BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted the company about a debt, they gave me the balance owed and I asked for information on it, and if they could send me something stating that once it is paid it will be removed from my credit report like they stated with me over the phone. They said they will not send me anything because they are not going to risk their company for a {$360.00} charge. So I decided to just pay it so they will no longer contact me. They said I would receive a receipt in the mail, which I have not. I disputed the account from my credit report and they rejected the dispute stating that amount is still owed to them. I uploaded a statement from my bank showing the charge and amount was paid since I have not received a receipt yet for the payment I made to them. They informed me they will not send a receipt via email, they can only send it via mail. This company is Online Information Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: National Credit Adjusters, LLC
State: TX
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:
I have filed a dispute in regards to the incorrect Items on my credit report, It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, so starting on XXXX XXXX my mortgage payments started to not get applied to the regular payments. I reached out to Mr. Cooper and I was told that I had hazard insurance force placed on my account which was odd because I already have active insurance with XXXX XXXX XXXX. I also reached out to my insurance company and they didn't understand why either, so I called Mr. Coopers insurance company and they said it was updating in the system and told me to upload the insurance into their website which I then did. I was told everything will be takin care of. So come XXXX when I am at the end of my refinancing process when I receive the Payoff its stating I owe 2 months worth of interest payments and fees billed totaling around XXXX. I new this was not right so I went back to contacting Mr. Cooper and the insurance for Mr. Cooper and they both gave me the run around. The force placed insurance caused me to have to extend my refinance into the end of XXXX, I was unable to pay the regular mortgage payments on time because they were not getting applied correctly which caused more and more fees. I've had this loan for 2 yrs and never missed a payment until the hazard insurance was force placed. Please check out this issue as soon as possible. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: MRS BPO, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received notification yesterday, XX/XX/2022 that I have an XXXX XXXX XXXX account that has passed into collections for the amount of {$1100.00}. 

I called the debt collector ( MRS ASSOCIATES, ) informed them this was identity theft, and they told me to do the following : 1. ) File a police report ( done. ) 2. ) Let the company, XXXX XXXX XXXX XXXX, aware of the situation. ( Done. ) 3. ) Email them with confirmation of these. 

I have completed these steps, and also put a fraud alert on all three major credit bureaus. 

I have never had an account with XXXX XXXX XXXX  XXXX.

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 non-monetary relief
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The unauthorized inquiries which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any information listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2016-06-15
Company: RoundPoint Mortgage Servicing LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After selling and closing on a home in which Roundpoint Mortgage was the lender, it has been almost 60 days and I 'm unable to get a refund for the escrow balance left on the account. They have given me excuses that " the check is in the mail '', and " we need 10 business days to process '' and now they say they " need 20 days to process the check ''. I 'm getting a huge " run around ''.

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 2022-05-31
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case HARRIS & HARRIS LTD is attempting to collect as XXXX  XXXX MEDICAL CENTER. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: TX
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 arrived into the XXXX in XXXX After I got my Visa ( see attached visa and entry stamp ) I married and filed for my permanent residency XXXX and got my SSN for the first time in XXXX XXXX.. ( also see attached copy of XXXX card ) I disputed this information several times but to no avail. The federal law prohibits any reporting agency to report any information that has not been duly verified. XXXX XXXX XXXXXXXX has been reporting a loan in the amount of {$11000.00} that was taken or opened XXXX to EQUIFAX.. That was before my arrival.. and had kept reporting this delinquency under my credit report which I have just fully established this year. My request is that this inaccurate report be deleted completely from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Multiple communication tactics. Multiple calls per day from XXXX this company is Not authorized to collect debt in XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: FL
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 have been trying to dispute this account with XXXX for a couple of months now, i tried to get information from XXXX  but they couldnt provide me with anything and the company calling me isnt the original creditor and couldnt provide me with any information on this account. I called the XXXX  and they were unable to help me everyone is giving me the run around. i have no relationship with XXXX  and never agreed to this alleged debt. this account with XXXX is a result of fraud please cease any attempt to collect this debt and please remove it from my credit report it is causing me extreme stress when they call me about an alleged debt that i did not agree to pay. please remove me from any call systems and please stop all attempts to collect on this fraudulent account.

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 2017-01-25
Company: SLM CORPORATION
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am the XXXX y/o single mother, homeowner, who co-signed private student loans for my XXXX children. They are XXXX & XXXX & neither can afford the monthly payments Sallie Mae wants. We were close to a resolution involving an affordable payback plan ( $ XXXX/month ) but then we " lost '' our Loan manager & now every time we call we are rerouted to another dead end situation where they want what we ca n't pay. The " special program '' seems to have vaporized. I do n't know what to do. I 'm worried they will come after my house, my only asset. I am more worried than the students. What recourse do I have to get Sallie Mae to work with us?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I would like an investigation of CPS ' loan contracts and billing. Per the FTC 's listed violations, this company has settled a class action lawsuit against them in XX/XX/XXXX and I would like to know if I 'm eligible for a refund or account adjustment of some sort, as for I opened an auto loan with them in XX/XX/XXXX I never received any notice of a lawsuit, pending or complete from CPS during my time of having a current auto loan open with them. As time went on I experienced a financial hardship which resulted in non-payment of my loan. I eventually had the car voluntarily repo 'd. They explained during this process that the car would then be sold and the amount they sold the car for would then be applied to my balance. They never reached out to me about its sale neither call or mail. I called them numerous times in which they kept telling me the car had n't been sold. I finally called them again, about 3-4 months after having the car taken to get information about its sale. The car in fact had been sold, but I had n't received any bill of sale. To this day, they claim I 'm still responsible for the entire amount due, even after they have sold the vehicle. Also upon logging into their website ( in which I can still access ) I only have access to XXXX billing statements out of all the months of having a car loan with them, all in which do not detail the breakdown of fees or interest in any way specific. My main concern is to see if I 'm eligible for an account adjustment pertaining to my accusations of their unfair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone have stolen my debit card and made ATM transactions & merchant purchases. I explained to my bank that this never happened before and that I've never authorised anyone to make these transactions nor did I make these transactions myself. this is now my third time speaking with my bank and I haven't gain any real help. 

My bank denied me because " we don't have enough information '' " because you made a transaction on the same day your card was missing/stolen '' I don't understand none of these are good reasons and I responded that theft isn't planned. Plus I didn't make these transactions. 

( 6 transactions ) XX/XX/2022{$500.00} ATM XX/XX/2022 {$500.00} ATM XX/XX/2022 {$500.00} ATM, {$450.00} XXXX, {$290.00} XXXX, {$48.00} XXXX XXXX XXXX Total : {$2200.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was at work, I got a call saying it was the utility company and that there would be a disruption in my service because of a delinquent account. They knew all kinds of information about a deposit I had made with the city and everything. Then they wanted me to go pay it in cash to the city or pay with XXXX. I was at work and could not get there. So I sent with XXXX and then they vanished. I was fraudulently coerced to pay this money. I panicked because my kids were home alone while I was at work and I dont ever have delinquent accounts. It is to my understanding that under ; The Electronic Fund Transfer Act ( EFTA ) ( 15 USC 1693 et seq. ) of 1978 is intended to protect individual consumers engaging in electronic fund transfers ( EFTs ). That " if a third party fraudulently induces a consumer into sharing account access information, '' that consumer should receive the same protections as if the money were acquired from a stolen debit card or other banking " access device. '' My bank is saying that they will request the criminal to send the money back. Theyre scammers and frauds they will not send the money back. I can not afford to lose {$1200.00}.

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: Massachusetts Educational Financing Authority
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This compliant is being filed against ACS Education Services ( ACS ). 
My private student loans ( XXXX loans serviced by ACS ) were recently consolidated and refinanced with a new lender ( XXXX XXXX serviced by XXXX ). Funds were transferred by XXXX to payoff the loan on XXXX/XXXX/2015. Due to the time involved in the application process, the amount of the payment by my new lender exceeded the loan balance with ACS in the amount of {$630.00} XXXX XXXX used the payoff balance as of the time of my application, which did not account for recent payments ). 
Following the payment, ACS deducted an additional {$560.00} from my bank account - apparently they had not yet cancelled the auto debit in spite of the loan having been paid off in full. Thus, my loans were overpayed by a total of {$1200.00}. 
I called to discuss the overpayments with ACS. On XXXX separate occasions I was told that funds would be returned to either me or the new lender ( and applied to the principal balance ), and that the process would take a total of XXXX days. It has now been XXXX days, and the {$1200.00} has not yet been returned. 
I contacted ACS today XXXX XXXX/XXXX/2015 XXXX for a third time requesting a status update. As of today I was told that they need to issue a new request to the department that handles payments/reimbursements, and that the process will take another 30 days - I have already waited XXXX days, much longer than the promised XXXX. During this period I have been out of pocket the {$560.00} that was sent to ACS ( and am still expected to make payments on time to my new lender ), and what 's more, my newly consolidated loans are incurring additional interest due to the added {$630.00} in principal on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: OneMain Finance Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: MS
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 am a natural person, I am a living human being, I have rights 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish accounts. 

Accounts XXXX XXXX XXXX - Opened XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX fraudulent accounts XXXX XXXX XXXX XXXXXXXX Fraudulent Inquires XXXX XXXX  XXXX  XXXX Bank XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX ) Ive contacted the creditors to have accounts closed and have contacted the credit bureaus to have removed and still remains after identity theft report and identification has been submitted

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 2022-10-08
Company: EQUIFAX, INC.
State: GA
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:
XXXX fraudulent accounts XXXX XXXX XXXX XXXX Fraudulent Inquires XXXX XXXX  XXXX  XXXX Bank XXXX XX/XX/ XXXX XXXX XXXX XXXX Bank ) Ive contacted the creditors to have accounts closed and have contacted the credit bureaus to have removed and still remains after identity theft report and identification has been submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2016-02-02
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
Wells Fargo Home Projects Visa has repeatedly assessed late fees when payments were made before the due date. Customer service was helpful in resolving this issue in the past and provided direction for how I could avoid the problem in the future ( details below ), but has not agreed to reverse any more late fees despite following their direction. 

The details of the matter regard a period between the due date and the statement closing date. Wells Fargo sets the due date on the XXXX of every month and does not allow any grace period. I have always paid prior to the due date. The statement closing date is on the XXXX though and the problem occurs when a payment is made towards the next statement prior to the closing date of the previous one ( e.g. when payment is made on XXXX XXXX for the statement due XXXX XXXX ). Even though the payment is made in advance of the due date, a late fee is still assessed. This is contradictory especially since there is no grace period i.e. any payment made after a due date should indicate a payment made towards the next statement. 

I have made every effort available to me to accommodate Wells Fargo Home Project Visa 's business practices. A customer service representative directed me not to make payments until the XXXX. Recent events would indicate that this was not correct and another representative informed me that this date can vary. I have also been told from other representatives that many people encounter this problem. Questions about the effect of this problem on my Credit History and Report were also answered unsatisfactorily. The representative stated that the Credit History would not be effected until the account was more than 30 days past due. Unfortunately, after making payments on time since opening the account, Wells Fargo still believes the account to be delinquent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief