BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-27
Company: TD BANK US HOLDING COMPANY
State: NY
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:
To whom this may concern target store credit card / TD BANK USA/TARGETCRED been on my report for some time now since I found out about the account I been trying to dispute this with them and all three credit bureaus and no help has been giving the information such as address and phone numbers and email has all been incorrect information that doesnt belong to me. The last rep I spoke to try to convince to me keep the account open even thought I didnt open it. And I had no knowledge of this account and I asked her to closed it she kept me on the phone for a very long time to convince me to stay with them. I want this account removed off my credit report I told them that a family member open this account behind my back and they are in jail now. This is frustrating that I have to go threw this this is fraudulent and wrong and I know my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my second complaint as to what has been going on. In the last correspondence here with Fay, they responded by stating my mortgage was short {$540.00} due to escrow - this bing after I was told {$660.00} and {$650.00}, on 2 different occasions was due. This shortage started in XXXX, XXXX when I was not even aware I was short due to multiple representatives at Fay telling me I was current. I spoke with a rep this past Friday to make my payment to get XXXX caught up and was told XXXX was paid, I need to make a {$2300.00} dollar payment for XXXX. So for XXXX, {$1500.00} of my payment went towards interest. That is ridiculous. 
We are waiting to hear about a modification that I would like to be permanent but are also waiting to hear on our refinance request. My husband reached out to XXXX this past Friday also who is handling our refinance and she told him that the refinance will be dead in the water if we do not pay {$2300.00} on Sunday, which was yesterday. 
We are late but not in default and everything I have researched states that a refinance is still a viable option if one is late, but not in default. I am scratching my head because if the payment was due for the refinance to continue, why did no one reach out? 
Every time we call, we get a different answer. It is odd because when calling Fay, there are quite a few prompts with verifying numbers and giving them permission to contact you. I always answer yes. This seems to be the only way to communicate. 
Very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The representative stated I had no right to dispute : only that I had to pay a 7 year old {$84.00} bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: NY
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 contacted XXXX and requested a debt validation pursuant to 15 USC 1692g. In order to validate a debt, an alleged creditor has to submit 5 criterias, this is not optional and no part can be missing. Pursuant to 15 USC 1692g, within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Attached is the correspondence I received from XXXX proving they were unable to validate this alleged debt. I have disputed this debt several times with Equifax and you repeatedly concluded your investigation as this debt was validated and it remains on my consumer report. I need to see what they are sending you that is different from what they are sending me. I demand Equifax provide me with the method you used to investigate this an valid and ALL documentary evidence pertaining to this account and why you feel you have enough evidence to keep furnishing this information on my consumer report. If you can not provide me with this evidence, I demand you delete this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed a collection on my report from XXXX XXXX XXXX XXXX who claims they are collecting on behalf of XXXX. Account number that shows is XXXX. Transunion refuses to remove this incorrect collection from my report. I am including proof I do not owe money for this. As you can see I have a {$0.00} balance with XXXX because student loans paid for this.

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 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have written and called TransUnion several times about the account at XXXX 'XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is reporting to TransUnion as a charge off but is showing a balance. Not only are they showing a balance, this account has been sent to a collection agency. They are also reporting C/O each month on my TransUnion report to reset the last date of activity. I have explained this to TransUnion several times via phone and letter. They have yet to remove this account for inaccurate reporting.

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 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2016-09-28
Company: Amsher Collection Services, Inc.
State: DE
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 have a collection from this agency and another on my credit report, The agency i would be addressing today is AMSHER Collection agency. I have spoke with them numerous time about getting this off my credit report, the first time i was told i would be mailed a form with 7 days, that i would need to fill out and foward to XXXX. 2 Weeks of not receiving such, i than contacted them back. i explained to them ive been trying to get a auto loan and this is 1 of the 2 agencies holding me back due to a debt that is in fact not mine ( XXXX XXXX ). I offered to provide my birth certificate as well as state ID hoping this would expedite things since both pieces of evidences clearly state that i was a minor ( Under the age of XXXX ) at the time of these accounts. I can not have a civil conversation with amsher collection agency without being interrogated about this matter, i have been asked for payment on these debts everytime i call to dispute this matter, and ive just been getting the run around, I dont see why its so hard to remove this debt off my credit report since it clearly could not be my debt since all this was done before i turned the legal age ( XXXX years old ), to even sign a contractor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Synovus Bank
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FSTPROGRESS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been trying to work with Pennsylvania Higher Education Assistance Agency to review qualifying payments that they are not counting toward PSLF. They have said that they are under review for over a year, with no resolution. I have made every payment since the disbursement of the Direct Loan in XX/XX/XXXX. However, they are currently excluding 18 payments for which I have not received credit toward PSLF for the following month/years. XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX. I made payments dating back to XXXX while being employed with a qualifying employer, but was not informed that I was under the wrong type of loan until XX/XX/XXXX at which point they were consolidated into a direct loan. I have been employed with qualifying employers since XX/XX/XXXX. I am escalating this because I am approaching 120 payments that have been counted and if the 18 payments are included, I would qualify for forgiveness in XX/XX/XXXX. It is reprehensible the way individuals who have dedicated themselves to public service have been misled, misrepresented and generally treated by PHEAA. I am beyond pleased that they are terminating their contract. I only hope that another equally dishonest and incompetent servicer does not replace them. Thank you and I hope you are able to help me and the thousands of borrowers that have held up their side of the agreement, but have been taken advantage of by PHEEA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I applied to Citizens Bank to take advantage of their Citizens Bank Education Refinance Loan I have never missed a payment on any credit issued in my credit history. I am up to date on all credits issued. I have a credit score of XXXX and I was denied an Education Refinance Loan. I feel that Citizens bank has violated the regulations of the Unfair and Deceptive Acts and Abusive Practices I feel they have Bait and Switched what they claimed would be a chance to repay my student loan in a timely matter. When I called to ask questions I was told by the person on the phone " Well it looks like you have XXXX options to repay your loan, borrow the money from a family member, win the lottery, or die '' I feel this was a way of them saying that they do not think that my life or my wanting to better my financial situation is worth the time to actually look at my credit report and see that I should have been approved for this loan, and with out a shadow of a doubt that repayment would be fulfilled according to the terms of the loan. I find the way that I was spoken to on the phone and the way that my application was denied with my great credit history and payment history again is violating the Unfair and Deceptive Acts and Abusive Practices regulations and a Bait and Switch scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: ERC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Mr. Cooper Group Inc.
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX  I refinanced my home with XXXX XXXX. 
The amt is XXXX with a monthly payment of XXXX for 10 years. 
About a month ago i realized that there were no payments being taken out of my investment banking account. I contacted american financing and they sold the loan to nationstar in texas. I contacted nationstar mortgage, which is mr. cooper loan comp, only to find out that all the letters pertaining to the transfer and payments they sent to me were returned to nationstar. 
I learned also in that phone call nationstar put my home into foreclosure > I was shocked as i have excellent credit, I definitely have enough money to cover payments, My home is worth XXXX XXXX plus and i was never contacted by either company about a foreclosure. I learned that nationstar had the wrong address for me, they never had a phone number or e-mail on file for me, and therfore simply said we can reinstate the loan if you pay all the previous months payments, which i will gladly do but my credit score is compromised and i have to pay XXXX in forclosure fees. 
Wanted to know if a compaany can just forclose on a loan like this without even contacting me. I found out that american financing also had my physical and mailing addresses, which are not the same mixed up. I find it odd that they could potentially get XXXX XXXX from my home just because they did not even try to get an e-mail or phone nu for me. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
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: Public record information inaccurate

