BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-20
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  submitted fraud documents which caused wrongfull judgement from collection agency XXXX XXXX XXXX i have attached voluntary dismisal WITHOUT PREJUDICE. XXXX XXXX  reporting has to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Utah System of Higher Education
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, I applied for consolidation of two Utah Higher Education Assistance Authority ( UHEAA ) student loans, acct # 's XXXX and XXXX, through the Department of Education that were to be serviced by XXXX ( the only account numbers I have at this time are the ones listed on my credit reports ). The consolidation was approved and funds were disbursed to UHEAA on XX/XX/XXXX. At this time I was advised that all future payments were to be made to XXXX. Unfortunately a clerical error occurred and consolidation was rejected by UHEAA however I was not informed and representatives of XXXX did not appear to have any knowledge or record of the rejection by UHEAA and UHEAA representatives did not appear to have any knowledge about the status of the consolidation or that it was rejected. I was being billed monthly by both UHEAA and XXXX for the same loans, and both companies were reporting these accounts to the credit bureaus, unfortunately I could only afford to pay one company the majority of the time so I made XXXX the priority, considering I had received the consolidation paperwork and was told the consolidation was complete. As a result I fell behind on the UHEAA payments and they were reported as late payments on my credit reports. Multiple calls by me to try to resolve the double billing/payments to both UHEAA and XXXX were unfruitful, it took over a year of making calls, asking for forbearance 's and finally an investigation by the Department of Education XXXX office for resolution. 

As a result of the Department of Education 's Investigation the consolidation was finally successful on XX/XX/XXXX. Payments I had been making to XXXX during the previous 14 months were refunded to me and the accounts they were reporting on my credit reports were removed, however the negative marks on my credit reports regarding the UHEAA accounts remain. Juggling payments and forbearance 's between UHEAA and  XXXX and the financial hardship caused by this situation resulted in past-due payments to be reported to my credit files in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 60, 90 and 90 days respectively on both UHEAA loan accounts ( XXXX and XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: Experian Information Solutions Inc.
State: NY
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:
My credit file for XXXX XXXX isn't reporting late payments correctly. the XXXX, XXXX, XXXX, XXXX, and XX/XX/2020 late payments were all due to the covid-19 pandemic.

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 2022-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
When will the harassment end? This is harassment!!!! Aggravated harassment abuse is illegal. Portfolio Credit Recoveries is lying. I am the consumer, a natural person AND the original creditor. You can not VERIFY debt without me. Have you verified? I will not be providing identity documentation because your response to my complaint proves my claim. I do not owe you this alleged debt. Please find proof of my disputes that you fail to provide documents that VERIFY this alleged account belongs to me. A statement does not prove an identity. As stated, your aggravated identity theft tactics can not coerce me into paying this alleged debt. I am protected by law. You are a debt collector, you are not the original creditor. I am the original creditor. Show me proof that I owe this money from YOU. Show me the bill of sale that you paid for this alleged debt. Please find attached, my proof of cease to desist along with certified proof. I will be contacting the Attorney General about this abuse as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been making payments each and every month to PCS since XX/XX/2013 ( 7years ) I have not missed sending them a monthly payment, yet. 

