BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-25
Company: Accelerated Financial Solutions, LLC
State: PA
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:
On XX/XX/2021 I sent a certified verification letter to Accelerated Financial Services for an account totaling {$2500.00} they have been reporting on my credit report. I did not receive and response or validation of the account. I then sent a second certified on XX/XX/2021 asking again for the validation on the account and still no response. 


I have not received : XXXX. Provide a copy of the original contract that you have with the original creditor XXXX. Notarized letter of transfer of permission to collect debt XXXX. Verification that this debt was assigned or sold to Accelerated Financial Services. 
XXXX. Prove ownership of the debt/ original application for debt XXXX. How the amount is calculated/ full itemized debt from accounting/ last original billing statement XXXX. Does your firm have a debt collection license from my state? 
XXXX. Proof you have purchased the debt for the original creditor and have authority to collect on the debt. 
XXXX. If not, say why not, if so provide the date of the license, name on the license, license number and the name and address and telephone number for the state agency issuing the I have also disputed this account with XXXX and XXXX without any answers. 

I would like to also request a description of the procedure used to determine the accuracy and completeness of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Duncan Solutions, lnc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This Collection Agency keeps sending me and my family members bills that have already paid 2 years ago. I try calling and no live person is ever available to speak with and there website is not active.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Chime Financial Inc
State: NE
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've been trying to make a payment to my credit card and their not allowing or accepting payments.Their also refusing to close account and keep reporting to my credit a non-payment, even tho I've been trying for months and talked to them over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Nationwide Credit Corporation
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I am XXXX XXXX military, and as such I fall under the protection of the Soldiers and Sailors Civil Relief Act ( SSCRA ). SSCRA states that I will not be charged property taxes on a vehicle I own from another state. There was an issue regarding my tax waiver with the state of Virginia to get it waived for last year 's tax cycle, but I was able to resolve it last month. However Nationwide Credit Corporation in XXXX VA, the debt collector hired to get this tax, is still saying I owe them money. It is in complete violation of federal law, and state/county accepted policies. I have told them multiple times about the law, about how I have saved correspondence with the county saying I do not owe anything, etc. Yet they continue to harass and threaten me that I owe them money ... despite the fact that federal law and the tax collector 's office in XXXX county VA says otherwise. I have saved correspondence between the XXXX, NCC, and myself if you wish to have it.

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 2016-10-12
Company: Bankers Auto Acceptance
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I filed a dispute with this finance company and they failed to notify the credit bureaus within the timeframe allowed according to the FCRA 623 ( a ) ( 3 ) which I also provided them with proof. They simply refuse to acknowledge the fact that they have clearly violated federal law.

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 2016-01-30
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
on XX/XX/2015 i call ocwen mortgage to refinance my mortgage they told me that they can not refinance my mortgage but they can restructure my loan, after going through the trial period they send me a package to fill out and get notarize which i did and send back, i then received a phone call saying that i owe {$1900.00} to ocwen when i ask why they told me that i did not send back the package i said i did, then i was told i owe {$400.00}. tlus in escrow fees i started argueing with them then they said if i pay the {$400.00}. plus in escrow fees my mortgage will go down i sent them a for $ XXXX.plus and another check for $ XXXX.plus i i call them and ask them what happen to the check i send for my escrow they told me that they put it in an account i then said that check was sentfor my escrow on the check i wrote for escrow account so i was duped like many others home owners like myself who lost their homes to ocwen mortgage co. i sent a complain to the attorney general Pam Bondi i receive a letter saying they are looking into this, every time i call ocwen and ask to speak to the person i spoke to previously i am told that he/ she is not available so you can never speak to the same person twice this mortgage co is ripping innocent AMERICAN OFF. and someone need to stop them. I AM THANKING YOUR BUREAU FOR ANY HELP FOR MYSELF AND OTHER AMERICANS THAT WAS RIPOFF BY Ocwen mortgage co. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The accounts listed on my consumer report contain late payments. I have disputed this with this burau and have not been sent any proof that the late payments are accurate. I was never late with any payments. 

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Wouldn't this be considered an experience Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 charged off my account 5 years ago but reports 30 days late every month thereafter. The account is closed and can not reported as late, just a collection is the only thing. Basically, the bureaus are allowing companies to suppress the credit worthiness of consumers so that the bureaus can get more subscriptions for companies being able to charge higher rates. 

XXXX XXXX XXXX XXXX  also reports a charge off 5 years ago and then a 30 day late every month to further destroy my credit. Then they will not provide a contact number that works to discuss the dispute. 

I went to dispute a Tn Dept. of Human Services for 30 days late and XXXX  will not let me dispute. Tn Dept. of Human Services is not a collection account as being reported by XXXX  and has not been late.

