BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/20 I went to XXXX XXXX to perform a consumer credit transaction to purchase an asset for a vehicle and was denied the right to extend my credit to cover the finance charge by paying to the order of TD AUTO FINANCE. Not only did they deny me of my rights, but they also required that put {$17000.00} down as a downpayment in order to contract for the goods. I know this is a violation of my rights pursuant to the 15 USC 1611 and 15 USC 1640 of Truth in Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
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:
Negative remark appeared on XXXX and XXXX   in the amount of XXXX. Was not advised payday loan would impact my credit after filing bankruptcy XXXX several payday loans were being offered XXXX XXXX being one of them. On my report it shows Buckeye credit solution who never contacted me about this amount due. They have now sold the dept to XXXX XXXX who i have never heard of or from until XX/XX/XXXX reached out and was given no explanation why I wasn't contacted about them selling my dept to XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Lendmark Financial Services
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
ATTACHED IS A COPY OF THE DISTRICT COURT COMPLAINT FILED XX/XX/XXXX WHICH INDICATES ON XXXX UNDERLINED INDICATED IN THE SETTLEMENT AGREEMENT ALL ATORNEY FEES WERE INCLUDED IN THE XXXX PAYMENT AND THE LAST XXXX PAYMENT WAS MADE ONXX/XX/XXXX AND WE CURRENTLY ONLY OWE THE XXXX NO LATE PAYMENTS WERE ATTACHED TO THIS FIGURE ON THE STATEMENT AND THE ONLY REASON THAT XXXX WAS NOT PAID WAS BECAUSE LENDMARK KEPT ASKING FOR THE ATTORNEY FEES WE HAD ALREADY PAID AND ALSO THE XX/XX/XXXX PAYMENT SHOWED NO LATE CHARGES WHICH IS ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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:
My name is XXXX XXXX XXXX There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Experian Information Solutions Inc.
State: WA
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:
In 2014 my wife and I had begun filing for bankruptcy but cancelled the filing when we found we were able to settle our debts without doing so. A recent credit inquiry shows this bankruptcy as dismissed but we never completed the filing or followed through with it. We have tried disputing this information with the credit bureaus but the reporting is still showing on our credit profiles.

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 2018-05-31
Company: Source Receivables Management LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed the collection with XXXX years ago XXXX knowledge the fraud and removed it from my credit report and account two years or so late it has returned do XXXX XXXX and XXXX XXXX the same people i reported for this fraud and stole my sim card from my phone and stole Identity and call credit bureaus reporting false information but this collection debt was already recognized as fraudulent charges and activity on this account for XXXX now the trying to collect the same fraudulent debt again with hurt my credit score twice now thank you XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, I'm writing regarding two accounts that Portfolio Recovery has reported on my credit report which is not in accordance with the fair credit reporting act. The information is not 100 % accurate. I also spoke with XXXX XXXX of the Kansas office operator number XXXX, and XXXX XXXX of the Kansas office, both did not produce the requested information. I asked for a copy of the original agreement show my signature or driver license they both refused. Then I spoke with XXXX XXXX who stated he was the operations manager, and the highest available person. I explained to XXXX the XXXX that Portfolio Recovery is using is not for public use, and that it belong to my trust. I also offered to share with XXXX my federally recognized documents naming me as one of the owners of that TIN number and trust. I would like the CFPB to have them delete the slanderous comments from my credit report on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Southwest Credit Systems, L.P.
State: MA
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 2018-07-15
Company: EQUIFAX, INC.
State: NJ
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 have sent several letters to remove the dispute comments from two accounts on my Equifax credit report and they have failed to do it. The two accounts are XXXX  XXXX XXXX - XXXX and XXXX XXXX XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Am receiving multiple phone calls from a collection agency looking for someone with my last name, but not my first, for a debt that is not mine. The person they are looking for has never been listed in my address, nor phone number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2020-08-16
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was sold from XXXX XXXX/ XXXX in XX/XX/XXXX to PHH mortgage ( part of OCWEN Financial ).  Since they took over the sub-servicing of my mortgage they have caused me two serious problems : 1 ) finding my XXXX Payment and applying to the new account ( this was resolved but took almost 2 months to do so ). 
2 ) Have caused me to be delinquent in my XXXX 2nd half real estate tax payment to my county treasurer because of their mismanagement of my escrow account. 
Per the 2nd issue I have been interacting with them since XX/XX/XXXX after receiving a delinquent tax notice from my County treasurer 's office on my home. I sent them a letter along with the original delinquency notice AS WELL as a copy of my official county tax notice to their Florida address as advised by one of their customer service people whom I spoke with on the phone. I did not have it sent certified but I did send it with a tracking notice to verify its delivery. Since then I have made multiple phone calls with their customer service people as well as my county treasure ( who as of XX/XX/XXXX has not received any correspondence or payment from them what so ever ).

