BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX I intend the dispute this account : XXXX : {$3700.00} Account # : XXXX I reached out XXXX XXXX XXXX College as well as the conserve collection institution for sending an invoice for {$3700.00} several months after dropping the college courses. I did not receive the college education and dropped the courses. 
No invoice or payment notification was mailed to my address Prior to sending to collections. 
If the above accounts can not be verified, they must be removed immediately according FCRA section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company. 
Please validate that this debt belongs to me, and please also show me the original contract agreement. I would also like to know the verification methods on the possible account as well.

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 2022-09-05
Company: CREDIT ACCEPTANCE CORPORATION
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 status incorrect

Complaint:
Credit Accepance reports account as an open since XX/XX/XXXX. Before then it was reported as an collections account from XX/XX/XXXX to XX/XX/XXXX. It has been over 5 years since the last payment. I believe this account should have stayed in the collections status.

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 monetary relief
Consumer complaint received 2022-04-11
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, Caliber and I signed a XXXX Payment Deferral Agreement. I have followed the agreement 100 % and make all the payments a required. 
Caliber keeps misplacing my payments and have asked for more money than the agreement requires, and still after 6 months, they have not brought my account current. 
I spoke to XXXX XXXX and open a case against Caliber.

I wanted to refinance my mortgage when rates were around 3.5 %, but was not possible, because my mortgage is still under collection and the requirement is that I have to have XXXX payments done on time. I have made XXXX payments on time plus at least an additional payment to cover a payment they could not find. 
My regular payment starting XX/XX/XXXX was {$2600.00}, but Caliber keeps changing the monthly payment. 
I can provide the payment history, so that you can see, it is all over the place. 
Thanks for the help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: Financial Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX sold a XXXX year old debt to Asset Recover Associates, Inc in XXXX, IL. now they called me and say they want to collect. The first representative said a court order was already filed in XXXX XXXX under an attorney named XXXX XXXX and that I had missed my court hearing back in XXXX of XXXX. I told him they needed to serve me court papers, he said it was public notice and I do n't have to be served, then I asked him his name and he quickly transferred me to another person. The next person would not give me her name either. but she said this was not filed in court yet and I needed to pay them {$11000.00}. As soon as I told her this was almost XXXXyears old she hung up on me. I tried calling them back asking for an address for the company and the woman on the phone refused to give their business address. I pulled my credit report and they are on it that is how I was able to obtain their address and phone number. How can they have a right to be on my credit report? I resolved this issue back in XXXX, but that company still sold my information to another company. I went through the shooting at XXXX XXXX XXXX and my XXXX has slowly been settling down when this call comes in. Again I am not sleeping, I am afraid to go out doors. Thank you for this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: VA
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 in the filing of this complaint and this complaint has not been made.

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 in the filing of this complaint and this complaint has not been made.

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 2022-09-05
Company: EQUIFAX, INC.
State: VA
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 in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: ASSOCIATED BANC-CORP
State: WI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX, I was undergoing a traumatic divorce after which, I was left with a house and property that was in foreclosure and outstanding back property taxes. At that time, there was also a death in my family. I told the bank that had my mortgage, that I needed to live in my house and that I fully intended to keep it. I asked for a loan modification. It was a long process because each time I called my bank to get information or status on my modification, they often sent me to numerous departments or took days to call me back. My understanding was that a loan modification was something that banks offered to help alleviate stress and make one 's monthly payments more manageable. They offered only XXXX modification and if I wanted to stay in my house on my property, I was told I had to take their offer, so I signed it under duress. I obtained a quit claim deed from my county to remove my ex-husband from my mortgage. The bank refused to honor it. Further, they did not decrease the interest rate on my mortgage and I am paying interest at an astounding 7.25 %! It 's now XX/XX/XXXX and I 'm STILL having to meet these high monthly payments! Despite me making timely monthly payments ( I set up automatic monthly withdrawals ) at this ungodly rate, I have discovered that my credit rating shows that this bank reported I was behind on my payments since the modification! 
I do not want to refinance with this bank and have sought other banks. However, another bank advised me that I should file a complaint against my bank because when the new institution tried to get information, my mortgage company gave them the run around as well. I was told by other banks that the fees tacked on to my modification ( {$45000.00} due at the end of my loan ), was outrageous. When I asked my mortgage company for refinance information, they sent me a " Uniform Borrower 's Assistance Form '' -for foreclosure! It was as if they had no clue about my loan, that I am up to date with my payments and property taxes, and that I wanted to refinance!! There was also an unresolved question as to why my mortgage company did not use a federal loan and instead used their own in-house loan. Consequently, the bank that I want to refinance with, wo n't offer my refinance until there is resolution with my mortgage company. I DO NOT WANT TO REFINANCE WITH MY ORIGINAL MORTGAGE COMPANY. Another bank believed they could make my monthly payments at least {$500.00} cheaper, per month, than my original modification payments. Every month I am with my original mortgage company, I feel I am losing a minimum of {$500.00} per month. This is outrageous and my mortgage company continues to drag their feet, give me the run around, and give me questionable or incomplete answers. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Ocwen Financial Corporation
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: Account status incorrect

Complaint:
My mortgage payment was due on XX/XX/2016, to Ocwen Loan Servicing LLC. Ocwen has designated XXXX XXXX XXXX as a means to make payments directly from Ocwen 's website. XXXX or Ocwen charges a {$10.00} fee which Ocwen collects. On XX/XX/2016, I went to the Ocwen website, clicked the tab to make a payment, and XXXX XXXX XXXX popped up and I made the pay due. I was given an email confirmation of the amount paid, the {$10.00} fee charged and that it would be posted on that day XX/XX/2016. I have this email. Aparantly, the payment did not post that day, despite the email confirmation stating it would be posted the day of payment. Ocwen then reported me as 30 days late to all three major credit bureaus and refuses to take any corrective action. Perhaps Ocwen should not be telling customers that the payment posts the same day as payment is made through it's XXXX XXXX link. I believe this should be removed from my credit report, but Ocwen won't budge.

