BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-24
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: Personal information incorrect

Complaint:
My complaint is again Equifax Credit Bureau. I am complaining regarding two outstanding issues : 1. The bureau continues to reinsert addresses that do n't belong to me. I NEVER lived at XXXX XXXX XXXX in XXXX IL. I have no accounts related to this address. This address is to an apartment complex - XXXX XXXX, which I called and verified no XXXX XXXX EVER lived there. I have disputed the address, it was removed, Equifax continues to put it back. I have sent copies of all my identification as well as my leases for the last seven years. My current address is XXXX XXXX XXXX XXXX, XXXX XXXX IL. Six years prior my address was XXXX XXXX XXXX, XXXX XXXX, IL. Please correct this. 2. Equifax continues to report an account - XXXX XXXX - that was supposed to be removed as per the creditor. The account also lists multiple inaccuracies and errors. After reporting the account as an open collection for several months, Equifax has now updated the account to closed and paid. However the dates of EVERYTHING are incorrect. The credit bureau refuses to demand copies of the instruments and documents from the creditor which will prove this account was paid back in XXXX of 2017 and the creditor agreed to remove it from the profile. I REQUEST Equifax to please request and provide all documents received from the creditor relative to this account. I have contacted the creditor individually, and they insist they are not reporting this account negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I recently contacted the company through which I received my student loans hoping to get caught up, as well as to set up an auto pay plan for future payments. I ended up speaking to a man named XXXX XXXX, who informed me that he could definitely help me get caught up. Prior to calling, I was several months behind and was under the impression I needed to make a payment of over {$700.00} to be caught up, but I informed him that I just did n't have that amount to pay up front. XXXX told me that if I set up an auto pay for {$250.00} a month for 3 months, then my monthly payments would be {$160.00} after that, and would gradually increase since I qualified for the pay as you earn plan. Satisfied with this to some degree, I hung up and immediately received an email from a XXXX with an email address that said XXXXXXXXXXXX telling me I needed to contact her immediately and listed forms that needed to be sent. I called XXXX back and asked if I could just tell XXXX that I 'd already taken care of everything because I thought I had on the phone with him. He told me it was very important that I talk to her and she 'd help me from that point on. I called her at the number provided and told her I did n't understand what was going on and that I 'd already set up payment and she told me that I needed to cancel that one and set one up with her. After I explained whom I 'd already set up the next 3 months with, she said that would be fine. At this point I specifically asked what company she was with and what company specifically XXXX had been with, and I could not get a straight answer. She finally told me she represented Navient and was with the department that set up repayment of loans so that I would n't keep being contacted by Navient. It was n't until the following week, when I received another payment reminder with amounts and dates that did n't match from Navient, that I called and reached someone from the actual Navient company who was able to explain that the previously mentioned people were from a 3rd party company called XXXX XXXX.  They were extremely deceptive and turns out those first 3 payments of {$250.00} were fees paid to them to do exactly what I could 've done for free. Never once did they state they were from XXXX XXXX, that it was different from Navient, or that they were charging fees and they were fully aware I was unclear about it all. They intentionally worded things carefully to make me feel as though I was dealing with the people who actually provided my loans. Luckily, I caught it 2 days before my auto pay date and was able to cancel services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX my spouse and I requested our annual free credit reports from all three credit bureaus. 

XXXX provided both credit reports as requested. 

TransUnion provided a credit report for my spouse, but other than my name the credit report was blank and, and when I tried to refresh the information the site said that I had already received my free report. 

XXXX denied provided both credit reports due to an inability to verify our identities, using the exact same information XXXX and TransUnion accepted. 

When I call their support numbers to request mailed reports, both Transunion and XXXX mailed letters stating that a free copy of your credit file alreadt has been sent to you within this past 12 months. This is untrue, and in any case as we understand it, we were entitled to free XXXX credit reports during the pandemic. 

XXXX has continually denied my free annual credit report requests in XXXX, XXXX and XXXX, and denied requests from my spouse in XXXX, XXXX, and XXXX. This appears to be a systematized denial of legally mandated credit reports, considering the same identity information provided to the XXXX website was accepted by the other two credit bureaus.

We know our credit bureau files are up to date, because we unfreeze and refreeze them when we perform the annual credit report requests.

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 2020-04-21
Company: Firstsource Business Process Services, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2020, Firstsource Advantage LLC called me several times in a row from a spoofed number, impersonating a local business. The spoof number that they called from was XXXX. When I asked who they were, they were not forthcoming with the information and I had to ask them several times. 
They also called me from a spoofed number impersonating the phone number of a family member of mine which they have previously contacted on more than one occasion. 
They have also contacted my family members.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX my spouse and I requested our annual free credit reports from all three credit bureaus. 

XXXX provided both credit reports as requested. 

XXXX provided a credit report for my spouse, but other than my name the credit report was blank and, and when I tried to refresh the information the site said that I had already received my free report. 

Equifax denied provided both credit reports due to an inability to verify our identities, using the exact same information XXXX and XXXX accepted. 

When I call their support numbers to request mailed reports, both XXXX and Equifax mailed letters stating that a free copy of your credit file alreadt has been sent to you within this past 12 months. This is untrue, and in any case as we understand it, we were entitled to free WEEKLY credit reports during the pandemic. 

Equifax has continually denied my free annual credit report requests in XXXX, XXXX and XXXX, and denied requests from my spouse in XXXX, XXXX, and XXXX. This appears to be a systematized denial of legally mandated credit reports, considering the same identity information provided to the XXXX website was accepted by the other two credit bureaus. 

We know our credit bureau files are up to date, because we unfreeze and refreeze them when we perform the annual credit report requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt was disputed through XXXX  in XXXX with no response from company. Statue of Limitations has passed on this debt.

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 2020-01-03
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I would like to file a formal complaint against DiTech Financial LLC. My ex-husband and I have a home that is currently still in both of our names. He and I both have remarried and my current husband and myself are residing in this property and have been since XXXX of XXXX. My current Husband & I have been actively trying to get the home refinanced into our names to make the place our own and freeing up my ex-husbands name from any responsibility to the place which also allows him to move forward. 
We have been corresponding with DiTech since the beginning of XX/XX/XXXX and are still currently seeking the documentation we need to be able to process this Mortgage. We have a lender willing to allow us to do so and the only thing holding us up is DiTech and their unwillingness to cooperate. All we need are copies of the actual mobile home ( 3 sections to the home ) ( 3 ) titles to the home on our mortgage which they hold. We have been told as much as they have to be requested which I have done ample times, to they are awaiting approval by a supervisor before they can be sent out, back to they have no titles showing, and we have also been told its not listed as a mobile home. Initially we were told it would take 7 to 10 days for the request to process. 
And then the time frame and replies kept changing. You never were able to talk to the same person twice for the most part. Even our Loan Officer that is assisting us has contacted them and they gave her the run around and was rude to her as well. I do not understand how you can be in the Business of holding peoples mortgages and not be able to produce this Documentation. Its not like we are buying something that can be returned! This is our home which blood sweat and tears has gone into not to mention the cost. I would GREATLY APPRECIATE ANY AND ALL ASSISTANCE IN THIS MATTER .... I feel as though this is a HUGE INJUSTICE to me as a Consumer. Rest assured if it was the other way around I am sure they would not be happy either and they would want their money. I HOPE AND PRAY THIS CAN BE RESOLVED SOON AND I HOPE THIS HELPS SOMEONE ELSE DEALING WITH DITECH IN THE FUTURE ... ..SINCERELY STRESSED OUT CONSUMER!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio recovery is refusing to disclose amounts it purchased my debt for, I no longer owe the amount they are talking about and they still reporting Late payment s of XXXX $ in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/22 I was denied the right to continue in the loan process for a mortgage because the title to my home shows I am the rightful owner. Because of creative and fraudulent activity my home was stolen from me. Previously submitted complaints. County records state US and received XXXX for my home. XXXX XXXX I had a principal balance of XXXX. Almost 10 years later almost XXXX tacked on and principal not reduced despite making payments and write offs from Litton Loan and Ocwen. I want the release of title and satisfaction of lien recorded with the county.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX PORTFOLIO RC no additional information on consumer credit report provided by XXXX XXXX. I do not have nor ever had an account with Creditor Name PORTFOLIO RC Or Original Creditor XXXX XXXX XXXX reporting a debt that doesn't belong to me '' and belongs to another unknown person on my credit report. I HAVE TAKEN ACTIONS SEE BELOW : STEP 1- online research for this debt Original Creditor XXXX XXXX XXXX- this creditor is large and they are unable to provide me with the right branch because I do not have No account number, no report on my credit report from XXXX XXXX . 

STEP 2- Conducted an online search for contact information and called PORTFOLIO RC - Customer service : XXXX ( XXXX ) XXXX PRA Group , XXXX. is a publicly traded global debt buyer based in XXXX , Virginia . PRA Group- After several calls to this agency, the agents were unable to identify my name, account number reported on the credit report, phone number or any other fact. 

UNABLE to obtain answers and upset after so many phone calls from portfolio recovery, I confronted the caller and demanded my information to be verified- they declined to validate my information and instead wanted me to provide them with my personal information. If they are harassing me, they should be able to validate it is me? no? 
Went online tried to see if I could find my information by using the I forgot my password- no result. 
Again, the issue is they force you to provide your personal information willingly- entering volunteering information without validating this is you. IMPORTANT NOTE- the only way to access them is to give them your full name, social, address and phone. Seems odd because now they have your information completely and provided by the costumer. after entering all my info- the website gave me this note. -- -Your account was not found STEP 3- placed a dispute with the agency and a dispute with all 3 credit bureaus but they have not removed it after my pleas for validation request. instead, they have used my calls as acknowledgment of this debt Creditors PORTFOLIO RC and XXXX XXXX  credit reported PORTFOLIO RC. XXXX XX/XX/XXXX XXXX XXXX PORTFOLIO RC Account No. XXXX Original Creditor. XXXX XXXX XXXX  Responsibility. Individual Condition. Derogatory Original Balance. XXXX XXXX. XXXX Date Opened. XX/XX/XXXX Date Reported. XX/XX/XXXX Remarks. Placed for collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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: Problem with personal statement of dispute

Complaint:
Creditor : XXXX XXXX  Nevada XXXX. 
Your Account XXXX. XXXX, Reference No. XXXX ORIGINAL XXXX XXXX  Nevada XXXX. Account Documents Requested Portfolio Recovery REFUSES to send me copies of the above ORIGINAL ACCOUNT from XXXX XXXX  Nevada, XXXX, which was CLOSED when XXXX XXXX XXXX  spent XXXX XXXX dollars to purchase this and other credit card accounts from XXXX XXXX, or on around XX/XX/XXXX. This account was closed over TEN years ago and is NOW outside the STATUTE OF LIMITATIONS for collection in the State of Georgia. 

Information from XXXX : On XX/XX/XXXX, XXXX  XXXX completed its acquisition of the majority of XXXX 's United States credit card business for a reported {$2.00} XXXX, adding definitiveness to a sale that caused a stir among consumers following its tentative announcement in XX/XX/XXXX. 

Despite my repeated requests for ORIGINAL XXXX XXXX  credit card account records to prove this IS NOT a valid collection account, Portfolio continues to send me copies of documents from XXXX XXXX XXXX. 

The attached file shows the account was opened in XXXX so they do have the records, but refuse to provide copies because it will show it was closed by XXXX. 

I believe Portfolio Recovery Associates is willfully damaging my credit by reporting this 10-year-old XXXX account to the credit bureaus under the faade of being a legitimate XXXX  XXXX XXXX  account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: ERC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX and I do not have a contract with ERC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Real Time Group, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I got a personal loan from XXXX in XXXX allowing a lien on my XXXX XXXX XXXX. When I registered my car in North Carolina, XXXX received a copy of the title. In that state, the non-lienholder does not receive a copy of the loan. 

When I moved to Georgia in XX/XX/XXXX, I put down XXXX as the lienholder to contact for a copy of the title. XXXX never responded because they sold the loan to XXXX. Since I was notified in XXXX, I have been trying to get XXXX to get a copy of the title from North Carolina as directed by their DMV. 

Now at the end of XXXX, XXXX sold the loan to Real Time Resolutions. Since early XXXX, I have requested a copy of the North Carolina title or for this entity to request a copy. They keep saying they will send it, but never send it. It appears they have a copy of an old Maryland title, but not North Carolina. 

I am about to run out of time for my registration. My DMV refuses to allow me to renew my registration without a copy of this title. North Carolina can confirm that XXXX is on the title, but can not release a copy to me. 

I am not even sure if the lien was properly transferred to XXXX and now Real Time Resolutions. However, they are not responding to the DMV or myself concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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: Problem with personal statement of dispute

Complaint:
I mailed a dispute letter to all three credit reporting agencies and I requested information be removed or deleted per letter and request was not made. Credit bureaus only updated information rather removed/deleted as I requested. I do not want to file a lawsuit or complaint but I see that I now have no choice because of their investigation and outcome with results that I am not satisfied with and think is unfair.

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 2021-07-23
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX JUST MOVE XXXX XXXX and I do not have a contract with ALDOUS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : 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 2018-05-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear Madams and Sirs, I have filed a complaint, Ref. No. XXXX, at your office about the cash deposit missing at The Chase in my checking account. I just got a denied claim from Chase due to the Branch I had the problem was closed that The are no longer able to review the video tape that I have requested to show my proof of my deposit at the Chase Branch XXXX. 

That is not fair for my because at the very early I had done ask the review of the video but the Manager of the Bank Branch did not do that. I knew that a problem That I sent the certified mails to The Manager of the Chase Branch XXXX and Manager of Dispute Department of Chase Bank on XX/XX/2017 to file complaints about my missing cash deposit. I got a letter from Executive Office, XXXX XXXX XXXX, XXXX, OH XXXX that they are in the process of investigating my concerns. 
After waiting for a while, I have not seen anything helpful even stopping by the local Chase bank. I filed a complaint at your office to ask for your help. Then The Chase contacted me again and sent me a denied letter due to the Branch I had problem was closing. 

That is not my fault. I did ask them very early, XX/XX/2017 about the review of the video tape. They did not do. Now, They said they are unable to help me due to branch closing. I would like to ask for your help about this complaint. I am sending documents that support my claims and would like to ask for your review and help. 

Thank you very much for your reconsideration and help. 

Respectfully yours, XXXX XXXX XXXX. No XXXX

Company response to consumer: Closed with explanation