debt was back in XXXX and could I make a payment in full. I hung up since I did not want to be recorded or her alter her statement to be my statement. I resent the letter on XX/XX/XXXX via certified mail as of XX/XX/XXXX it should be there. The new address is XXXX XXXX XXXX XXXX # XXXX XXXX LA 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 2022-03-15
Company: Rocket Mortgage, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a primary home mortgage with Rocket Mortgage. I signed up recently for their bi-weekly payment option ... .why? Because as a " Consumer '' I want to try and improve my financial position by paying my families mortgage off sooner! I assumed that Rocket mortgage bi-weekly payment program worked like every other bi-weekly payment program at EVERY other mortgage company in the world... meaning they apply my payment when they receive it which brings my AVERAGE DAILY BALANCE down and saves me the CONSUMER interest ... I also get the benefit of making one extra payment per year ... .BUT GUESS WHAT? The dishonest pieces of XXXX at ROCKET MORTGAGE dont apply the payment ... rather they hold onto it until my next monthly payment is due and then apply it ... SO RIDDLE ME THIS, HOW IS THAT IN ANY WAY BENEFICIAL TO CONSUMERS???? HOW? Could the PIECES OF XXXX at ROCKET MORTGAGE sit in front of a congressional hearing on how US CONSUMER get screwed and explain how this program in ANYWAY is beneficial to consumers??? ALl it really does is give the dishonest PIECES of XXXX at ROCKET the use of my money for an entire month. They get to make interest on that money and I DONT GET ONE SINGLE BENEFIT. Now, I am sure that these DISHONEST PIECES OF XXXX at ROCKET MORTGAGE have a SUPER PAC and XXXX  in DC that pay our politicians to allow to XXXX consumers! BUT PLEASE, CFPB... PLEASE PROTECT Consumers against these DISHONEST PIECES OF XXXX at ROCKET MORTGAGE ... their executives do this so they can protect their balance sheet by making more interest and they in turn get fatter executive bonus... But ALAS, there is not one thing a consumer can do ... NOT ONE SINGLE THING... They will stand behind their position that " It is in the fine print of the contract '' ... They can take their fine print and shove up their dishonest collective XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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:
I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX regarding an XXXX dollar charge off on my credit report from an auto loan I had with them years ago. Account was considered paid in full on XXXX, XXXX, XXXX. I was told by the representative to send in disputes to Experian and XXXX. I sent in disputes through the mail with Experian and XXXX. XXXX has not responded yet. Experian responded that they could no dispute the charge since the account was paid in full and is considered " closed '' On my credit report, it shows a XXXX dollar " charge-off '' amount putting a negative impact on my XXXX XXXX. 

To go into detail, I was in a car accident in XXXX and the amount that insurance did not cover for the rest of the loan was on us. XXXX XXXX XXXX XXXX agreed with a payment-plan to get the rest of the amount owed paid off, which was {$1300.00}. There was never a late payment recorded either. 
My credit and ability to go get a new car is impacted by a {$0.00} charge off, which is ridiculous. Dealerships automatically think I had my car repossed with this on here.

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 2022-04-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-01-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Im unable to place or remove a security freeze on my credit file and XXXX XXXX XXXX is unable to check my credit report and told me there is a freeze on my file and my Equifax account has a glitch issues and it needs to be addressed and fixed I cant add a freeze and remove it off my file I dont have a freeze right now but XXXX  XXXX XXXX said my Equifax credit report is frozen on there end.. I need have this glitch fix on my Equifax membership

Company response to consumer: Closed with explanation