The last I heard from PHH was on XXXX that they were going to have it resolved by XXXX and were going to call me to let me know they had finally tracked their supposed escrow payment and resolved it with my treasure 's office. I never heard from them on XXXX and I know my treasure 's office is closed because they only work 4-10 's M-TH of each week. 
I am absolutely flabbergasted and disgusted at the poor quality of service by this company. It should not take two months to resolve a mortgage payment or escrow account issue. I may have to go in and physically pay the tax and interest just to keep off the public record Tax Lien list which will be published in XXXX for my county!!! 
My escrow account is current and I have documentation that they claim they paid the XXXX half from XXXX on my escrow statement but XXXX XXXX does not have it per their records!! 
I have no confidence in this company and I am beginning to think that they are not above board in their business dealings. Its seems to me they are up to the same old mismanagement tricks from XXXX when they got caught by CFPB. 
I had no choice in them becoming my loan servicer/owner and it scares me that a perfectly good mortgagee who has always made their payments on time and works to have good credit can be subjected to this treatment. 
HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
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: Investigation took more than 30 days

Complaint:
I have sent numerous Dispute letters on my behalf to Equifax. Equifax has NEVER sent me a investigation results. I sent dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and certified on XX/XX/XXXX. 

I would like the negative information that is inaccurate to be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. I am a insert profession here and my credit is crucial to my ability to make a living. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I'm sure you'll agree it needs to be removed ASAP. 


The following information therefore needs to be verified and deleted from the report as soon as possible : I dispute : XXXX XXXXXXXX XXXX Not mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX Not mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXX Not Mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXX- Not mine Delete/remove from my credit file. 

I dispute : XXXX XXXX Not mine Delete/remove from my credit file. 

I dispute : XXXXXXXX XXXX XXXX-Not Mine Delete/remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Can not activate my card from Texas Unemployment through Us Bank Reliacard. Tried the website and it won't work. Tried the app and tried calling. I can not use my card.

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 2016-04-06
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
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:
I co-signed a student loan ( NJCLASS ) for my daughter, XXXX XXXX, in XXXX. She was the first of our children to go to college and we were in unfamiliar territory when it came to financing. When my daughter left school in XXXX, she began to be contacted by her lenders regarding repayment of her student loan obligations. The NJ Higher Education Student Assistance Authority ( NJHESAA ) did not contact us, for whatever reason. XXXX began repayment with all of the other ( XXXX ) lenders and remains in good standing. We were eventually contacted by XXXX XXXX, a law firm that represents NJHESAA, and told that we were in default. We immediately explained that it was an oversight but signed the repayment agreement ( which DOUBLED the initial student loan amount ) to get in good standing. Payments have been made since XX/XX/XXXX and are current. 