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 2017-08-24
Company: AMERICAN HONDA FINANCE CORP
State: NJ
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:
Please refer to complaint # XXXX. Since there is no way to reopen a complaint I am forced to open a new one. In the complaint previously filed, Acura indicates that they NEVER received a XXXX XXXXXXXX XXXX letter from me regarding the issues I was having with their credit reporting. It took me a bit longer than I would have liked, but I knew I had a copy of my letter along with the signed Returned Receipt and my receipt from the Post office. As I have indicated in the prior complaint, Acura has been the most disorganized company to work with and even when I was paying ahead of schedule they were showing Late payments and reporting it to the Credit bureau. In their response to me which they attached a copy to the above complaint they indicate their first notice of this complaint was in XXXX sometime. It was in XXXX and I am attaching the proof. This is not fare to comsumers and should not be allowed. Once again you can see that they ca n't keep their own records straight, yet they are allowed to ruin their customers credit. Please address this. They have once again lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
ENCLOSED PLEASE IND COPIES OF 12 FRAUD INDUCED MONEY ORDERS, TOTALING {$6200.00}. PLEASE REFUND TODAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: EQUIFAX, INC.
State: TN
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 charged off my account 5 years ago but reports 30 days late every month thereafter. The account is closed and can not reported as late, just a collection is the only thing. Basically, the bureaus are allowing companies to suppress the credit worthiness of consumers so that the bureaus can get more subscriptions for companies being able to charge higher rates. 

XXXX XXXX XXXX XXXX  also reports a charge off 5 years ago and then a 30 day late every month to further destroy my credit. Then they will not provide a contact number that works to discuss the dispute.

I went to dispute a Tn Dept. of Human Services for 30 days late and XXXX  will not let me dispute. Tn Dept. of Human Services is not a collection account as being reported by XXXX  and has not been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/20 I submitted a request for investigation into XXXX as there are several lines on this trade line between Experian, XXXX  and XXXX  which don't match. Experian responded on XX/XX/20 that they were verified. I then requested on XX/XX/20 that they show me how they verified this information. On XX/XX/20 they sent me a report that told me it had been updated ( this did not answer my question ). So on XX/XX/20 I asked again for Experian to send me any documents to show how they verified this item. Again on XX/XX/20 they send another " Updated '' response and did not address my question. Finally on XX/XX/20 I sent a request which stated " Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested ''. For that I received a response on XX/XX/20 which showed the Outcome as Updated. I still have yet to receive a response which shows HOW the information is verified. Per the FCRA 611 ( 6 ) ( B ) ( iii ) I have requested a description of the procedure used to determine the accuracy and completeness of the file on different occasions and have yet to receive the appropriate response. I know that this is an old account and won't make much difference in my credit report, but I was under the impression that the rules were made for everyone to follow.

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 2017-05-22
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have consolidated federal and private student loans totaling approximately 125,000. Every month I send a payment via Navient website. The company recently changed its website which makes it impossible to choose the amount to pay. The " payment due '' window reflects past due, fees, and currently due amounts. Since I was unable to choose to just pay the past due amounts as the currently due amount was n't actually due yet, I set up payment through my bank 's online bill payment feature and made a payment on XXXX XXXX 2017. Navient received payment two days later on XXXX XXXX 2017. Instead of allocating the appropriate amounts to both private and federal loans, as they have done literally for the past ten years on this account, they allocated the entire payment to my federal loans. I called customer service immediately and have been bounced around to various agents who assure me that this is " a back end issue '' and that a request has been sent to re distribute the payment to the two accounts. I have been charged late fees on both accounts for non payment. It has been one week and nothing has happened. The payment is not visible online at all and I am getting delinquent letters via email and threats that this will be reported. I have been unsuccessful in my attempts to rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear CFPB, First of all I want to report that a notice of default has been recorded by XXXX at our XXXX XXXX County Recorders Office on my property located on XXXX XXXX XXXX XXXX, CA XXXX. Their is a projected sale date schedule for XX/XX/XXXXI have repeatedly sent several letters to dispute the alleged debt and validity of the recorded documents recorded at our XXXX XXXX County Recorders Office to XXXX, XXXX XXXX AND XXXX XXXX. These XXXX ENTITIES HAVE FAILED TO VALIDATE, MUCH LESS VERIFY AND AUTHENTICATE THE ALLEGED DEBT. Moreover, these XXXX ENTITIES continue to violated my consumer protection rights pursuant Fair Debt Collections Practices Act ( FDCPA ) and Truth in Lending ( TILA ). See enclosed Notice of Default served to me by XXXX XXXX. 

These is a list of letters I have served these entities via certified mail and faxes ( Attached ) :1. XX/XX/XXXX : Notice of Dispute and Demand for Verification letter certified mail served to XXXX. 
2. XX/XX/XXXX : XXXX XXXX XXXX XXXX Disputing and challenging validity of recorded instruments and assignments at our XXXX XXXX County Recorders Office. 
3. XX/XX/XXXX : CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT COMPLAINT against XXXX and XXXX XXXX. 
4. XX/XX/XXXX : Notice of Non-negotiable Non Transferable NOTICE OF DIPSUTE applicable to all successors and Assigns, served to XXXX and AFFIDAVIT REQUEST TO XXXX XXXX XXXX, XXXX VERIFYING AND VALIDATING ACCOUNT # XXXX, as a matter of law and equity. 

5. XX/XX/XXXX : Demand for Debt and Validation of Proof of Claim served to XXXX. 
6. XX/XX/XXXX : Cease and Desist and Notice of Invalid Instruments : Trustee in foreclosure liable for damages under California Homeowners Bill of Rights. Served to XXXX and XXXX. 

PLEASE NOTE that XXXX County Civil Grand Jury here in CALIFORNIA just released an audit conducted ( enclosed ) by XXXX XXXX " INTEGRITY OF LAND RECORDS IN XXXX COUNTY '' where it uncovered the same allegations that I have been alleging and also concurred with the violations addressed by California Homeowners Bill of Right. 

I 'm demanding that these XXXX ENTITIES, XXXX, XXXX XXXX and XXXX XXXX to identified themselves, to validate and respond to the above requests along with AFFIDAVIT of AUTHORITY TO CARRY OUT A NON-JUDICICAL FORECLOSURE. All I 'm demanding is just fair treatment according to my consumer protection rights under FDCPA and TILA so I can work out an amicable resolution with the legal and lawful authorized entity. 
I can be reached at XXXX XXXX XXXX XXXX. 

respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Optimum Outcomes, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is trying to collect a debt which i do not believe is mine. They have reported this account to the credit bureaus when I have asked them for verifiable proof that this account actually belongs to me. I have asked them proof in form of a contract or some form of binding contract that bears my signature showing I am indeed the person for this account. This company has also failed to respond to my dispute to them. I have sent them 2 letters prior, to which they have not answered me and yet they are still reporting this account. I believe this goes against FCRA guidelines, which you, the CFPB is supposed to enforce.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: NCB Management Services Inc.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity them and this is one of the accounts included in my fraud report. I have mailed a copy this report to the original credit and the collection agency NCB Management Services as well as the Credit Reporting agencies. They continue to report this item on my credit report further damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: HW Holding, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The XXXX XXXX. Trying to collect XXXX for carpet damage. They already kept my {$400.00} deposit. I lived there ( XXXX XXXX  XXXX XXXX XXXX XXXX ) for XXXX  years which carpet should be replaced. 
Most all apartments would replace this after someone lives there for this many years. 
Deposits are made to cover damages. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: GOLDMAN SACHS BANK USA
State: MI
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, XXXX XXXX, the consumer, have contacted GOLDMAN SACH BANK on XX/XX/2022, by certified mail which they received XX/XX/2022. GOLDMAN SACH BANK, did not disclose to me as required by law that I had the right to opt out of my nonpublic personal information being disclosed to nonaffiliated third parties. GOLDMAN SACH BANK has continued to report to the credit reporting agencies after my notice and demand to stop sharing personal financial information with unaffiliated third parties. GOLDMAN SACH BANK is in violation of the Gramm-Leach Bliley Act and the Fair Credit Reporting Act these violations are listed : 15 U.S.C. 6801, 15 U.S.C. 6802, 15 U.S.C. 6803, 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), 15 U.S.C. 1681a ( 2 ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
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:
I have disputed the debt with the credit bureau, and the debtor has failed to validate the debt is mine. I am requesting the collection item be removed immediately due to noncompliance of the section 809 of the Fair Debt collection practices act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Since XXXX, we have been asking American Home Mortgage Servicing , Inc, now known as Homeward Residential ( servicer prior to Ocwen ), to provide evidence that XXXX XXXX Bank, XXXX as trustee for Option One Mortgage Loan Trust XXXX was the owner of the note. Each time they sent us a copy of the note, it never included an allonge. But in XXXX, AHMSI presented an allonge that was blank and a later allonge that was stamped. Once Ocwen became our servicer, we asked Ocwen to validate the debt. In a response from Ocwen, Ocwen states that they " would not be able to provide us with the original wet ink signature loan documents '', but an attorney for Ocwen claims to have the original wet ink signature loan documents.

Company response to consumer: Closed with explanation