BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
a computer glitch that was TransUnion 's problem - not mine - caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added.these inquiries added a hardship and that your rights were violated by TransUnion. Can CFPB help make TransUnion stop victimizing 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 2022-05-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX/XXXX  # XXXX XXXX, has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: PA
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts which was inaccurate that were showing in my credit file. The accounts I am questioning are not affiliated with me nor received any money, goods, or services. These accounts are unknown to me. I have doubts in their accuracy and the reported payment history. As required by FCRA 605B ( c ) ( 1 ) ( C ) you are required by law to remove accounts which is found to be opened due to identity theft. These negative accounts are as follows : XXXX XXXX Balance : {$5300.00} ; XXXX XXXX Balance : {$0.00} ; and XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX )  XXXX Balance : {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XX/XX/2018 amount {$69.00} company IC system XXXX. XXXX XXXX XXXX XXXX, MN 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 2018-12-01
Company: Experian Information Solutions Inc.
State: LA
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:
On several attempts I have contacted all 3 credit bureau about the inaccuracies on my credit file.. The accounts are not my account and are considered inaccurate information. With reporting this accounts is a violation of my rights and hurting and destroying my character and lively hood.

Theses are the accounts XXXX XXXX/XXXX 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 2015-12-15
Company: National Credit Systems,Inc.
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Previous landlord at a apartment complex trying to charge cleaning fees for an apartment that I vacated in XX/XX/XXXX. Landlord sent bill to a collection agency which is trying to contact me to collect charges. I am currently XXXX via military services at XXXX XXXX, XXXX and I have not received any proof of charges for my review in my present location as requested to collection agency 3 weeks ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: NAVY FEDERAL CREDIT UNION
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:
THIS COMPANY CHECKED MY CREDIT REPORT WITHOUT MY PERMISSION. THERE IS A STATEMENT ON MY CREDIT REPORTS THAT STATES TO CALL ME AND MY NUMBER IS LISTED FOR THEIR USE TO CALL ME, I DID NOT APPLY FOR ANY CREDIT FROM THESE COMPANIES. I AM A VICTIM OF IDENTITY THEFT. ALL THREE CREDIT BUREAUS KNOW THIS. THIS IS WHY THERE IS A FREEZE ON MY CREDIT REPORT. HOW THEY GOT INTO MY REPORTS I DON'T KNOW, MY CREDIT IS BEING CHECKED FOR SOMEONE ELSE. THIS IS IDENTITY THEFT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX/XXXX  # XXXX XXXX, has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We were in Bankruptcy and home loan with green tree! As, of XXXX XXXX United States bankruptcy court XXXX district Ohio XXXX division Judge XXXX XXXX XXXX sent copy of " Order granting trustees motion to determine final cure and payment of mortgage ( Doc. XXXX ) Served via regular mail : Green Tree Servicing LLC. XXXX XXXX XXXX XXXX XXXX, SD XXXX. 
On XXXX XXXX 2015 I was now to pay mortgage payment to Green tree since bankruptcy was over in the amount of {$1100.00}. I paid {$1100.00} on XXXX/XXXX/2015 n {$5.00} on XXXX/XXXX/2015. Payments received.XX/XX/XXXX I receive monthly billing statement for amount of {$5800.00} stating account severely delinquent stating no payments made for XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX and XXXX/XXXX/2015. The bankruptcy courts paid thru XXXX 2015 payment. The final cure shows paid in full. I paid XX/XX/XXXX payment they even thanked me on XX/XX/XXXX bill for amounts paid and I was holding XX/XX/XXXX bill in my hand and they printed it was not paid. Really seriously makes no since. We hired an Attorney to clear up this matter in XXXX 2015 he sent letter to Ditech whom took over Green tree with no response. On XXXX XXXX, 2015 and XXXX XXXX our Attorney sent more letters still no response. I have called written letters pleaded for someone to help us but to no avail has anyone been helpful. Our credit report shows we are delinquent 90 days or more to Ditech. XX/XX/XXXX