BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-10
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XX/XX/17 I called XXXX XXXX regarding my student loan - I was reminded that my student was moved to Navient. XXXX forwarded my call to Navient and provided the number for Navient. However when I called Navient I was never able to speak to a customer service rep or remain on hold to speak to someone. I tried the call twice but both time Navient disconnected my call and would allow me to remain on hold for the next agent. This is unacceptable. I was calling to advise that I had been terminated from my employment. I will be unable to continue to a XXXXper month student loan payment as I now have only Social Security Retirement as my current income. I chose NOT to have Navient return my call at their convenience, I was prepared to wait on hold for the next agent. How can a lender refuse to allow a customer to wait on hold for service. Navient should allow customers the option to wait on hold - now I have to continue to try and reach them when they will not hang up on me. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to dispute a collection that is fraudulent reporting only on my Equifax report. However, I have tried twice a week for the past month to file a dispute and I keep getting the message the dispute center is down for scheduled maintenance. I was told this would be fixed a long time ago, and that was weeks ago. The ability for Equifax to stop the dispute process damages not only me but others as well. I attached a screen shot as evidence, this is ridiculous, please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Asset Management Outsourcing, Inc.
State: WV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am disputing a medical bill placed on my account by Nationwide Recovery Service for {$380.00} ; due to the fact it has been previously paid. This collection has been paid, and then transferred to another credit company. This account has already been removed from my XXXX account. After XXXX completed their investigation, then immediately this account was placed on XXXX credit report. As you can see this account was opened on XXXX XXXX, XXXX. I have never been contacted by this company before stating that I owed any amount of money. Now, over 5 years later, this company has added a debt collection to my account, with no contact or billing over a 5 year time period. Over the past 5 years I owed XXXX Medical bills that have gone into collection. XXXX paid to XXXX XXXX on XXXX/XXXX/XXXX and another to XXXX XXXX XXXX/XXXX/XXXX. I am certain that I owe no medical bills at this time and that this outdated medical bill is incorrect, due to the fact that during the time of service my medical insurance paid a portion, I paid a portion of the medical cost, then on XXXX/XXXX/XXXX I completed a {$600.00} payment to XXXX XXXX company for any remaining balance of the medical service. 

This continues to be an ongoing problem. I accumulated medical bills while in college. Since this time I have paid all my debts that originated from a XXXX medical procedure. It seems the more I work on my credit, another new debt that has been paid is added. I appear to be playing whack a mole with these medical bills. I pay XXXX bill in good faith, for it to turn around and be sold to another collection company and be added to my account. As an adult these frivolous debts are affecting me in many ways. I have been in the process for several months buying a house. I once again have to put that on hold, because of the new debt collection added to my XXXX credit report. The first time I put buying a house on hold was in XXXX of XXXX, due to the fact this same debt was added to my XXXX credit report. It has since been removed from my XXXX credit report, to be added to XXXX immediately after. I 'm wondering when this will stop. 

Another way these debts affect my life is for background checks. I work for the XXXX XXXX XXXX XXXX. None of these accounts appeared on my background check completed in XXXX XXXX. Since then, they have continued to appear from a bill dating in XXXX XXXX. In the near future I am due for my 5 year background check and here I am again. 

All In all, I 'm just looking for a way to have these bills removed for good. I have sent the attached information and filed a dispute with XXXX, but it 's anyone 's guess if they will remove the bill or not from my credit file with their company. I have statements attached that show all of my past debs have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Ally Financial calls daily on a truck loan I consigned for my son. He is delinquent on his payments and will not tell me his address or make contact with Ally to ask for help.

My issue with Ally is they are now calling my husband whom is not on the loan and has no role in this loan. I specifically told Ally not to call him as this is a privacy violation.

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 2021-08-25
Company: Colony Brands, Inc.
State: IN
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:
I first received a catalog for a company I have never heard of a few weeks before, It was from XXXX XXXX. On XX/XX/2021 I received a notification from XXXX XXXX XXXX XXXX XXXX/Swiss Colony ran my credit and I have a hard credit inquiry. I never ran my credit for anything in the past 4 months. I believe my identity was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Lustig, Glaser & Wilson, P.C.
State: MA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
LUSTIG, Glaser & Wilson P.C FAILED to comply with the Massachusetts Consumer Protection Act. 
Creditor is in violation of 209 CMR 18:18 ( 1 ), ( 2 ), ( 3 ) Creditor is in violation of 940 CMR 7:07 ( 4 ), ( 8 ), ( 9 ) AND ( 15 ) Creditor is in violation of 940 CMR 7.08 ( 1 ), ( 2 ) If the debtor, or any attorney for the debtor, notifies the creditor in writing within the 30-day period described in 940 CMR 7.08 ( 1 ), that the debt, or any portion thereof, is disputed, the creditor shall cease collection of the debt, or any disputed portion thereof, until the creditor verifies the debt and provides the debtor, or any attorney of the debtor, by first class mail, the following materials : ( a ) All documents, including electronic records or images, which bear the signature of the debtor and which concern the debt being collected ; ( b ) A ledger, account card, account statement copy, or similar record, whether paper or electronic, which reflects the date and amount of payments, credits, balances, and charges concerning the debt, including but not limited to interest, fees, charges or expenses incidental to the principal obligation which the creditor is expressly authorized to collect by the agreement creating the debt or permitted to collect by law ; ( c ) The name and address of the original creditor, if different from the collecting creditor ; and (

