BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-05
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had a security freeze with the three major bureaus for many years ( over 10 ) with no issues. For the first time since Equifax was breached, I attempted approximately six weeks ago to obtain a mortgage loan. I have a FICO of over XXXX. I am XXXX and have never had a ding on my credit. XXXX  and XXXX  unfroze my reports for the mortgage company with no issue. Equifax refuses to do so and the former method of using a PIN they provided in the past is no longer offered or working. I have sent them extensive documentation of my identity including an unfreeze form from their website along with my SS card, Global Entry Card, US Passport, utility bills, birth certificate, driver 's license, home deeds, etc ... by email, fax, and snail mail. I can not login to any of their sites as all it gives me is a phone number to call where I am on hold for hours. When I do get through they say they can not help me because my son 's name and mine is similar. That is why I sent in all the necessary documentation.The only response I received was an email about a month ago saying they were looking into it. I demanded they accelerate to a supervisor which they said they would do three weeks ago. I have not had any further response from them to my EIGHT follow-up emails. I am a former XXXX   and could not receive my loan due to Equifax not unfreezing my credit report. This is outrageous and certainly illegal behavior and I have suffered damages. Thank you for your consideration in looking into their egregious conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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 is missing that should be on the report

Complaint:
Portfolio Recovery DID NOT DISCLOSE THE DATE OF FIRST DELINQUENCY ON THIS ACCOUNT as requested in previous complaint closed by Portfolio Recovery. The Company DID NOT AND HAVE NOT provided the THE DATE OF FIRST DELINQUENCY TO XXXX, XXXX OR XXXX  credit agency. In Portfolio Recovery response to previous complaint, they only stated this Citibank adverse account was opened in 2010 and was purchased by Portfolio Recovery in XXXX. The Statue of Limitations legally allows that this adverse account be removed from my credit reports 3 years from the THE DATE OF FIRST DELINQUENCY SINCE THE INITIAL CREDITOR IS INCORPORATED IN THE STATE OF DELAWARE. The attached bill statement provided by Portfolio Recovery in previous complaint does not include the information requested, which is the THE DATE OF FIRST DELINQUENCY. The bill statement does not reflect the first delinquency. I have included the attached statement provided by portfolio recovery via my initial complaint to CFPB. I formally request this account be removed/updated with the THE DATE OF FIRST DELINQUENCY on XXXX, XXXX, and XXXX credit report. I BELIEVE PORTFOLIO RECOVERY IS ILLEGALLY WITHHOLDING INFORMATION IN ORDER TO COLLECT DEBTS PAST THE STATUE OF LIMITATIONS OF VARYING STATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: CITIBANK, N.A.
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:
thes accounts are not mine. please remove it. 



1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

". Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft THD/CBNA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2021-09-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called into DEPT OF ED/NAVIENT in regards to 2 alleged accounts reporting on my XXXX and XXXX consumer reports. 

DEPT OF ED/NAVIENT has no record of the accounts, no original agreement, no documentary evidence of indebtedness, yet still continues to report these fraudulent accounts. 

I demand that DEPT OF ED/NAVIENT cease reporting this inaccurate, unverifiable, and incomplete information. I demand that DEPT OF ED/NAVIENT request to have both of these accounts and all remarks removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Loan was with One Main Financial ( XXXX ), XXXX XXXX XXXX, XXXX Ohio, taken in XXXX, 2015 Actual Loan amount {$4700.00}, for 30 months. Total to be paid with finance charge {$6500.00}. Total I paid in 12 months was {$6000.00}. ( XXXX pmts of {$210.00} and XXXX check {$3400.00} ) .In XXXX when I called for pay off amount was given {$2000.00}, but when written letter received payoff was {$3400.00}. When I asked for report of how may payments was allocated ( interest and principle ) they refuse to give to me. I received my last payment of {$210.00} refunded to me. I believe One Main Financial took the total finance charges before applying money to the principle. One Main Financial owes me at least {$1000.00} if not more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/2020 I contacted the credit bureaus about an inaccurate credit account by the name of XXXX under XXXX XXXX XXXX in a amount of {$2600.00} which does not belong to me.

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 2022-04-15
Company: Webcollex, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After being in contact with CKS Financial through my cell phone and making 2 payments towards my debt, this company violated the FDCPA law and contacted me at my work number when I never gave them permission to do so. I stated on the phone that my cell was the only number to contact me on, however they called my work to try to collect a payment. I would like this investigated please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A company named XXXX XXXX XXXX who is located in XXXX charged my acct for a total of $ XXXX from XXXX XXXX XX/XX/XXXX in increments of XXXX XXXX {$300.00}. Showed proof of email that the company is acknowledging that the charges were unauthorized. They still denied the claim after the fact. I dont even think they did enough investigation to make an outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/2015 SLS without our authorization withdraw fund from our account and/or any notification, causing my family hardship and unable to catch up with the mortgage payments, then we requested a Loan Modification, which they continue to denied, until we send a letter to President Obama administration, in order to qualify for Making Affordable Program, which was granted by the President Obama Administration, after that SLS entity send me a qualification for a Loan Modification but in really it was very disappointed to see what they were offering me which is as follow : Monthly Payments of {$2200.00} for 242 month and a balloon payment of {$360000.00} at the end of the term, meaning that I will end paying triple the amount of my property also I will lose my property because it will be impossible to pay a balloon payment on the amount of {$360000.00} neither my wife or my sons and daughter. My wife and I are XXXX who are collecting Social Security Benefits and receiving the aid of our children an I believe that is not reasonable a proposition where they are asking for {$660000.00} at the end of the completion of 242 month when my property is only value at {$190000.00}, which was appraisal by SLS entity.

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 2021-09-28
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Us Bank, XXXX XXXX ( XXXX XXXX  XXXX XXXX ) Dont properly investigate claims, Deny Claims before asking for any documentation regarding the claims to be provided to assist in the process.

Do not accommodate any requests forms of assistance regardless of the circumstances and the requirements for the delivery of the services at no additional cost to them but still no provision of ADA / Disability Disorders and Needs for Alternates in Communication/ And all other forms involved in doing Business with them are not being provided and /or addressed to, most are Disregarded and /or provided a proper form of attention to, lack ce in the responses given compared to what is required to exist in order to be denied access, Equal, Fair, Non discriminations in the process and delivery of services provided to the public allows for equally access and Opportunities to use and benefit f

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 2017-02-03
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Once I became aware of the accounts with Fox Collection, I sent them a request for validation letter requesting documentation and at this point they have failed to send documentation to support that request. Not only did they fail to send requested information they have violated the FDCPA in which they continue to report an account that has not been validated. They continue to verify this account with the credit bureaus also though they have fail to validate the debt. Both which are violations of the FDCPA. 

I have been in contact with XXXX XXXX at this company to no avail to try to get this issue resolved prior to filing this complaint however he fails to acknowledge the violation and come to a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
See attached dispute results and ( 7 ) circle items. These items are still appearing on our report even after Equifax indicated they were deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PART XXXX -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing CFR XXXX ( b ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ). 
Specifically, I 'm requesting to know the identity of a true secured lender/creditor, and the existence of debt. Because of extensive criminal activity and fraud in this arena, I require proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. CFR XXXX XXXX b ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ). I 've been asking for a " copy '' of the note with a blank or special endorsement, allonge, an assignment of the note, or an affidavit otherwise proving status as the holder of the note. The attached assignment of mortgage does not contain any allonge, special endorsement, or affidavit. 
In fact, XXXX XXXX Bank, XXXX, has been publicly out of business since XXXX. Please see attached document for verification and confirmation from the Federal Deposit Insurance Corporation. According to the FDIC, XXXX XXXX Bank, XXXX did [ n ] ot exist on XXXX XXXX, XXXX. The attached assignments of mortgage make it appears XXXX XXXX Bank, XXXX was an active company on 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 explanation
Consumer complaint received 2016-07-29
Company: Insight Financial Services LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX 2016, we submitted a loan application and the required docs and received a Pre-Approval letter by Insight Loans so we placed a contract on a home based on the amount of the Pre-Approval. 

Awaiting closing, we packed up our entire household items, informed our landlord that we were moving out so he arranged showings on the house, and many other time consuming and/or costly changes. A few days before closing, we had n't received any updates except a few text messages stating that underwriting was very busy but rest assured everything will be fine. Closing day came and went without any return calls/emails that we made as well as requests from our realtor and the seller 's realtor. We also emailed XXXX XXXX ( lender ), to no avail. 

A day after expected close date, we were asked for an extension from Insight. The sellers did not give us an extension because they were very frustrated and had already moved out ( expecting to close ) and paying XXXX mortgages. We never received an update from Insight Loans that day and the home was put back on the market. 

Later that week, we were informed that the Senior Underwriter did n't approve our loan! We were in shock! NOTHING had changed on our end - everything remained the same. The final excuse we received as to why our loan was declined was because the Loan Officer calculated the income incorrectly. 

We understand that closings fall through all of the time due to changes that occur on the buyer 's end. However, there were NO changes on our end and the loan officer agreed. We met every condition the underwriter had sent. We are devastated that we lost the home and how this affected many families. The after-the-fact apology that was received by the loan officer does not begin to make up for what we are going through. 

How could this process go this far and then only receive an excuse of " the income was calculated incorrectly ''?? We have it all documented in an email. 

We are living in a house that is all packed up with nowhere to go. Also, the sellers are now refusing to give us our earnest money back and we have paid money towards inspections, etc. that we have not received back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-12
Company: IQOR US INC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
calling 15 to 16 times a day each day. Have it on a call log of time and date. starts early morning and last all day

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 2021-09-28
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
IC Systems has contacted me almost daily for a week regarding medical debt. I have advised them EACH time that I am not currently employed and am unable to pay the debt at this time. On the call that took place approximately XX/XX/2021, I advised them that the address they had on file was incorrect and I confirmed my po box  address so that they may send the legally required validation of debt, which they have yet to resend. On the call today, XX/XX/2021, the agent that I spoke to continued to attempt to delve into my personal life and finances which I advised her were not her concern as I had already advised I had no income. Once the call ended I called back to speak to a supervisor, I advised the supervisor that their company was in violation of sections 806, 808, and 809 of the FDCPA to which her response was that she would remove my number and listen to the calls. I again advised that at this time they were outside of the legally required window for validation of the debt and she stated that she would resend the letter, to which I quoted again that she was outside of the legally required window. I asked to speak with someone within the company who took these matters seriously to which she replied that she does and that she's removing my numbers and I should keep hers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am in the process of purchasing a home and my realtor pointed out several accounts showing on my credit profile that I have never opened nor have any knowledge of

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 2015-05-05
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XXXX XXXX, I contacted this collection agency to request that they change a comment on my credit report. Long story short, there are XXXX medical collection accounts that are reporting to my credit reports by this Fox Collection Company that were showing in dispute ( because I was n't sure what they are so I asked the bureaus to investigate ). Anyway, I called because I know what they are now, and I do not want the dispute to continue. I requested that the dispute comments or codes be removed from my credit items so they are no longer showing in dispute. Fox Collections requested that I send an email so they have something in writing from me showing I am no longer disputing the accounts and to remove the dispute language ( I have this email as proofs FYI ). Fast forward to approx XXXX XXXX - I applied for a mortgage loan and was denied because Fox Collections had n't removed the dispute language from my credit report. I called Fox Collections and was told that yes, they WOULD remove the language/codes but it would n't be reported correctly until XXXX XXXX. XXXX XXXX ... re-applied for mortgage - dispute language/comments/codes still on credit report. I proceeded to call FOX Collections AGAIN- they were very rude - claimed now that they did n't say they would remove the dispute language OR that they received my email requesting the accounts to no longer be in dispute ( again, i have proof I sent this email on XXXX XXXX ) and they said it was my fault ANYWAY because I did n't pay my bills. 
This is unbecoming of any company let alone a collection agency. I also know my rights under the FCRA and FDCPA. They can not misreport information to my credit report. I have easy to follow trail requesting that these XXXX accounts are NOT showing in dispute. I as the consumer have the right to request an investigation and the right to decide not to dispute accounts any longer. They are misreporting that my accounts are still in dispute to PURPOSEFULLY and WILLFULLY DAMAGE my reputation and hold me back from qualifying for a mortgage loan. When I told them this, I was placed on hold for about XXXX mins ... and then call was disconnected. Now they wo n't return my phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: AES/PHEAA
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
constantly calling even after i have made deferred plans which put me at a monthly payment of 0.00 Last week someone called and i explained this to them and they called right back. Constant harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was paying off in full the amount due on Citi Costco credit Card.

At that moment the Citi Costco credit Card system gave me three options:1 ) to pay the minimal payment 2 ) to pay in full ; 3 ) or to pay another amount. I opted to pay in full! The Citi Costco credit Card system indicated the total amount that was expected to be paid for account to be considerer paid in full, I paid on XX/XX/2021 the amount of {$6000.00}. I made the payment to Citi before the due date, I have disputed the extra charge of {$66.00} with Citi Costco bank and indicated to them that at the point I was paying off that the full amount paid was the amount required to be paid in full payment now I am surprised you are charging me XXXX because they received the payment on XX/XX/2021 ... This is robbery!!! 
The contact information for a formal complaint should be sent to this address : Office of the President c/o Citicorp Credit Services , Inc. ( USA ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ID 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