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 2016-12-15
Company: FORD MOTOR CREDIT CO.
State: WI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
My XXXX XXXX XXXX is under lease with Ford Motor Credit Company ( FMCC ). The lease ended in XXXX XXXX, but I have been working on buying out the lease. FMCC has been calling me and leaving messages for an account resolution. This I get and understand because they 're trying to protect their property. 

I 've not answered FMCC 's calls or communicated with them because I was laid off from my employer in XXXX XXXX. I 've been in an extremely active job search, but I have n't received any offers yet from interviews. It 'd been my hope that I 'd secure a job prior to performing a lease buyout on the vehicle. 

My complaint is this : On XXXX/XXXX/XXXX FMCC contacted my sister and brother attempting to skip trace my information. This is perfectly within the company 's right to do so. My sister and brother both verified the information FMCC had on file was correct. What is outside of FMCC 's legal right to do so was to : 1 ) Advise my sister and brother my lease was past term. 
2 ) Advise that FMCC would take legal action. 

FMCC has no legal right to discuss, release or make known my private financial matters ... even to my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Regarding Equifax. 

1. On Sunday, XX/XX/XXXX, I signed onto the Equifax website to remove a freeze on my account in preparation to apply for a mortgage with XXXX XXXX XXXX XXXX. 
2. According to the Equifax website, I successfully removed the freeze from my account. 
3. Today ( Monday, XX/XX/XXXX ) at approx. XXXX A.M. I received a message from XXXX XXXX XXXX XXXX indicating that they could not obtain my Equifax credit report due to a freeze on my account. 
4. I signed onto the Equifax website and the website indicated that that my account was " not frozen ''. 
5. I responded to XXXX XXXX XXXX XXXX indicating that my account was " not frozen ''. 
6. Today ( XXXX, XX/XX/XXXX ) at approx. XXXX P.M. I received another message from XXXX XXXX XXXX XXXX stating that they " had just phoned Equifax and Equifax stated that my account was still frozen and XXXX XXXX XXXX XXXX could not obtain an updated report ''. 
7. I again signed onto the Equifax website which stated that my account was " not frozen ''. I obtained a screen print which I then sent to XXXX XXXX XXXX XXXX. 
8. I then called Equifax and went through their " automatic phone system ''. The system is so unfriendly to the user. For example, the consumer can not answer a question until listening to the entirety of the recording. The choices offered to the consumer do not cover all conditions and so the consumer is forced to guess on what options to select. One of my question stated " for the above account ... '' I was on the phone so what account were they referencing? Clearly Equifax does not mind wasting the consumer 's time.

9. After being on hold for 40 minutes, I was finally connected to an agent who was clearly not a " native English speaker ''. The connection was so poor and I could hear all kinds of background noises. I am XXXX XXXX XXXX and while my hearing is normal there are plenty of people with XXXX  XXXX and who would not have been able to understand the agent due to his accent and the background noises. 
10. The agent stated that he removed the freeze from my account. Since I had removed the freeze from my account the previous day, how am I to trust his action?

11. The agent then stated there was a fraud alert on my account and that I am to be called when anyone accessed my account. I had not received any call from Equifax today nor had I received a call from Equifax in XX/XX/XXXX when a credit report was pulled. How am I to trust Equifax 's fraud alert? 
12. According to the Equifax agent, XXXX XXXX XXXX XXXX must now wait another XXXX hours to access my credit report. 
13. As a final insult, I waited on the phone for a survey to communicate my experience with Equifax. No survey was ever offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$440.00} XXXX XXXX XXXXXXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$1900.00} XXXX XXXX XXXXXXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$600.00} XXXX XXXX XXXXXXXX  XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} XXXX XXXX XXXXXXXX  XXXX Opened XXXX XXXX, XXXX Balance {$1900.00} XXXX XXXX XXXXXXXX  XXXX Opened XXXX XXXX, XXXX Balance {$3600.00} XXXX XXXX XXXXXXXX  XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$8.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$44000.00}

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 non-monetary relief
Consumer complaint received 2016-04-09
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated and unwanted calls. False debt. Calls from XXXX numbers ( XXXX ) XXXX & ( XXXX ) XXXX. They are based in XXXX XXXX listed under EGS Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase Bank ( personal account ) allowed the TX Attorney General to freeze my bank account where the only income is my VA XXXX check ( can not be apportioned asper 31 CFR part 212 final ruling XX/XX/2013. I have no other means to support myself or my family. Chase is fully aware the money is coming from the VA, yet they still choose not to follow the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 XXXX is reporting on a debt that I do not owe! This debt has been paid and it needs to be fixed on my credit.

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 2022-04-11
Company: LEXISNEXIS
State: IL
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:
After sending information to verify myself with my disputes, LexisNexis has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX Balance : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: First Federal Credit Control, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted First Federal Credit Control of XXXX XXXX in Ohio on XX/XX/2021 to pay off two debts. After completing payment over the phone via credit card, I received an email confirming deletion of accounts was requested. I waited after some credit bureaus still reported the account after 45 days ( one was deleted, one wasn't ) and contacted FFCC via email for them to honor the letters ( both dated XX/XX/2021 ). In addition I disputed the account as it still showed on my credit report. On XX/XX/2021 I received a response from XXXX that the account information will remain. I retained my bank statement from XXXX and the letter from FFCC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-04-11
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As I checked my credit profile I noticed a company trying to collect a debt that I have no knowledge of I have never signed a contract with them electronically nor verbally

Company response to consumer: Closed with explanation