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: LoanCare, LLC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to a new company- I was never informed until a month after it happened ; because I live in the XXXX XXXX they will not allow me to pay my mortgage online like I used to in the past, even though I am paying with a XXXX bank account. This means I will have to pay via telephone at a cost of XXXX $ each time or risk huge late fees if I mail it since it will take a couple weeks to arrive. Also, they are forcing me to purchase wind coverage, which my policy does not cover, and my condo association has never heard of this before. Not one unit in my complex has this coverage, nor are they required to have it. This company is rude, unable to communicate via email and antiquated ; I would like my loan to be transferred back to XXXX XXXX XXXX asap before I am charged more in late fees that I 'm not responsible for. Plus I can not access any of my loan information online.

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 2017-10-10
Company: EQUIFAX, INC.
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 attempted to dispute open collections on my Equifax report - confirmation number XXXX. I did not receive a status update. when I attempted to check the status online it said pending, until it was close to the 30 day mark, then equifax kept on saying the information is incorrect and there is no dispute matching my records. I called them multiple times and was put on hold for hours. when I finally reached them they told me that the information is accurate and I can contact the collection agency myself. I informed them that I tried that, however the collection agency did not change its mind. this {$12.00} collection that 's stopping me from being able to buy a house was a doctor 's bill that was paid long before it went to collections and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Contacted creditors & bureaus 60 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these accounts that wrongly reporting be removed off my report as soon as possible. I dont know how this happened & it is hindering me a lot mann

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 2016-09-24
Company: Aargon Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX XXXX misdiagnosed my condition, I was there on a Sunday afternoon about a XXXX, I was given an XXXX and sent home. Monday night I was admitted into XXXX Hospital and was operated on Wednesday morning. I almost lost XXXX because of them. Also I never received notice from Aargon Agency that they were collecting this debt. They have violated the FDCPA as well as the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: Account status incorrect

Complaint:
I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labeled past due. Below is a list of the disputed account. 
XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland Credit Management Inc, XXXX XXXX CA is trying to collect on a time-barred debt. They are currently violating the federal Fair Debt Collection Practices Act XXXX FDCPA XXXX. Also, They send letters in XXXX to my family. None of us speak XXXX XXXX. I have contacted them, disputed the debt and told them to cease any and all communication and delete my information from their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26
Company: I.C. System, Inc.
State: IL
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 Corona Virus 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 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 2017-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have already contacted XXXX about a card they issued to me that I did not authorize and they canceled the account. A few months later XXXX/XXXX/XXXX they hit me with a hard inquiry. I contacted them again and told them I was not trying to open an account with them. They never removed their hard inquiry. Now again .... they have hit me again with another hard inquiry on XXXX/XXXX/XXXX. I have reported fraud to the credit bureaus but hard inquiries that are not mine are killing my score. I also contacted XXXX XXXX who did a hard inquiry XXXX/XXXX/XXXX & XXXX XXXX XXXX/XXXX/XXXX, that I did not authorize and they are both still showing. The most recent to show up has been XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX. I do n't understand how these companies can hit you with something like this without verifying if it was authorized by you, these inquiries are killing my score, please help!! Thank 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 explanation
Consumer complaint received 2017-10-10
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Receivable Management Services ( RMS ) is trying to collect a debt that is not valid. We do not owe XXXX XXXX, in fact we are owed a refund payment of around {$80.00}. 

A certified letter was mailed to both XXXX XXXX and Receivable Management Services ( RMS ) on XX/XX/XXXX. Stating this exact information. RMS signed the USPS return receipt on XX/XX/XXXX, verifying receipt of our letter.

