BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-16
Company: Amsher Collection Services, Inc.
State: FL
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 explained to the collection agency that I have never had an account with XXXX XXXX, I asked the collection company for address on file and the address given to me was wrong, I explained to them in several occasions that I did not work on the place that they have on film and the address were the service was provided was unknown to me. No one else contacted me and then I found out this collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable 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 explanation
Consumer complaint received 2016-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted TransUnion regarding fraudulent inquiries listed on my credit profile. I spoke with Supervisor XXXX in the US Special Handling Department regarding the fraudulent inquires and she confirmed my police report and ID Theft Affidavit was on file ... she also confirmed I previously had a fraud alert on file but, I needed to lift the alert due to applying for a home loan. In review of my credit profile my Broker notified me of the excessive amount of inquires and I notified TransUnion they are fraudulent. I would like to have the XXXX fraudulent inquiries removed from my credit profile. 
Please remove the following inquires : XXXX XXXX/XXXX/16 and XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 and XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 Thank you for your assistance.

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 2016-05-10
Company: 21ST MORTGAGE CORP.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We filed an application for a loan modification in XXXX of 2016, but the application was too close to the sale date and was denied. We obtained a cancellation of the sale date because we filed for bankruptcy and immediately sent in a new application for a loan modification. We enlisted the assistance of the MHA who is trying to help us with a loan modification. The non profit organization accelerated the process and referred it to the escalation team, who tells us that they will not receive a response until the XXXX of this month. The bankruptcy was dismissed at the creditor 's meeting but that matter has been corrected and there is an emergency motion to reopen the bankruptcy scheduled for the XXXX of this month. The attorneys are seeking an order rescheduling the sale date, even though in the bankruptcy we also filed a Motion for Mortgage Modification Mediation program. That will be heard in the near future by the Court as well. I also corrected the errors listed by the Trustee. So, they are pushing for a sale date while a motion to set aside the foreclosure judgment is pending ; while we have the MHA office working on an escalated modification ; and we have the bankruptcy motion for mortgage modification mediation motion pending in the Bankruptcy Court. In other words, they are DUAL TRACKING.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Ad Astra Recovery Services Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX hard inquiries on my credit report that were not mine. I have previously called the companies and also contacted the credit bureaus. I have had no response and the negative information is still on my report. With both false inquiries, incorrect addresses were used, too. The inquiries I am speaking of is the XXXX and XXXX XXXX inquiries. I need to have these removed as my credit is negatively impacted by these errors/identity theft usages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
CRA locked me out from accessing my free online report to dispute, unless I provide with a government ID with Photo, specifically a Drivers license and Electric Bill that does not appear on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hi, Accounts seem very old and odd. Do n't know if these accounts are mine. Ca n't reach any companies by these names : 1. XXXX # XXXX 2. XXXX # XXXX 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 2015-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
A debt collector is reporting the incorrect date of first delinquency on my credit report. I disputed the item and it was verified. In an effort to provide proof of the incorrect reporting to the debt collector, I requested in writing on XXXX/XXXX/15 via certified mail, to Transunion, a copy of the FCRA compliance date/date of first delinquency for the account in question. No where did I list the word dispute. This request was not a dispute. This was a REQUEST to TRANSUNION and not the debt collector. I enclosed a check in the amount of {$11.00}, which is supposed to be the processing fee for said request. I received in the mail a response to my " dispute '' which again was verified. I did not initiate a dispute and Transunion incorrectly initiated one. They sent the information to the debt collector for verification! They did not read my letter and did not attempt to provide the information I requested from them. When I called to request the status of the FCRA compliance date and ask why a dispute was initiated, I was referred to the Special Handling Department who did not understand how to assist me. I was routed to a call center in XXXX, where there is a language barrier and culture barrier. The representative was unable to assist me with my simple request. To date, I still have not received the information I requested, that is supposed to be available to the consumer should they ask for it. Transunion failed to read the request and provide the information I need. They also opened a dispute in which I did NOT REQUEST. However, they cashed me check!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery continually calls my home number. I have informed them repeatedly that the debt they are pursuing is not my debt. I have informed them that the last XXXX SSN # digits and the birthdate they have on record of the alleged debtor is not mine. I have a common surname and first name. I have given Portfolio Recovery express orders to not contact me yet they continue to do so. They will not answer query 's from me about who they are and why the still call my home number. I do n't know if Portfolio Recovery is even their legitimate business name. It is the name that displays on caller ID. They are rude and uncooperative. Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: NOVA Financial & Investment Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXXXXXX XXXX of NOVA Home loans is running this ad. It 's steering. Any house is eligible for a {$0.00} down through Home plus program or Home in XXXX. He is steering people to that particular website saying that all those homes are eligible for {$0.00} down which is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I went on XXXX and found that XXXX, XXXX XXXX, is also Portfolio Recovery which ALSO calls XXXX a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-08
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a modification over a year ago at M & T Mortgage Company. It was a long and grueling process, but I patiently and cooperatively did EVERYTHING THEY asked me to do, and I was approved for the modification. I made my XXXX trial payments on time, as required. Then I got the final modification documents to be signed and notarized. I did just that. I did n't notice that they were requiring my wife to sign on the documents, due to the fact that she is not on my loan nor Deed, so I did n't think I needed to look for a place on the documents for her to sign. So I signed, notarized, and returned documents to the bank, and I also continued making my payments as required. To my surprise, almost 3 months later, M & T Mortgage informed me that they have cancelled my modification because my wife did not sign the documents. PLEASE TAKE NOTE ... THEY NEVER SENT ME ANY NOTICE OF AN OMMISSION OF ANY SIGNATURE, OR IT WOULD HAVE BEEN DONE, and sent back in a timely manner. They had the documents for months and never bothered to contact me about the missing signature, instead, they went ahead and cancelled my modification, JUST FOR A MISSING SIGNSTURE OF SONEONE WHO IS NOT EVEN ON THE LOAN, AFTER I WENT THROUG SO MANY MISERABLE MONTHS TO GET THE MODIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was behind on my mortgage and received a letter as to the amount that needed to be paid to bring it current which was XXXX by the XXXX XXXX 2015. On XXXX XXXX, 2015 I sent OCWEN XXXX wire transfer they refused to acknowledge receipt of it. After a lengthy investigation a week later they finally admit to receiving it and ask for XXXX more dollars to bring the account current for the next months payment. I sent on XXXX XXXX, 2015 another XXXX dollars electronically after receipt of it they refused to acknowledge getting it and told me I still owed for the XXXX XXXX 2015 mortgage payment another XXXX dollars. On XXXX XXXX 2015 I sent another XXXX. I spoke with OCWEN today they tell me I still owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently filed a complaint about my mortgage company systematically trying to raise my mortgage payments. the complaint # is XXXX.They sent me an Escrow refund dated XXXX/15 for {$430.00} overage. They decided that a mistake was made on their part and decided they should not have sent me the check. They then sited that my escrow account was short, so they raised my mortgage {$20.00} without informing. Last month they sent me another Escrow overage check from the escrow account for {$40.00}. I sent them a money order for the shortage in my escrow account for {$180.00}. I sent my regular payment that I was paying also this month [ XXXX/XXXX/15 ]. They sent me a letter that I received XXXX/XXXX/15 telling me that they received my correspondence, but not addressing anything I wrote them. I am attaching the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I noticed inquires on my credit report with business that I have not done business with as a result these inquiries are affecting my credit score in a negative way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: ALLY FINANCIAL INC.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I XXXX XXXX am a man and am currently engaged in a contract with ALLY .On XXXX/XXXX/15 I made the payment requested by Ally VIN : XXXX Most Recent Payment : $ XXXXReceived : XXXX/XXXX/2015. I was told this was the payment due with no explanation why .I assumed it was an voluntary corrective action because on the " enforcement '' action against them earlier.then I rec 'd this notification Next Payment : $ XXXXI contacted ally who said that the payment for XXXX/XXXX/15 was so much less because I had overpaid. they said that the overage went to the principle .I told them the payments made in the past were including the late fee 's ..then I rec 'd this notification Next Payment : $ XXXXDue On : XXXX/XXXX/2015 Past Due Amount : {$440.00} Due On : XX/XX/2015Additional Charges : $ XXXXnotice the difference between XXXX and the " additional charges " of XXXX. there were no " additional '' charges prior to XX/XX/XXXX. I believe these charges are retribution against me for having the " gall '' to question them. also because I stand to benefit from the enforcement action against them. notice in the payment history there are no '' other '' charges. I feel that this documentation proves that Ally has not dealt with me in good faith, that they have caused me damage due to their continuing discriminatory practices. I claim discrimination against me based on my race.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Dear Credit Reporting Agency, I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. " This Is Not a Dispute '' Public Records-Judgements XXXX XXXX XXXX ( I never served with the appropriate paperwork informing me of these negative events reflecting on my CRA file. Please accurately report this information or delete from file. ) XXXX. Identification Number # XXXX Claim Amount {$0.00} I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g Section 609- Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed. Please communicate your intentions in writing. Regards, XXXX XXXX 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 2015-06-22
Company: DFC Global Corp.