Recently, they've decided they need to call me and email me asking where my payment is - ( it's already been sent - and the month is not over yet -but they call and email me ) I talked to them on the phone and they talk like i've not been making payments every single month for 7 long years. They act like i'm being difficult and not sending them anything, when i told her I haven't missed a month yet, why are you calling all the time now? She says i need to make a payment ( like i haven't been! ) - it's frustrating. I told the last caller to not call me anymore. So now they sent an email, which i can not reply to. I'm just annoyed. I don't need to be harassed when i'm sending you money each and every single month. I could understand if I haven't been good about making payments to them, but I have!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I was approved for a loan modification that had principal forgiveness every XXXX for 3 years. XXXX is here, and of course, no principal forgiveness as promised by Ocwen. Each and every year, I have to reach out in order to receive the principal forgiveness that was promised to me. 
Again, I am to receive a principal forgivenss and they did not do so. Not only that, my loan is being sold to a new lender as of XX/XX/XXXX, and I do not want to hula hoop with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
hello three weeks ago i put money in pay pal they said if I put money in I can use it to pay out with no fees I have called 6 times Ive been on the phone 8 hours Ive had 2 representitives tell me a supervisor would call me back every rep says they see my XXXX bucks BUT when they try to get it release even they cant get it out of pay pal I want my money back they continue to tell me its there, and they are sorry they cant get it to me pay pal email is XXXX repsectfully XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09
Company: BMW Financial Services NA, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I sent BMW Financial Services an affidavit requesting proof under penalty of perjury that they are in fact the true creditor, and not an elaborate scheme. I have reasons to believe that BMW obtained payment for my vehicle by way of selling the promissory note I affixed with my signature on XX/XX/XXXX XXXX, when the transaction was initiated. Therefore, my vehicle is paid in full. I requested documents from BMW Financial Services proving they are in fact acting according to Truth In Lending, FDCPA, and in fact the lender/creditor and under what rights does BMW Financial Services have to " bill me '' for monthly payments, if they havent actually lent me anything. Its required under 10 Maxims of Law that a lien or claim can be satisfied only through rebuttal by counter affidavit point by point, that which BMW financial Services failed to do. Instead, they sent a letter that addressed none of my concerns. They provided the contract in question, which I did not request. I have attached a copy of the 10 Maxim Laws for your convenience. As of today XX/XX/XXXX, my affidavit remains unrebutted. Despite being required to stop all debt collection activities until this matter is resolved, and cease and desist all communication, I have received emails and calls from BMW Financial services violating 15 U.S Code 1692c ( c ). BMW Financial Services also attempted to scare me with threatening language which is a violation of Title 15 USC 1692d ( 2 ), I have attached a copy of the letter with the violation highlighted. They were required to provide verification that an actual debt really exists. The language in their letter indicates that my affidavit wasnt comprehended properly or ignored intentionally, whichever the case I have provided/attached a detailed list to reiterate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Approx XX/XX/XXXX, fraudulent charges against my bank account began to apply. The amounts varied from {$40.00} to {$200.00}. They hit several times a day, and have hit every day. I called the bank Friday Morning to address and stop. The bank just keeps paying them. they all start with the name 'XXXX B ', and then 20 random digits, followed by my full name, and the date. Even though the account went overdrawn several days ago, the funds are still being transferred out, simply driving the account further under. I have called 3 times, Bank ( Fifth Third ) refuses to prevent the charges, says the only action they are willing to take is close my account. My Mortgage is linked to that account, all my utilities, my credit cards. This almost identical situation happened a little over a year ago, and it took MONTHS to finally get things running smoothly. I had to spend 8 months chasing my Tax refund because it was somehow miss-routed and paid to the closed account, and then just 'disappeared '.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi ERC ; I'm on the phone with the ERC representative XXXX XXXX Desk # XXXX and she said that the account was opened in XXXX Texas for XXXX and the remainder balance of {$1200.00}. First of all, I never lived outside of Massachusetts, and the variation of my name doesn't match what they have in the system. This error entered on my credit profile is costing me {$1000.00} 's of dollars because my credit score has dropped -87 points from 800 's into back in XXXX. I need this remove and any addresses associated with this fraudulent address. Again, this account doesn't belong to me and I need this permanently deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: A.R.M. Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed this date ( XX/XX/18 ) a letter to A.R.M. Solutions regarding a debt they indicated of {$15.00}. indicating that I paid for a newspaper subscription in full. It ended. The XXXX XXXX continued to send me papers, after I advised their C.S.R. on the phone that I did not want to renew. I do not owe the XXXX or this debt collector anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions 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:
My backpack was stolen with my ID and social in my wallet inside it almost 10 years ago. I was contacted my a debt collector that I had no idea what they were talking about so I had my credit reports pulled from all three bureaus. After receiving the reports I seen a whole lot of accounts, names, addresses, and socials that I didn't authorize or know anything about. I immediately filed a police report and identity theft report as well as disputes with all three bureaus. They have not done anything about it and are holding me liable with no proof that I opened these accounts or haven't sent me what proof they may have because they are not mine.

