BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-13
Company: TRANSWORLD SYSTEMS INC
State: WA
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:
Supposedly a parking ticket is in collection with Transworld Systems, according to a recent credit report. This dates back to 2014. I have never been contacted, verbally or in writing, by Transworld Systems and only discovered his erroneous debt through a credit report. I have repeatedly called Transworld at numerous different numbers, can not reach a human being and have never received a return phone call. It is impossible to pay this bill as I can not talk to anyone what will tell me how, as I have never received a written communication on his debt or how to pay it, and as these factors make it impossible to pay. An endless maze

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I signed up for a 30 day trial for Equifax Credit Monitoring online for {$4.00}. I did this online. When I tried to cancel online within the 30 day period, there was no discernible way to cancel on their website. The only option was to email them through their " Customer Service '' links. I sent an email with my information using their online form. They failed to cancel and charged me {$19.00} following the 30 day period. I called Equifax to ask for a refund and they refused saying that the only way to cancel is to call them on the phone. They said this was to protect me, but obviously, all of my confidential information is on their website and the only reason to require a call is to make it more difficult to cancel. When I complained that I did cancel online through their own process, they refused to acknowledge this and refused to refund my money. They make it very easy to sign up online, but very difficult to cancel the same way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: RoundPoint Mortgage Servicing LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My attorney has been working on my behalf for a short sale. In reading the notes on the constant delays with Roundpoint my attorney escalated the issues to a supervisor " XXXX ''. Based on the notes my attorney was never advised about HUD revisions in a timely manner only that variance was needed from HUD. As a result of ROUNDPOINT not giving this information to my attorney they asked to speak to the processor directly. The supervisor XXXX rudely declined this request. WHY??? I am the homeowner and the attorney is working on my behalf. This is unacceptable.

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 2021-12-25
Company: Receivables Performance Management, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I used a XXXX plan for 2 days and then transferred to XXXX in XX/XX/XXXX. Then I received a {$75.00} bill. I called XXXX in XXXX or XX/XX/XXXX. The customer confirmed that I didn't have to pay anything because I only used their service for 2 days. XXXX didn't send me any more bills since then. Recently ( XX/XX/XXXX ), XXXX asked a debt collection company ( Receivables Performance Management ) to send me a letter and said that I owe them {$75.00}. 

I tried to log in to my XXXX account but they deleted my account, so I was not able to download or see my final bill.

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 2015-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had my wallet stolen. My debit card was used for a purchase at XXXX. I immediately notified Bank of America and cancelled my debit card. The bank has denied my fraud complaint and is going to pull the money from my account. I have provided them with a police report number and a statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-08
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Credit responding to claim on # XXXX saying that they validated the debt. They did not provide proper validation of the debt and they continue to report to the credit companies. Midland Credit or Midland funding is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery calls day or night everyday. Have told them over phone its not mine and they harass and immediate call back a couple of hours later and the rest of the week. They never provided written documentation confirming account and have reported to credit bureau multiple times after removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: DHI Mortgage Company
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
The stupid XXXX 3 day for CD disclosures to the consumer is the most ridiculous rule that has ever been created for the real estate community. Even if the CD changes the title and lender has to eat it. As a borrower my new home is ready and these changes has delayed us being able to get into the home 5 days and possibly more than that because of the XXXX XXXX holiday. 

I would think that after 3 months of searching for a home, and 30-45 days of underwriting and getting everything to the underwriter except a sample of blood, that the last thing I would want is an unnecessary delay. By that point in time I am pretty confident that I just want the keys to my new house!! 