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 2017-10-10
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received an an notification that an collection was added to my XXXX credit report from SCA collections account number XXXX this account was previously deleted from my credit reports in XX/XX/XXXX. and now re inserted which is against the law. also I have never received a letter within in 5 days of communication which the company has never had communication with me via mail or phone and according to 15 U.S.C. 1692g ; see 5.7.2.5, supra. this is a FRDCA violation which in fact I could take to court and the sue the company for being in violation of my consumer rights. this are the actions that must take place before a company can just put something on my credit file Within 5 days of the first communication with you, debt collectors must provide you with a written ( or verbal ) notice that contains : The amount of the debt The name of the creditor A statement noting the debt will be considered valid unless disputed within 30 days Notice that the debt collector will send a verification and validation of the debt if the request is made within 30 days Validation rights : If you send the debt collector a request for validation or verification of the debt, they can not contact you during the interim period, can not continue collection efforts, and can not report any negatives to the credit bureaus. Once they do provide validation, they may resume collection and reporting activities. which was not done I did n't have the right to validate this at all. plaintiff must be accompanied by certain materials as set forth in N.C. Gen. Stat. 58-70-150 : ( 1 ) A copy of the contract or other writing evidencing the original debt, which must contain a signature of the defendant. If a claim is based on credit card debt and no such signed writing evidencing the original debt ever existed, then copies of documents generated when the credit card was actually used must be attached. If the company IN FACT CAN NOT PROVIDE A ACTUAL SIGNED COPY OF A CONTRACT THAT I HAVE WITH THEM THE DEBT IS NOT VALID. VERIFIYING MY NAME ADDRESS AND SOICAL SECUIRTY NUMBER IS NOT VALDIATING ANY KINDS OF DEBT OWED. ( 2 ) A copy of the assignment or other writing establishing that the plaintiff is the owner of the debt. If the debt has been assigned more than once, then each assignment or other writing evidencing transfer of ownership must be attached to establish an unbroken chain of ownership. Each assignment or other writing evidencing transfer of ownership must contain the original account number of the debt purchased and must clearly show the debtor 's name associated with that account number. I 'm VERY AWARE OF THE VIOLATIONS THAT OF MY COUNSUER RIGHTS AND WILL PRUSE ANY LEGAL ACTION AGAINST THE COMPANY IF NECESSARY.

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 2021-08-26
Company: EQUIFAX, INC.
State: SC
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 EQUIFAX CREDIT FILE SHOWS INACCURATE AMOUNT OWED TO XXXX  XXXX XXXX XXXX. THIS ACCOUNT IS PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: BOGMAN, INC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage company ( Bogman , INC located @ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX ) transferred my loan to XXXX effective XXXX XXXX, XXXX. I have always made my mortgage payments on time since the day of the original settlement date of purchase XXXX XXXX, XXXX. As of last month, my new service lender, XXXX, informed me that I was paying homeowner 's insurance via escrow. I was not aware of this & in fact I have called & inquired this concern to Bogman prior to this notification of my new lender. I have learned through XXXX that BOgman XXXX Inc has been charging me for homeowner 's insurance. In the past when inquired, Bogman 's response to me was that I was not paying any homeowner 's insurance through them. I have always paid a separate homeowner 's insurance through a company called, XXXX for many years. I have proof of my XXXX homeowner 's insurance payments. My concern is that I wish to seek repayment from Bogman , Inc of the money I paid out to Bogman , Inc for homeowner 's insurance that which I did not need as I already was covered under my own homwowner 's insurance each month. 
In reviewing Section XXXX of RESPA, I believe I am owed this money because Bogman , Inc did not act in " good faith '' as a provider in providing adequate notice & actually not at all notice of them charging myself as a paying consumer the charges in my escrow account. Again, I was advised by Bogman , Inc via phone that my escrow account only included taxes. 
I am aware that XXXX has implemented procedures on XXXX XXXX, XXXX for clarity and changes of settlement procedures for the consumers who have suffered from damages & losses that which servicers violated the revised requirements in providing detailed disclosures & also adequate information when questioned via phone. I believe Bogman , Inc has allegedly performed such illegal act upon myself.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were as month behind then two I scheduled a payment and needed to change the date they did n't change it so it bounced. I set it up again they refused there payment I have confirmation of the payment but they never applied it. I wanted to add to my monthly payment as o if be caught up by XXXX they refused now want XXXX by XXXX I ca n't come up with it I 'm XXXX and have high med bills if they 'd let me get caught up by say XXXX XXXX I could do it but they wo n't our old mortgage co let me pay extra when I fell behind this co said they do n't allow it well my Lian was sold XXXX never agreed to a private investor who wo n't follow the law. I need a payment agreement

Company response to consumer: Closed with explanation