BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-27
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I submitted a CLAIM with chime and they are required to give you your money back after 90 days which its going on 100 and they want to keep lying saying they escalated the case or whatever and cant give me my money back until then if your app says a certain amount of days and its in your policy you are required to do so by then not after not when you please because your lazy and dont want to do your job. Ive called over 30 times regarding it and they say the same thing each time the managers are unprofessional and useless because they give you the same information as a entry level person they also lost my taxes or never got the deposit yet Ive had multiple payments sent to that account before and all of a sudden they dont receive anything. The managers dont try to help theyre rude as XXXX and unprofessional as XXXX and keep wanting me to wait 3 business days yet Ive been told that for 2 weeks and still have not received my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
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: Their investigation did not fix an error on your report

Complaint:
i disputed 2 accounts in XX/XX/XXXX and XX/XX/XXXX the problem was not fixed. There was know investigation one show status dat XXXX XXXX and the other show XXXX XXXX this is a clear violation of my rights. delete this accounts. I have attached 2 copies showing where it states they investigated but the date shows different. Delete

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 2020-10-06
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: Omega RMS, LLC
State: OH
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Someone has stolen my identity and has apparently opened a mortgage in my name. I 'm not sure on how how stop this, but this is not my mortgage and the debt is n't mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, 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 disputed 2 accounts in XX/XX/XXXX and XX/XX/XXXX the problem was not fixed. There was know investigation one show status dat XXXX XXXX and the other show XXXX XXXX this is a clear violation of my rights. delete this accounts. I have attached 2 copies showing where it states they investigated but the date shows different. Delete

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: MD
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 is XXXX XXXX and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2021-07-28
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage company Mr. Cooper and the FHA refused to do a loan modification or partial claim due to the fact that my ex-husbands name is on the loan. I haven't seen him since XXXX, no clue where he is. I understand they have rules but I have got to believe that rules are meant to be broken or modified due to certain circumstances. I had proof that I had made all payments since XXXX. In XXXX I was out of work for 8 weeks because I'm a XXXX and business was slow when we returned. I was expected to pay the mortgage company {$8200.00} in a lump sum and pay the remainder over 3 months with my regular payments. I've lived in the house since XXXX, so I have no desire to move but the mortgage is trying to bankrupt me because of something that is out of my control. I was in a forbearance since XXXX of XXXX. If I would've known the fine print of all the rules, I wouldn't have done a forbearance at all. The forbearance did not help me at all. I also expressed my complaints to the FHA but all they said was that the mortgage company was following the rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
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:
there are 2 accounts on my reports that I asked to be investigated but was never done. XXXX 'XXXX  XXXX I disputed XX/XX/XXXX and XX/XX/XXXX status date shows XX/XX/XXXX -- -- XXXX XXXX XXXX XXXX I disputed XX/XX/XXXX and XX/XX/XXXX once again Status date show XX/XX/XXXX these account was never investigated and I would like them deleted. I will upload proof. Delete at once

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: NCSPLUS INCORPORATED
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2018, I underwent a XXXX XXXX XXXX, that is covered under emergency benefits with my insurance. When the surgeon from XXXX XXXX, XXXX. sent the claim to the insurance company, they denied it because the XXXX  was out of network, even though I am covered in XXXX XXXX XXXX cases, regardless of the network the services is acquired. 

We appealed this with the insurance company and were denied multiple times. 

The surgeon from XXXX XXXX, XXXX. sent my name to collections for the remaining balance of $ XXXX when in fact, its the insurance company, XXXX XXXX, that is delinquent. 

Now NCSPlus Incorporated has put a huge $ XXXX debt on my name and has ruined my credit. Over a medical issue that was completely covered. 