monthly statement now shows no amount for current payment amount due. ' This is not a bill. This statement is for informational purposes only. Please pay bankruptcy trustee or Ditech. Omg!! Our billing statements now are being sent to our Attorney address which they wrote incorrect but he still receives them. What is going on with Ditech please help us resolve this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: ACCESS GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, a dubious debt collector, is making false statements claiming that I am not making direct payments on my student loan debt to the student loan company, XXXX. These statement ( s ) are adversely affecting my credit report. I have in fact continued to make monthly payments each and every month to XXXX without fail and furthermore XXXX has continued to receive and deposit these payments into their account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I let my ex Husband keep the house in our divorce. I had to sign over the deed to him so he could put the mortgage in his name only per the divorce agreement. He was able to do this and the mortgage went to OCWEN. Somehow they put the mortgage back into my name and the new note does not have my signature. I have asked numerous times for a copy of the mortgage agreement and they have not given me one because I do not live at that address anymore. I never signed anything authorizing them to increase my debt. Please help me in fixing this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a XXXX and XXXX mortgage with Ocwen. The ARM changed in XXXX. I c kept calling to find out the new rate, but was never told the amount would increase an additional {$410.00} which is an amount now applied to principal. My husband took a new job where we are paid on the XXXX. We have a SS check that hits on the XXXX of the month. 
I called Ocwen to have our second mortgage gate changed to the XXXX. of the month, but was told that, they could not change the due date of our XXXX mortgage ; I would have to get a new mortgage. 
Our XXXX mortgage has been late five months in a row. 
Late charges keep adding on. 
What recourse do I have? 
Ocwen refuses to help me by changing the due date to the XXXX on our XXXX mortgage, which is at almost 15 % interest rate and only {$22.00} is applied to principle. I got caught in the XXXX scam. Account # XXXX Please let me know if you can advise or help me. 
Many thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was transferred to Ocwen from GMAC XX/XX/XXXX. Prior to the transfer, GMAC removed our MI monthly amount. Once the loan transferred, Ocwen began charging FHA MI monthly again. I sent a letter requesting the removal of the MI. I received a response from Ocwen stating that the loan was not at XXXX % LTV and that until it was at XXXX % LTV it would be on the loan. They also stated that the automatic removal of the MI was scheduled for XXXX XXXX. The letter we received from Ocwen, in XX/XX/XXXX explained that the LTV was calculated by the higher of the XXXX either the Sales Price or the Appraisal Price. My Sale Price and appraisal amount was the same at {$77000.00} so the XXXX % LTV is {$60000.00}, which our loan hit that amount prior to the transfer in XX/XX/XXXX. Since the transfer I have requested the MI be removed again without resolution. Ocwen changed the way they calculated the LTV and says that the Loan did n't qualify as of XX/XX/XXXX and then although I called and sent letters twice in XX/XX/XXXX, they say they did n't receive letters yet they admit to speaking with me. The removal of the MI did n't happen until XX/XX/XXXX, when once again another letter was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company : XXXX  at XXXX Debt Collector : Hunter Warfield Date of debt : XX/XX/2022. 
Amount : {$680.00} Actions taken : have continously followed up with the debt collector to disbute the transaction. They have told me that their client has given them zero response. I have stated to Hunter Warfield multiple times to follow up with me via emai and i have records to prove that i have given them express permission to do so. I disputed the amount immediately. In bad faith, Hunter Warfield has decided to not communicate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: World Acceptance Corporation
State: GA
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 was shocked when I reviewed my credit report and found inaccurate items. 