State: CA
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I went into Monetary Management of California, Inc. d/b/aMoney Mart for a loan. I asked how much I would owe on a loan of XXXX dollars. And the woman said I would have to apply. I filled out an application and gave it to her. She demanded my id, proof of income, bank statement and other proof. She took my picture, fingerprint, called my bank to verify my account was in good standing, and had me sign a bunch of paperwork. Then after all that she checked something on a computer she told me she could not loan me. 
I asked why would she collect all my information and have me sign stuff as if I was going to get a loan. She said it was policy and that they get audited by the state. I asked for my check back and copies of my documents and she said no. 
Should n't they have told me no before all of that? 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA 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 2016-02-09
Company: ALLY FINANCIAL INC.
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Ally Bank does not know how regulates them. I wanted to submit a complaint and they do not have a clue.

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 2015-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was late on XXXX mortgage payments to XXXX XXXX XXXX. They told me to send them {$1400.00} overnight, which I did. Approximately 2 months later they returned my payment and filed for foreclosure. I attempted to make payments on several occasions but XXXX XXXX XXXX would not accept them. XXXX XXXX XXXX was unable to complete the foreclosure and were forced to reinstate my mortgage. XXXX XXXX XXXX claims I was late on XXXX payments while they were foreclosing, but in fact they would not accept payments. No payments can be made during a foreclosure, therefore they could not possibly be late. 
I was only late on payment for the months of XXXX, XXXX, and XXXX of 2010. XXXX XXXX XXXX does n't even show those payments as being late. Any subsequent late payments must be removed from the report becuase they are not accurate. 
I want XXXX XXXX XXXX to remove the late payments from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My name is XXXX XXXX, my former acct # with XXXX is XXXX. I canceled my service end of XXXX of this year. I had XXXX XXXX. I was told I would receive a return box for the XXXX Wireless router. I never received it ... I called on XXXX separate occasions after that to receive a return box. Still never received anything and I then began getting collections calls. I was advised if I go to a XXXX store I can return it and would no longer owe anything. SO I did that, tracking number : XXXX I believe equipID is same as shipping ID which is XXXX ... Package was received on XXXX. I though I was in the clear. Now 3 months later I am receiving collection calls for this same reason. XXXX says to talk to them, they say to talk to XXXX. AND XXXX has reported late payments to my credit bureau effecting my credit score. I need this removed from my bureaus and the debt to be removed as I have satisfied any debt I had with XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-12
Company: ALLY FINANCIAL INC.
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I live in Massachusetts. I was 3 months behind on my car loan. In XXXX I made XXXX payment through XXXX XXXX. They would not let me make a payment other than XXXX XXXX. I never received any notification that my car would be repossessed. However on Tuesday XXXX/XXXX/15 before XXXX my car was repossessed by Ally in my driveway. After finding out about repossession laws in MA I found out that I was required to have 21 days notice and that they could not take a vehicle from a driveway. In addition I have been not provided any information as to the company that repossessed my car nor have I been given my license plates by 48 hours. 
I would like my car released to me in light of all the laws in MA that they have broken by taking my car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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