BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX  XXXX XX/XX/2015 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2022-07-26
Company: Experian Information Solutions Inc.
State: GA
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 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my wriiten instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good morning. 
I was not seen here. 
Please provide proof. : )

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 2022-07-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage was sold and I received a notice XX/XX/2022 that I should be making payments to Select Portfolio Servicing. I sent them the payment for XX/XX/XXXX, XXXX since XXXX they have been harrasing me for past due payment. I sent them numerous correspondence showing payments but they are insisting that I did not make XXXX payment. I contacted the previous mortgage comany and was told that the loan was sold and I am only responsible for making XXXX payment as my first payment. I also had made XXXXXXXX XXXX payment to the previous company. I have been sent late statements since XXXX and continouly receive late fees posted on my account. To date, I have paid XXXX since the loan was transfered

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Dear Freedom Mortgage ; Office of President XXXX XXXX ; I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX ; and XXXX & XX/XX/XXXX late when I was hospitalized with XXXX. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, being XXXX  with COVID, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get 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 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$0.00} XXXX XXXX {$300.00} XXXX XXXX {$12000.00}

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 2022-01-24
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX I tested positive for XXXX. I was placed on administrative leave from our office and didnt work. Ive been out of work since then. When I returned to work on XXXX XXXX I was told that my position with the company was limited and cut back and was laid off that day. Ive since called and spoken to Loan Me which ( XXXX ) XXXX account managers and they wont place any payment on the backend of my loan or offer any payment assistance since I havent been able to work since XXXX. The last supervisor I spoke to XXXX advised me that I would have to fall behind 30 days before any assistance can be given. This is going to negatively impact my employment since I am a licensed loan officer. I need Help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Consumer Adjustment Company Incorporated
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:
This account does NOT belong to me. It was recently added to my credit report. I disputed and requested documentation which I have not received.

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: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Equifax via direct mail several times to verify the information reported. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to many accounts with different payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Equifax has not been able to verify any of the information reported, they are now simply saying that they have completed investigation but I haven't received anything in regards to the concerns addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I pay for credit report access from  XXXX . They reported my score as  XXXX . I requested a loan and they reported an experian score of  XXXX . My bank offers free credit score information. It said my  XXXX   XXXX  score was  XXXX , Equifax  XXXX . Why the significant variations in my score? Why are the scores I paid for inflated or the scores reported to lenders undervalued? I feel like its intentional to offer me terms that would cost me more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Io, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Receivables Management Systems ( RMS ) have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, RMS should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my wet signature, showing that I have a legally binding contractual obligation to pay RMS the alleged amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: AXOS FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was transferred from XXXX XXXX to Axos Bank effective XX/XX/XXXX. I have always paid every mortgage payment on time, and I made the final payment to XXXXXXXX XXXX  on XX/XX/XXXX. However, despite numerous attempts to rectify the problem, Axos Bank still has not posted the XX/XX/XXXX payment to my account. Axos Bank continues to send me statements claiming my account is past due, when it is not. I have tried calling Axos Bank, but they leave me on hold forever. I sent an email to XXXX  on XX/XX/XXXX, but got no response. Then I sent a Qualified Written Request letter to the proper Axos Bank address on XX/XX/XXXX, but have received no response. Both times I attached documents proving that I made the XX/XX/XXXX payment ( same documents I am attaching here ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
These loans were taken out under coercion from my ex-husband. The only way to keep peace was to take out these loans. I was against taking these loans out. This is a case of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: GOLDMAN SACHS BANK USA
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: Their investigation did not fix an error on your report