Creditor : WORLD FINANCE CO ACCt # : XXXX I do not have a debt with World Finance Co and have tried repeatedly to get them to answer me to verify how they determined that this debt is mine. I have never had a debt with them and I am unable to get this item off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a loan with Tower Loan Company, due to a recent accident I have fallen behind however I am making the minimum payments, I just have n't caught up the past due. The company calls me repeatedly throughout the day. Sometimes XXXX or XXXX times daily. They also contact my family and friends as well as my place of employment to the same degree even though I have asked them to stop and I am making every attempt to pay the debt. They have threatened legal action as well as gone as far as to say if I do n't want to be embarrassed by their constant calls then I should try harder to get caught up. I have tried contacting them back, I am making my payments again but the calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had the account in question for years. My credit limit has gone up and I have made payments always ahead of time and always for more then the amount due. After years with Paypal credit card run by Synchrony Bank  on XX/XX/XXXX they closed my account. I had over {$3700.00} dollars in reward money that I had been accruing since I first opened the card. When I contacted the company they said there is no answer as to why my account was closed. I asked for it to be reopened and was denied. I then asked for my money to be sent to me and they said no. This was XXXX percent their way of not having to pay me. Kept saying to me that a letter was sent and when I got letter it made no sense.

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 2017-08-28
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are 3 late payments on my credit report from " delinquency ''. I was on an unemployment deferment until middle of XX/XX/XXXX. At that point I knew I would be starting my second XXXX in the upcoming XXXX but knew I just wanted to take one class which would n't make me eligible for deferment. Because of this I submitted requested to hold off payments, which would automatically go into deferment when I went to half time in spring semester. 

I contacted XXXX XXXX ( numbers, dates, and specifics are on attached letter ) and spent several hours going through the account with 2 reps and a supervisor. I was advised what to do to get this off my account, which was to show that I submitted a request, and then re-submit. I was ensured this would be handled and we 're almost a month later and nothing has been resolved. 

I work in finance and continually undergo intensive security screenings. I can not have these on my report. And frankly it 's in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: TN
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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-16
Company: Tormey Bewley Corporation
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Advantage Group , Inc. Is trying to collect a debt that was settled back in 2012. This Collection company bought a already paid debt and has violated my rights in several ways. They are as follows : I was never given the right to even question let alone settle this debt with the Advantage Group, INC. 
I was never contacted in writing or by telephone about owing this debt with the Advantage Group, INC. they are not the original vendor and were required to contact me directly in regards to this debt. This was never done by their agents after purchasing a false debt. 
I discovered the debt through credit monitoring not because of the advantage groups attempt to collect a debt through proper notification. This alone violated my rights. 
The Advantage Group contacted the credit reporting agency and put the debt on my report as owing. This was a direct violation of my consumer rights also. 
This debt was paid directly to XXXX XXXX for service they rendered to XXXX XXXX at On Call Doctor in the month of XXXX 2012 ( SEE XXXX card receipt ). 
Furthermore ; I had no responsibility to XXXX XXXX XXXX to pay any additional fees when visiting the on call doctor 's office. The Advantage Group, Inc. is also trying to charge an interest fee to a disputed fee of {$170.00} from the original billing from XXXX XXXX. In the months in their response to Consumer protection were the months that I did deal with XXXX XXXX in regards to their erroneous billing. The Dr. office was paid for any and all services at the same time of my visit. 

The collection of any debt needs to notify the accused debtor and that same debtor has the right to dispute it. I was never given that right with The Advantage Group XXXX XXXX. They have never sent me any proof of their attempt via U.S. Mail that I owed the XXXX XXXX debt.

Company response to consumer: Closed
Consumer complaint received 2016-06-20
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have been attempting a short sale for over a month and I still have a foreclosure sale date for XXXX XXXX, 2016

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
Company: EQUIFAX, INC.
State: TN
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 recently obtained a copy of my credit reports. In doing so I notice inaccurate account I have not authorize. I have attached a copy of my FTC report ( Reference number : XXXX ). Along with two Identifiers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hello, since XX/XX/2018 someone has used my name and charged me for {$690.00} on XXXX. I have never spent this amount on XXXX and the statement says that I applied for an XXXX card, which I have never done. I have just received the statement for this a couple days ago from the Midland Credit Management and I am not even aware of the address that is on the statement. The address that is under my name is XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX. This is not my address.

Company response to consumer: Closed with explanation