Complaint:
I, as a Consumer and Natural Person, requested my Consumer Report from XXXX, Equifax, and XXXX by letter on XX/XX/2021. They all responded that the alleged bankruptcy was Verified as Accurate. As a result, I launched my own investigation for the removal of an alleged bankruptcy being reported on my consumer report by contacting XXXX as they were the initial violators of my privacy pursuant to 15 USC 1681 ( a ) ( 4 ). XXXX was unable to verify the accuracy of bankruptcy case number XXXX and it has been removed. Please see my letters to Equifax, XXXX, and XXXX with my supporting evidence that they are also in violation of my privacy pursuant to 15 USC 1681 ( a ) ( 4 ). The reference of the alleged bankruptcy XXXX follows : XXXX - ID # XXXX : XXXX ID # XXXX : Equifax ID # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
About XXXX years ago I tried to modify with the company Ocwen Loan Servicing. They put me in varies programs and asked me for more information it took about XXXX months to tell me that I do not qualify and the principal of the house when up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called XXXX  XXXX XXXX  XXXX and informed them that I was leaving my apartment as of XX/XX/XXXX. They continued to charge me for the apartment for 2 more months. I called to try to resolve this and they told me that there was nothing I could do, so I called my bank and told them this was not a valid charge. I do not owe this debt. This was a mistake made by the power company. My address was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL. I gave them at least 2 weeks notice before leaving. I'm in my XXXX, and my credit means everything. Please help me to resolve this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Last year I made a lump sum payment with an XXXX educational award. There was {$75.00} left after all the unpaid interest was paid. I instructed Navient to put the remaining money towards loan # XXXX. Instead they applied it to loan # XXXX. Loan # XXXX is a lower interest rate loan than loan # XXXX. When I called to correct this mistake, I was told that the entire amount would be " taken back off '' and that interest would continue to accrue while their mistake was being corrected. I declined, and left it as it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an attempt to collect a " debt '' in the mail from Enhanced Recovery Company , LLC ( ERC ). The letter stated " Dear CURRENT RESIDENT : Your recently disconnected XXXX XXXX XXXX account has been forwarded to us to assist you in the resolution of your balance due. Enclosed is a summary of your remaining charges. Please contact us today at the number provided below to pay your balance by phone. Thank you. '' I spoke with a representative at XXXX XXXX XXXX and they informed me that I currently have a XXXX balance and no outstanding balance from my account has been sent to collections. The representative forwarded the issue to XXXX XXXX XXXX 's fraud department. 

I then called ERC and the representative was unable to give me the specifics of the debt and they did not know my name, the representative knew me only as the " Current Resident ''.

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 2021-09-27
Company: EQUIFAX, INC.
State: AL
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:
i have disputed with equifax by mail several times about the 12 inquiries on my report i also disputed on equifax website. i called and spoke with the fraud department also these are not my inquiries and i want them removed. Also there is a XXXX XXXX XXXX on my equifax report that is inaccurate along with another one called XXXX XXXX XXXX both are inaccurate there not even on the other credit bureaus due to inaccurate reporting i want them removed open and close dates are wrong, amonuts are wrong i want this removed! i have also filed a complaint with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
$ XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TransUnion, XXXX, XXXX XXXX have all three violated my rights! By law! They havent even issued any evidence that these hard inquiries or derogatory marks on my account ; balances, were made by me after many disputed and phone calls of me explaining that it wasnt! Im on the verge of getting an attorney! In accordance with the Fair Credit Reporting Act, theyve violated my rights.

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account of mine without written instructions!

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 2020-04-04
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, amount XXXX name XXXX  XXXX  XXXX  this report is not my

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: VeriCore, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Unannounced, they came into our place of business and started taking pictures. We are not a public-facing company. We are a private call center. They startled my employees. Would n't leave when asked. One girl went home crying. We threatened to call police and they said they had the right to be here. We started calling police and they left real fast.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation