BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Sent several letters and faxes to  XXXX , Transunion,  XXXX  requesting that information be removed that has not been validated with supporting documents/contracts. This has not happen.  XXXX , Transunion,  XXXX  keeps coming back stating the information has been verified, but will not respond to me requesting supporting documents to validate the account or information pertaining to who verified and validated the information from the creditor.  XXXX , Transunion,   XXXX   is violation under the FCRA.

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 2015-11-11
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
As of XXXX/XXXX/XXXX I have been paying XXXX XXXX XXXX XXXX on an old debt. MY last payment was on XXXX/XXXX/XXXX. When I called XXXX concerned about my balance on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX because I owed no more payments.I have been paying on this for 5 years. They refused to see my pay records and did n't want to speak to me and said they sent to the account back to XXXX XXXX. So i called XXXX and they said they have not received any information from central credit services. In the mean time I come in contact with Midland credit Management. This is who central credit service supposedly sent my account to not XXXX ... .another debt collector. I was informed by Midland that they have had my account since XX/XX/XXXX. I have never heard of this business. Furthermore I have never received not one stitch of paperwork from Midland credit management saying that they had my debt or that I owed any money to them ever. I have my pay record from the very beginning of XXXX/XXXX/XXXX when i started paying central credit services and for the rest of the 5 years that i have been paying central credit services. I have NEVER paid any payments to a midland and have never had any correspndence from them. I have only had correspondence from XXXX, XXXX. and my pay record will reflect that and all the payments that went to them with the trace #. i think its very strange that when i called about concern for my account they handed my account to this other company and somehow I have a balance again. I have also been in contact with XXXX from XXXX XXXX and have all that correspondence too. I filed a FTC complaint against XXXX, XXXX and now i want to file a complaint with Midland as I have never heard from this company and there records are incorrect. I will attach XXXX bank statement from every year showing I have always paid XXXX, XXXX and have had no dealings with Midland and my account should be XXXX. If you should need anymore statements please contact me as I have every single one of them on hand and ready to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: MOHELA
State: RI
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:
My total loan was {$16000.00} - disbursement began  XXXX  and completed  XXXX . I started making payments in  XXXX . I called a couple years ago to go over payments and when my loan would be paid and was told it would be done by  XXXX . My loan balance has not changed much in the past 12 years and they show I still owe  $ 9000+  I 've requested 3 times a print out of my payments and each time they only provide from  XXXX  and  XXXX  but will not provide me with  XXXX . I ran my loan in an amortization schedule and this should have long been paid for. I 'm getting no where with them and I know this should have been paid in full by now. I feel like they have me backed in a corner and are ruining my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working hard to avoid foreclosure on my home at  XXXX   XXXX   XXXX  and each time I get close to finally completing a short sale,  Ocwen  puts the property up for auction. A contract was presented  to Ocwen and after months of waiting for their review, they came back with a counter-offer and then had the property in foreclosure without giving the buyer the opportunity to respond to the counter. Ocwen was then given a better net amount than they requested but still the property is in foreclosure. This has been such a mentally draining process and it seems that the closer I get to completing a short sale, I keep getting resistance from Ocwen. Please help and have the foreclosure lifted and this short sale completed once and for all.

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 2022-04-17
Company: CCS Financial Services, 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: Account information incorrect

Complaint:
XXXX has failed to respond

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On receiving a request to substantiate charges and liability related to an account this institution had reported to my credit report, the company in a bewildering response ( see attached response ), refused to provide the requisite documents to stay in compliance with the FDCPA and stated they would continue to report the account on my credit report in violation of my legal rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I have had a mortgage on my home in good standing with on time payments for seven years. The company handling my mortgage,  XXXX  is not reporting to any of the credit bureaus. I have contacted them on at least  five  separate occasions about this issue. Their canned response is that they are reporting to all   XXXX   bureaus and that I should contact the bureaus individually to find out why my mortgage does n't appear on my credit report. I have done this, and all  XXXX  credit bureau 's insist that ocwen is NOT reporting the loan. It seems fairly obvious that ALL the major credit bureaus are not conspiring together to deny the reporting of this loan. The only logical explanation is that  XXXX  is not properly reporting it. I have attached my latest credit report pull, and as you can see, to mortgage account is listed. My loan numbers are  XXXX  and  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 2017-05-10
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  conducted an unlawful foreclosure of the homeowner 's property. In a subsequent eviction action homeowner challenged the foreclosure and the parties agreed to rescind the foreclosure and give homeowner a loan modification allowing homeowner to remain in the home with an affordable mortgage. The servicing of the loan was transferred t o Ocwen Loan Servicing, LLC  and the Modification Agreement was signed by the borrower on  XXXX   XXXX ,  XXXX .  Borrower has made all required payments under the Modification Agreement.   However, in  XXXX   XXXX   Ocwen  returned her  XXXX  payment because the check inadvertently did not have a specific date but just said  XXXX   XXXX . Borrower sent a new check for the  XXXX  payment but since then there have been continued problems with Ocwen accepting payments. In  XXXX   XXXX  borrower sent a bank check -  Ocwen  claimed it was never received but borrower 's bank says the check was deposited. The remaining checks from  XXXX   XXXX  on have not been accepted by Ocwen and have been returned to the borrower. Through counsel borrower contacted the attorney for Ocwen who handled the recession of the foreclosure. Borrower sought to pay the money owed but there appears to be a difference in the amounts the borrower an d Ocwen believe are owed. Counsel for Ocwen now says they are no longer handling the case. In addition Ocwen is claimin g borrower is in default and have begun the foreclosure process. Borrower is more than willing to pay the amounts she owes for the months of  XXXX  through  XXXX  and wants  Ocwen to immediately stop all foreclosure proceeding. Borrower does not believe she should be charged for late fees and property inspection fees as these were incurred because of Ocwen 's failure to accept timely paym ents.

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 2016-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX/XXXX/XXXX, I opened a complaint regarding inaccurate information on my TransUnion Credit report. The case number is XXXX. Following this complaint, TransUnion removed these erroneous inquiries. However, on XXXX/XXXX/XXXX, they added a new, identical inquiry to my credit report. I submitted another complaint ( case # XXXX XXXX, and the incorrect information was again removed. 

On XXXX/XXXX/XXXX, TransUnion added yet another, identical hard inquiry to my credit report. This clearly indicates that they have not remedied their error, and are in willful noncompliance with FCRA. 

The original complaint related to XXXX hard inquiries into my credit report by XXXX Bank XXXX XXXX Florida between XXXX of XXXX and XXXX of XXXX. They are reported as applications for a XXXX XXXX XXXX. 
I must stress that I have never applied for any credit card through XXXX Bank, or any XXXX credit of any form. Further, the address and identifying information they provided to Transunion is for another person ( i.e., not me ). The information they provided is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX ( XXXX ) XXXX I am XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never resided in the state XXXX. 

I have submitted numerous written complaints to both XXXX Bank and TransUnion. Both of them have responded in a dismissive manner, claiming that I did apply repeatedly for this credit card, and that the inquiries will therefore remain on my credit report. If TransUnion were to check their own data, they 'd immediately see that I do not possess the credit score and history of a person who 'd be repeatedly denied for a low-limit retail credit card. 

Here is the information provided for the financial institution on my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I would sincerely appreciate your assistance with this matter. I feel that their behavior constitutes flagrant and willful noncompliance with FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18
Company: ALLY FINANCIAL INC.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a certified used car w/ Ally Bank being the lean holder. The car I purchased had several issue I only took the car to the dealership to get serviced never did they inform me of any issues, but the check engine light kept coming on. The gas and or the fuel pump was fixed XXXX by the dealership within a months time. After two weeks the engine failed. They saying to repair it cost XXXX XXXX dollars which I do n't have and now I 'm stuck with a XXXX XXXX dollar loan for a car that is worth XXXX and is also not operable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: AES/PHEAA
State: MA
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 have been working towar d Public Service Loan Forgiveness for 8 years, paying under an income driven plan. I called   Fedloan Servicing on  XXXX / XXXX /  XXXX   to ask why my monthly payment had changed. The person I spoke to suggested I change my repayment plan to the standard 10 year repayment plan to save on monthly payments. I asked repeatedly if this would affect my  PSLF  eligibility. They said i would still be eligible for forgiveness in 2 years. I applied. I called back 10 days later to check status and ask someone else if eligibility would be affected. They said I should still be eligible and that the request was pending. When the request was approved, fedloan servicing sent me the repayment terms. The terms ere standard payment for a 20 year plan. Only the 10 year plan is acceptable for forgiveness eligibility. I called. The operator noted that when i consolidated, I was put on a 30 year repayment term and could not deviate. She told me I had to now reapply for an income driven plan. My request is still pending. This inaccurate information from the servicer will result in a delay of my forgiveness.  Imagine  if I did not understand the program and made payments under the new plan, only to be denied eligibility for forgiveness in 2 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in receipt of my credit report dated  XXXX   XXXX ,    2017  attempting to collect a debt from me. I have never done business with you. In fact, I had never heard of your company until having received my credit report. What I find strange is your attempt to collect the debt with me when I do n't owe you any money in the first place! Please see this notice as me disputing this alleged debt with your company as well as requesting debt validation. Send me legal supporting documents bearing that I 've done some type of business with you hence owing you money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have been issued XXXX different wage garnishments on debts that are older then 4 years. They are over 7 years old and the collection agency has issued a wage garnishment to my employer for these debts. XXXX has been paid thru the wage-garnishment and just received a new wage garnishment for the other debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My credit report was hit with a charge off report in XX/XX/XXXX regarding a loan I never made with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MT. XXXX XXXX XXXX is a tribal lender of the XXXX XXXX XXXX. The XXXX XXXX, XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX. XXXX, XXXX , XXXX and XXXX XXXX XXXX ) recently were green-lighted for investigation under the CFPB by U.S. Court of Appeal for the XXXX XXXX. The Bureau initiated  an investigation into the Tribal Lending Entities to determine whether small-dollar lenders violated federal consumer financial laws. 
A dispute for this error on my report was filed with TransUnion on XX/XX/XXXX as well as a letter sent to the creditor directly on XX/XX/XXXX by email to XXXX, XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX responded to my request and requested a police report and affidavit. At that point, I did not have any information to suspect how this information appeared on my credit report. Therefore on XX/XX/XXXX I requested that XXXX XXXX XXXX supply to me a full accounting of the loan allegedly made by me. On XX/XX/XXXX, XXXX XXXX XXXX indicated to me by email that I must supply them with my credit report to which I adamantly opposed giving any information to a lender I did not initiate contact with for any such loan. 

To date, XXXX XXXX has not responded to my request to provide a full accounting this loan is valid.

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 2015-11-18
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
MCM and I agreed to settle a debt by my paying XXXX installments of {$130.00} each. I made the first payment on XXXX/XXXX/15. MCM then sent me a statement dated XXXX/XXXX/15 that reported no application of my payment. The balance remained the same. I then had several phone calls with MCM to find out what happened to my {$130.00}. I was told that there was no record of said payment. I was told that a a manager would call me, but never received such call. I was also connected to a phone system that hung up on me. 
MCM last contacted me via a statement that was sent to an address at which no one in my family has ever resided. The statement is dated XXXX/XXXX/15 and contains a totally false account balance. However, it did disclose what happened to my {$130.00}. The XXXX/XXXX/15 balance is precisely {$130.00} greater than the XXXX/XXXX/15 statement balance. Incredibly, MCM increased the balance by the payment I made!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The creditors have wrong personal information. I have married and my last name is changed along with my address. I also noticed that they have medical debt reports that I did n't even know I had and can EASILY be taken care of right away! These things are a HUGE reason I am getting such a bad report, I NEED THIS CLEARED AS SOON AS POSSIBLE. Also I am taking care of a HUGE student debt, that should be showing progress to my credit report but just found out that it is n't because of them not HAVING THE RIGHT CONTACT INFO and my name change due to marriage. I have reason to believe my someone is using my name and social security number to keep utilities in my name, I see I have a " consumer energy '' and " XXXX '' debts in a time frame that I 've lived here at this current address and KNOW for a fact could n't be my debts because we have different providers actually I still have them until this day. WHAT DO I DO?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Franklin Collection Services reported, on multiple occasions, to all three credit bureaus that I owed a d ebt to   XXXX   XXXX   XXXX   that was paid directly to   XXXX   XXXX   XXXX  . I never received any notification from Franklin, I wrote asking for validation and never received a reply and disputed with the credit bureaus, including submitting proof of my payment directly to   XXXX   XXXX   XXXX  .  Franklin Collection  is still reporting this collection to all  XXXX  bureaus, although they have now changed the balance to {$0.00} with  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Diversified Consultants, Inc.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been contacted by a collection agenc y, Diversified Consultants, in   representation of  XXXX  about a bill that they say I owe on account that was closed in  XXXX   XXXX . This account was closed with the amount of  XXXX . due. Which I was willing to pay, however I received a bill from the first collections agency "   XXXX   XXXX   '' on  XXXX / XXXX / XXXX  for the amount of {$420.00}, which is double what the service bill was actually for. Then on  XXXX / XXXX / XXXX  I receive a new bill from  Diversified Consultants telling me I owe {$810.00} which is now almost 4 times the a ctual service amount due. I refuse to pay this balance because it is incorrectly being billed. I have contacted Diversified via letter and they have responded back with an invalid " made up '' final copy of my  XXXX   XXXX  because this is  one I 've never seen nor could I imagine it going up when the account was closed. I have attached all documents including a check stub from the FTC about these same collectors a nd their invalid information regarding  XXXX  where I was paid a settlement amount. I refuse to pay this and deal with this so I am reporting them to you. I would like them to remove this account from my credit report and also advise them whatever " records '' they say they have blocking me from ever getting a  XXXX  phone account again, relinquished. I also want a formal letter from them responding that this has been completed. All verification documents are attached.

Company response to consumer: Closed with non-monetary relief