My issue here is that NCSPlus Incorporated should be sending their collections notices to XXXX XXXX since its their debt to be paid, not mine. This huge mark on my credit hurts my life and livelihood. Im now stuck in a hole that I should never have been in to begin with because I was 100 % covered at the time of the XXXX XXXX XXXX performed in XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-31
Company: Investment Retrievers, Inc.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
My name is XXXX XXXX. I signed up with XXXX XXXX in XX/XX/XXXX for online classes but I could n't pursue after having a baby so I called and cancelled. I was never registered online. It 's now XX/XX/XXXX and they have this account with investment retrievers listed on my credit report which is preventing me from getting a mortgage. I have tried to dispute this with credit bureaus and it 's just not going away please help me. I need to move on with my life and this is enabling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
As a result of Capital One buying and selling a debt I created through credit sales unbeknownst to me I have been violated. I am an affected consumer and natural person. Debt collectors by the name of XXXX XXXX XXXX ( " XXXX '' ) and XXXX XXXX XXXX who falsely identify as Attorneys which violates 15 U.S.C. 1692e ( 3 ) took legal action against me twice for the same debt that has been illegally sold numerous times for a consumer credit transaction that I initiated for a credit card on issued by your company for a XXXX XXXX retail card. I am the original creditor for the consumer credit transaction. Credit sales took place without my consent which constitutes unauthorized use pursuant 15 U.S.C. 1602 ( p ), " use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit ''. Both Capital one and the debt collectors identifying as attorneys received compensation which is a violation of 15 U.S.C. 1692e ( 2 ) ( B ). Capital One furnished me with deceptive forms under the guise they were offering me something of substance and value and created the false belief that I was indebted to them which violates 15 U.S.C. 1692j ( a ). I did not give Capital One my direct consent to share my private identifying information with anyone. That includes selling it for profit to other debt collectors including XXXX XXXX who hired debt collectors XXXX and XXXX to take legal action against me twice which violates 15 U.S.C. 1692i ( b ), " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''. Capital One and XXXX XXXX also did not have the permission from a court of competent jurisdiction or direct consent from me to communicate with XXXX or XXXX and make my private identifying information public. This was all done for monetary gain and greed. XXXX took legal action against me by filing a lawsuit against me. This resulted in me being subjected to a default judgment against me and my wages were garnished. My private identifying information for my former name appears on a court dockets which violates 15 U.S. Code 1692d ( 3 ), " The publication of a list of consumers who allegedly refuse to pay debts ''. This is very stressful and upsetting that my consumer rights are being violated in relation to my own credit. I am including in relation to the debt a Debt Validation Letter, Cease and Desist Letter, Rescission Letter, Unearned Interest Letter, and Credit Billing Letter. I referenced the Capital One account number and included the documents in the attachments labeled Enclosures, It has been received by the law firm who employs debt collectors XXXX and XXXX. I will include a copy of the USPS electronic receipt that reflects the documents were received XX/XX/2021 at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
When I phoned back the XXXX number on the collection call, the person was abusively rude. I told him the person he was looking for has n't worked here in years and to take my number off, and that I thought it was illegal to disturb business with his call, he said that " he knows his business '' and " what are you gon na do? what are you gon na do? what are you gon na do? '' and repeated it in an aggressive manner many times. I finally interrupted and said, " report you right now '' and hung up. The company was Commonwealth Financial XXXX at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: National Enterprise Systems, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get daily robo-calls from National Enterprise Systems at XXXX asking for someone who does not live here. This has been going on for at least XXXX months. I have blocked the call, but they still keep calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Aargon Agency, Inc.
State: FL
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:
The argon agency ink is reporting a debt of {$2100.00} owed for my nieces visit to XXXX XXXX XXXX in XXXX  Florida on XXXX XXXX, XXXX 
My niece fall at her home and could not get up. Her knee popped out of place. Her mother was unable to get to her in a timely fashion so she called me and I picked her up and took her to the ER to get her assistance. While in the ER I did nit provide my information other than my ID because I told them her mother had insurance for her, which she does. Long story short the company is report this as negative on my credit report. Ive disputed this on my credit report even provided my nieces mothers name and contact information. Furthermore, the mother agrees with me that this is her debt and not mine. I have never receive a bill or any communication about this debt other than it being reported on my credit reports. Id like this removed from my credit report immediately as this is not accurate nor is it fair to me as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Debt Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This was a third party pay phone company that billed me through XXXX for collect calls to my answering machine from a pay phone in Arizona. I never answered the phone, or authorized or accepted any of the charges! No one was even home at that time.