Complaint:
I have credit cards on my report that were not opened up by me, I did a ftc complaint my reference number for the FTC report : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have credit cards on my report that were not opened up by me, I did a ftc complaint my reference number for the FTC report : 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 2020-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I purchased at item off XXXX seller " frauded '' me and sent me a " XXXX man '' in an envelope figure instead of what I really ordered. Credit card credited my account, and then said months later added the charge back on, because they said i should have returned the " fraud item ''. No one told me to return a XXXX  figure to XXXX, and now they are charging me again for a product that was never really sent 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 2015-04-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We modified our Home Equity Line with Chase in XXXX XXXX. They advised us on a number of occasions that we are in default. We feel Chase has been harassing us. On XXXX XXXX, XXXX, they sent us a letter saying that they are attempting to collect a debt. Worse, they over billed us on the monthly amortization beyond the fixed rate of 2 % for 5 years. Records show that we are current in our mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is about SETERUS Mortgage Servicing Company based at XXXX XXXX XXXX XXXX, XXXX, and XXXX, OR XXXX. 
They took over my mortgage servicing in XXXX 2015, before I even got an invitation/introductory letter informing me about that they already served me with a bill demanding payment, while my old servicing company collected payment already from my account ( which was eventually returned ). 
And from then on it 's never ending harassment. I am bombarded with letters asking for all kinds of building insurances/policies, things I have never been asked for during 27 years I have been living here and owning the coop. Letters treating to buy insurance FOR THE BUILDING ON MY BEHALF! 
On one occasion they suggested that if insurance policies are not received they will buy some {$8000.00} property insurance and I will be charged for that PREMIUM. Another letter was sent to me stating that I will be charged premium of {$1400.00} for some other insurance policy. It 's just never ending game. 
I have called multiple times and explained that I have in all 27 years none of the banks or previous mortgage servicing companies asked me for any insurance policies. 
I have given SETERUS building management telephone number, fax number and Managers name so they can obtain all and any insurance policies they need, but they never contacted them. 
I had building management call SETERUS asking what it that they exactly need is, but STERUS refused to talk to them and said that they will not discuss it with third party. That THIRD PARTY owns this property/ residential building and that third party has insurance brokers that handle all insurance policies, but they would not talk to them. Every few weeks I would get another letter asking for another insurance policy, or stating that that policy expired and they will charge me for the one they will buy on my behalf. 
They had a nerve to charge me with {$1400.00} escrow balance added to my mortgage statement! 
Only when I called asking what 's that for and why they did it, they stated that it was just removed! 
They basically do whatever they want and play with my mortgage. 
I am appalled by it and can not believe this is permissible. 
Please note that I do own personal insurance of the coop, what they asking is BUILDING related insurance policies. 
Kindly please look into it. 
Thank youXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Western Portfolio Assets
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:
They called my ex husband telling then they are looking for me to serve a summons to appear in court on a debt for XXXX. He gave me a number to call XXXX..I called and a man answered legal department XXXX XXXX. Have him the file number XXXX ... .he told me I had a debt with XXXX XXXX XXXX and they there were going to summons me to court unless I want to settle out of court for the amount XXXX with a down payment of XXXX ... not knowing what to do I agreed to the settlement..I have done some research along with checking my credit report and there is n't anything on the XXXX nor XXXX. I called them this morning to have them send me a copy of the debt info that they have and the same guy XXXX said I would have to go to court in order to get a copy. They will be attempting to take money from my account on XXXX XXXX for a portion of the agreed down payment towrds the settlement. I will be calling my account to make sure no funds will be removed. I am beginning to believe this is a scam. The go by the name western portfolio assets/XXXX..I have many complaints online in regards to this so called company.

Company response to consumer: Closed
Consumer complaint received 2020-08-04
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
i had leased a XXXX XXXX XXXX on XX/XX/XXXX and made regular payments till losing my job/XXXX in XX/XX/XXXX as result of covid. when i called them they said no problem abt making payments in future. XX/XX/XXXX, without proper notice they repossessed the car and again with proper notice sold it on XX/XX/XXXX. now they are asking me to pay towing charges, diff between the sale price and amount due ( which i can't afford ) i need your assistance as i can't afford a regular attorney in this matter. 
i would appreciate if this would not effect my credit in a negative way .they took major advantage of me while leasing this vehicle back in XXXX. i complained to the General Manager the day after i picked up the vehicle but he kept ignoring my calls for days. after the assistant general manager finally called me back, he said he'd reviewed the deal and that i had gotten a great deal. i traded in my XXXX  worth atleast {$9000.00} as down payment and had been paying every month on time before i had to close my XXXX ( covid ) and couldn't afford the car payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am just an authorized user on my ex-husband 's credit card. They will not remove me, and they will not change the email address on the account so I can continue to get emails about this credit card that I 'm not responsible for. Which makes no sense because I have no vested interest in making the payments, so they need to change it to his email

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: TN
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:
According to 15 U.S.C 1681a Definitions ; rules of construction XXXX XXXX XXXX and XXXX XXXX XXXX is in violation of my rights. 15 U.S.C 1681a states that for an account to be furnished on my consumer report the furnisher must disclose to me that an account may be furnished on my consumer report and I must be given the opportunity to direct whether such information can be furnished. XXXX XXXX XXXX and XXXX XXXX XXXX has NOT given me the opportunity to direct such information, furthermore XXXX XXXX XXXX has not followed the correct eviction procedure on several occasions. XXXX XXXX Apts failed to provide me with an eviction notice or quit and leave notice, they also failed to completely XXXX me as only half of my belongings were moved to the curb from the third floor, the sheriff officer and movers stole small items as they allowed me to get a moving unit as a result my family and myself were XXXX after being told that coporate and the front office would be of assistance with adjusting rent payments due to going the entire winter with no heating unit and also large holes in the cabinets. As a landlord they are required to provide suitable living environments for their tenants to be in compliance with federal laws.

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