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 2019-05-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
made complaint about company to CFPB company placed a hard inquiry on report. This is a violation of improper credit use of consumer information

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 2021-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of 2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
firstly, I never remember taking out a non-federal loan with anyone while in XXXX schoolbut they said it is private so I guess I have to believe them. I have refinanced all of myfederal loans into one payment that I can afford. They started calling me about these and Ihad no idea what I would do. They worked with me at first and gave me low payment that I could afford then the servicer changed from XXXX to AES. The amount doubled and when I asked why they said something about interest and said next month would be lower it wasn't. The next month they called and said it was a temporary plan and this was my new amount. No one in customer service seems to know what they are talking about. I asked if I could refinance this in my federal loan since AES services federal loans and they said " no '' then I explained that I am paying my other loans and have a child and have had to take money from savings to pay the last 2 months. I can not continue to do this- I simply do not have the money and I work 2 jobs. If they can not do something to help me I will have no choice but default. Last year when I did not know I owed them they had a 3rd party  collection agency call me multiple times a day wanting to know when I would be making a payment. They really do not understand the concept you can't get blood out of a stone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-24
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I was fraudulently charged {$210.00} by " XXXX * XXXX. '' I informed Chase of the charge, and they reversed the charge and issued me a new card number. However, on XX/XX/XXXX, Chase re-charged me for {$210.00}. I called Chase 's fraud department on XX/XX/XXXX who informed me that " XXXX * XXXX '' provided proof of purchase of an " oil pastel. '' Chase requested that I provide " proof '' that I did not make this purchase, so I provided an Identity Theft Report from the FTC and awaited follow-up. 

On XX/XX/XXXX, I received written correspondence from Chase that they still believe the charge from " XXXX * XXXX  '' is valid. I have called and left messages at " Senior Specialist '' XXXX 's number without response. Despite repeated attempts at informing Chase that I did not initiate or approve of this charge, they are still billing me for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: LoanCare, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 a loan modification agreement between myself and Loan Care mortgage company was signed and notarized ( see attachment 4 ). 

Loan Care has continually violated the terms of the agreement. 

Monthly payment were set at {$450.00} ( see attachment 2 ) and have repeatedly been adjusted in violation of the agreement. ( See attachment 2 ). 

Payments continue to be made into the escrow account, which I have requested on numerous occasions, be stopped, and be transferred to my control AS PER agreement terms ( See attachment 3 ). This is AGAIN a violation of the agreement. 

Im requesting that the Lender, Loan Care, comply with the legally binding agreement that was signed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX My home of 26 years was damaged XX/XX/XXXX. My insurance company, XXXX, issued a check on XX/XX/XXXX and sent it directly to Rushmore Loan Management Services, XXXX XXXX XXXX, XXXX, XXXX XXXX. RLMS claimed that they then sent the check to me to sign. I never received that check. On XX/XX/XXXX, I reported to XXXX XXXX that the bank lost the check. It was cancelled and another check was sent to me on XXXX. I received and signed the check XXXX and sent it certified on that same day. 

Before XX/XX/XXXX, Rushmore gave myself and the XXXX XXXX XXXX all of the missed documents they needed. This was completed at the beginning of XXXX. As of XXXX, I called to see if RLMS had received the check. It has been cashed, I was told by supervisor " XXXX '', that the XXXX which they previously told us had not been dated by XXXX XXXX ( which I witnessed them signing ) had been faxed, but their fax machine 's ink was so light they needed it sent again. They also told me they were emailing a form I needed to download, sign and send back to them. This form was not on the list I'd been previously told was needed before this date. They also have not sent that blank form to me as yet. I will have to call them AGAIN! 

NOW they're claiming that my mortgage payments are behind and THAT is their reasoning for holding my funds!!!! This info was revealed ( magically ) just today at XXXX, and the clerk said again that they hadn't received a form that I KNOW I'd sent them previously with other forms they weren't claiming to be missing. 

I asked the clerk for a supervisor who then said that the claimed " missing form '' was NOT missing! We then did a 3-way call to the construction company owner, who AGAIN faxed the documents that the supervisor said weren't completed and why. This is the 2nd supervisor who has said she would followup on this matter. 

This bank is holding the funds for the repairs and keeps putting blocks up as excuses not to payout the funding to me. The interest on this payment must be paid to me by law. However, I need to just get the payment from them that they are holding from me. ( Please do not publish my address on this letter. ). I want to repair the damages to my home which are worse because of the harsh weather they are enduring. 
PLEASE HELP ME WITH THIS!!!

Company response to consumer: Closed with explanation