Despite the fact that XXXX XXXX provides a letter showing the payments and stating in writing that the account is current, NJHESAA continues to report both XXXX and me as in default/delinquent. Both of our credit reports have been severely damaged due to this. I have attempted to deal directly with NJHESAA and they have told me they are free to report whatever they want and even though they acknowledge I am in good standing with XXXX XXXX, they will continue to report as they see fit until such time as the loan is paid in full. They are rude and have hung up on me multiple times. I have attempted to go through the credit bureaus with disputes but they have the same result. I am currently paying CreditRepair.com for their assistance in getting these incorrect reports removed, and am considering a Fair Credit Reporting Act lawsuit in the event that does not work because of the amount of problems this reporting inaccuracy causes. 

It has also prevented my daughter from consolidating her other loans for a more affordable payment because of the improperly reported payment status. I am sorry we ever got involved with a NJCLASS loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I contacted United Revenue due to a collection acount on my credit file. I called the hospital and several pertinent pieces of information was not accurate. I then sent United Revenue an Identity Theft Affadavit. This information contained my accurate information as you have to disclose it on the forms. After i mailed the forms i called United Revenue to discuss and the information such as date of birth and spelling of name on the hospital intake forms were different than the correct dates and spelling. Once United Revenue received my affadavit they changed their records to match my affadavit and after calling to confirm receipt they are now giving me the correct spellin correct date of birth and claiming they have verified the information and i owe this debt. I asked to speak to Supervisors and was told no one was available. when i asked them to verify the methods used to verify the debt i was taighnted about my inabilities to pay. I repeated time and time again that this is not my debt and this needs to be removeed for no other reason then this informmation was inaccurate and i never visited the hospital or doctore and never had any of the XXXX for the body part indicated. No company should be able to use the information on the affadavit to then change their records to match

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Capio Partners, LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
** I had to select the " debt is not mine '' option because an option is required although none of the available options truly define this situation I took my infant to the XXXX XXXX in the middle of the night on XXXX XXXX for an XXXX. I have medical insurance which covers all but {$150.00} copay. I provided my medical insurance and did pay my copay. The hospital and physicians bill separately. The hospital billed my insurance and was paid accordingly ( EOB verifying attached ). The physicians did not bill the insurance and billed me directly ( bill attached ). I assumed the bill was because it had not yet processed through insurance. When I received another bill in XXXX of XXXX I called and inquired and they stated that they did not have the insurance information. I provided all of the insurance information again and they assured me it would be taken care of. I never received another bill so assumed all was taken care of. 

A few weeks ago, in pulling my credit report, I noticed a collections company on the report. I called and inquired and found out it was this bill that was under collections. I never received any call or notice that this was going to collections nor that the debt was still outstanding. Immediately upon finding out about it I called the collections company who told me they could n't even provide me a copy of the bill and there was nothing they could do unless I wanted to pay the amount due. They advised it was past timely filing for insurance so they could not submit it. I called the provider office who told me the account was " sold '' to the collections company and they dont even have access to anything anymore. I was eventually able to retrieve a copy of the bill but she told me that she could no longer assist me with settling the account through insurance. 

I spoke with my insurance administrator and they contacted my health insurance company. I was told that the provider violated the insurance contract by not submitting to insurance timely and that I was not responsible for the debt. My companies insurance rep " XXXX '' called both the provider and the collections company but they have not been receptive and they will not even send the claim to insurance. 

The collections company has not been cooperative in the least and I have been blackmailed with my credit report for payment. I have never had collections or anything like this on my credit report. It is not my fault that the company did not submit to insurance when they obviously had the insurance information. When you visit the ER you only provide the information to one person which I did evidenced by the fact that the hospital filed a claim timely. In addition, I also called and provided the information a second time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX card closed my account on XX/XX/2020 because inactivity.This is not the case. The truth is XXXX card closed my account because of the covid-19 pandemic as well other peoples accounts.As soon as the covid-19 pandemic hit especially in michigan where i live, XXXX immediately closed my account.From reports i read and listening to the news, XXXX and other credit card companies decreased limits or if there was no balance, they closed the accounts.Because of this, my credit score has decreased and this account will show closed for many years hurting my credit and score.I have tried fixing this but im not getting anywhere.This must be looked into.Its not fair what they did

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 2022-02-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX 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 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX

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