I still do n't get an initial disclosure and then the closing disclosure that I need 3 days to review. Seriously this is an example of too much regulation.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My credit file has been merged. The Consumer affairs department now has my credit file. The accounts that should be shown on my account are XXXX, XXXX XXXX XXXX XXXX, and XXXX. This company has placed my file in a department where I can not see my credit file online and get my score. The lady from the Consumer Affairs say my file will remain there. How can I view my file and I have restrictions on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had identity theft. It was over XXXX worth on XXXX cards. From the target data breech. I am in my XXXX and always had a perfect credit score. Over XXXX. Well. The creditor which was chase freedom and capitol one XXXX agreed it was fraud. Along with all XXXX credit beuras. ( Agreed it was fraud ). Well they dropped them off my credit report. So now my credit report shows perfect credit. Not my score. It is XXXX. I 'm trying to purchase a home. I ca n't with this score. The fraud was 100 % not my fault. So they need to change my score back to at least high XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX financial institutions have provided me with credit score information disclosures. 
Upon reviewing this information, I found that several key factors continue to be reported. These are identical to disclosure received in XXXX 2015, XXXX 2015 and XXXX 2015. As of this day I have not received any response to complaints submitted through CFPB and several letters to the credit bureaus. After reviewing credit reports, it has been found that credit reports do not support any of these reported key factors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

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 2016-10-10
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
MCM Midland Credit Management Inc, has been harrassing me since XX/XX/2015. They are claiming I owe {$240.00} to XXXX / XXXX. 
XXXX doesnt even exist! 
To be sure, I spoke with XXXX customer service to verify my XXXX Credit Card had a balance of {$0.00}, which WAS confirmed and the account was closed. 
XXXX says I do not owe any money. 
I have pulled my credit report since then and it is clear. 
I did receive notification from the US Govt that sensitive information pertaining to me was stolen, which they provided me with free credit monitoring for the duration of three years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
These accounts below are over/pass the statute of limitations and shows up as late payments on all three credit reporting agencies ; for more than seven years and have no further rights or remedies with respect to these claims. Please, expedite the removal of XXXX XXXX and XXXX XXXX from my credit report. 
They sent them to XXXX different collection agencies thought out the years and then took them back based on info found and the statements from the agencies. I have a total XXXX and these accounts were sent to a XXXX agency/company which sense it to the all XXXX credit reporting agencies as a discharge/charge-off accounts. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: CommonBond, Inc.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX, a loan servicer for CommonBond has been sending me statements with billing errors pursuant to 15 USC 1666 ( b ). The most recent one was a statement from XX/XX/2021 stating I allegedly have a total amount due of {$49000.00} and that I have a current amount due for the month for {$620.00}. I am asking for proof that I owe this debt due to the debt being in the positive. You can not offset a positive with a positive therefore this is a billing error, and if there is a debt that is owed I would like XXXX XXXX and Commonbond to provide proof and that there is no billing error. 

They also sent a letter on XX/XX/2021 that a late payment will be furnished on my consumer report. Pursuant to 15 USC 1681 ( 2 ) ( A ) ( i ) transactions and experiences between the consumer and the person should be excluded from my consumer report which includes late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have found myself in a difficult situation since someone stole my identity. I feel I have exhausted all my efforts and need additional help. I have submitted to each of the credit bureaus a copy of both a police report, my identity theft affidavit, and a copy of my personal information i.e. my drivers license, copy of my passport, and my social security card. Additionally, I sent in a letter disputing the inaccurate information and got no response at all. It has now been over 30 days and I have yet to hear any response from them regarding the matter. I am now submitting a complaint to request additional help in rectifying the situation. I know the credit bureaus are each in violation of federal statute, and the only request I have is for the fraudulently reported information to be removed and blocked so that I am no longer affected by it. It has been interfering with me being able to get credit, gain additional employment, and hindering the quality of life I deserve to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I logged onto annualcreditreport.com to request my free credit report. I filled in all of the required information and they told me they would not give me the report. No explanation was provided. This is the second time they have done this. The other agencies provide the report without issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: Experian Information Solutions Inc.
State: TN
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 items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-12-25
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied and was approved for a student loan of {$2600.00} from Sallie Mae. The loan was disbursed to University of XXXX on XX/XX/2021. I paid off the student loan out of my personal checking account at an amount of XXXX on XX/XX/2021 after realizing the interest rate is 11.25 %. 