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 2016-12-01
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We got a XXXX XXXX around 2003 where the policies used by that company were fraudulent. Now we want a loan modification they are trying to sell our hou7se instead of helping us like Obama says they should

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Experian Information Solutions Inc.
State: UT
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 been disputing accounts with the bureaus and have received no mail or any updates. I have stuff on my credit that needs to be removed. I have attached letters that I recently sent but there have been more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: CITIBANK, N.A.
State: TX
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:
- Dispute ID : XXXX - Transaction Date XX/XX/2021 ; XXXX XXXX XXXX, XXXX XXXX, NV ; {$6400.00} - Complaint filed with Citibank stating unknown vendor ; no contact info about the vendor - On XX/XX/XXXX, Citibank approved the charges ( without providing any proof of the transaction from the vendor ) - After multiple follow-ups, the dispute is reinstated, however, no resolution to-date ( XX/XX/2021 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: AMERICAN EXPRESS COMPANY
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 status incorrect

Complaint:
I called a few times to American Express I had scheduled a payment for XX/XX/2021 and I called in on XX/XX/2021 to cancel the payment because there Would be no funds to cover it. I lost my job die to COVID and explained to American Express I applied for unemployment and the got the response back Im approved however there is a delay with the processing of it. In short they enrolled me in a financial relief program for all my cards and they have token out all necessary payments via auto pay which I have proof I am up to date and there was an error in there system I would like them to fix with my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-24
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Ditech Financial along with their attorney XXXX XXXX XXXX, XXXX. have filed foreclosure on XXXX 2014 base on payments not being made for the month of XXXX 2014. I have documents showing that payments were in fact paid but credited to XXXX XXXX. Invoices showing excessive fees which led me to fall behind based on the XXXX 2014 payment. I understand that Ditech Financial was formely Green Tree, however the practice is still the same. The Lawsuit Settlement of XXXX proves how dishonest this company is. I have equity in my home causing me to feel that they are trying to take my house to put towards paying their settlement. I have questioned their accounting method in which it shows over {$26000.00} of misapplied funds still they refuse to answer. I have also filed a Pro Se Motion of Discovery which they have still not completed. XXXX XXXX XXXX, XXXX. has also filed false documentation stating that Greentree/Ditech Financial are in possession of the Original Note and that it is in the Counsel 's office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In 2010 my loan was transferred to Green tree services from XXXX I had an approved loan modification from XXXX. Once green tree got the loan They refused to honor the modification and made me loose my home. 
The property is XXXX XXXX XXXX XXXX XXXX MD XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had multiple houses with mortgages held by Green Tree XXXX, now Ditech. In XXXX XXXX I instructed Ditech to payoff XXXX of the mortgages and wired the money to them with the explicit instructions to pay off a specific account number. Unfortunately Ditech paid off the wrong mortgage, despite the instructions that were provided. I immediately called them to indicate the mistake, and they agreed that it was a problem on their side, and they would correct it immediately. It is now XXXX XXXX, and Ditech has still not corrected the problem. Worse yet they are threatening foreclosure and they have indicated non-payment on my credit report. They have been non-responsive, and obviously this delay is incredible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this date, 90 days later, I have not received a response yet. I feel like my disputes are being neglected and taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 90 days and I am demanding these accounts are deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
Portfolio Recovery Associates keeps updating an out of date collection that was never mine to begin with and XXXX refuses to remove it or reinvestigate

Company response to consumer: Closed with explanation