Due to family obligations, I applied for a leave of absence for the 2021 fall semester and was approved by University of XXXX. The university XXXX XXXX and XXXX XXXX staff has confirmed that the {$2600.00} was refunded back to Sallie Mae on XX/XX/2021. Sallie Mae did not disclose this information to me. 

I contacted Sallie Mae by phone twice and explained the situation. However, I have not received a refund of student loan payoff amount as of XX/XX/2021.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
A formal complaint was sent to Equifax via USPS certified mail on XXXX XXXX, 2015 and was received by its agents on XXXX XXXX, 2015. The following account has been under investigation well beyond the XXXX45 days allotted by the FDCPA. XXXX is the account in question and I request that the erroneous account be removed from my credit profile. ( See : Attachments ) All documentation supporting my claim has already been received by Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion refuses to remove a debt that is past the statute of limitations the original debt is XX/XX/XXXX this is the final bill last date of activity it was sold to a collection agency that is stating the debt was XX/XX/XXXX this is incorrect this is refreshing I do have an attorney hired that is suing the collection agency. The law says 7 years 180 days since delinquency which is XXXX I want this removed I have not paid the collection agency anything and will not due to the fact that the business responsible for the accident said they would pay my medical but they did not that is besides the point the credit bureau is in the wrong taking the word of the collection agency when I sent them proof which was the final bill with the dates stated above. It plainly states on the cfpd site that I am correct about the statute of limitations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX, XXXX has recently provided information to an apartment management company I applied for, that I believe to be inaccurate. I recently applied for an apartment at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX and was to sign a lease as soon as my background and credit came back fine. On XXXX XXXX, 2016 I was informed that my application was denied due to credit history, specifically collections actions by XXXX being unsatisfactory with an outstanding balance on an account ending in XXXX. I have contacted XXXX XXXX XXXX and verified I have no outstanding balances and every account I had with them was closed with a XXXX balance. Furthermore, I never had an account ending in XXXX. I do not have any collection issues with XXXX XXXX XXXX that would cause me to be denied. I called XXXX to ask for additional information and I was told to fill out a Consumer request to dispute the information given to the apartment complex which I e-mailed on XXXX XXXX, 2016 ( Reference : Case # XXXX ). They told me at XXXX that they do n't know how long it will take for the reinvestigation. I read online from other consumers complaining that it took nearly 30 days or more for them to get a response from XXXX which is not right because it took them less than XXXX minutes to get my report and provide wrong information to the apartment complex leasing office and it will take more than 30 days which is unacceptable. In this case I will lose the available apartment which has a XXXX year waiting list.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: DISCOVER BANK
State: GU
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I opened a Discover Credit card to re-establish my credit and raise my credit score. Everything was fine at first, then Discover started " losing my payments '', blaming the other financial institutions for the " errors '', they then claimed I was at fault, dropped my credit limit, I made several attempts to pay balance in full that I doubted I even owed. However, they claimed that the XXXX times " the payments were returned by Discover ''. I do n't know why a payment made to a Credit Account would be returned, that makes no sense. Then Discover started claiming that I owed double the original amount. This is common among the complaints I have seen regarding their services. I even think that employees in their company have constructed a pretty good skimming scam here. No one could give me a straight answer as none of the people I have talked to can explain how my account has become so damaged. I also believe that someone may have stolen my identity, through this process. I need help and protection from these entities. My credit score was above XXXX when this started and now because of Discover 's misdeeds I am at XXXX. I really need your help to clear my credit and get this ridiculous debt amount cleared up. As this has caused XXXX of my accounts and pending the XXXX to be frozen, locked and or closed for their mistakes or wrong doings. My life and reputation has been black marked due to this and it was n't even my fault. I just want my credit fixed right away. Thank you for your time and help in any way. Who can I contact about the ID theft?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been requesting, since XX/XX/2021, verification of this alleged debt that TARGET TD claim I owe and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that they electronically verified the accuracy of these alleged claims through their automated systems, yet they failed to do so for me... why is that. They never send documents to validate it

Company response to consumer: Closed with non-monetary relief