BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Dear XXXX, This letter is a formal complaint that you are reporting inaccurate credit information. The account is closed and paid in full. It has been over 7 years since the account was open. Therefore, I am asking for you to remove this item immediately. 
In the month of XX/XX/XXXX, it was reported that I was 60 days late on my XXXX account. This was reported to all 3 credit bureaus. 
With proof I am attaching documentation that I enrolled in school at XXXX ( XXXX ) XX/XX/XXXX -XX/XX/XXXX and my account should have been in -school deferment. When you are enrolled in school at least half-time you are able to request an in-school deferment. However, I did have to drop with my international travels. Furthermore, I did n't receive any written communications about this matter because I was out of country from XX/XX/XXXX to XX/XX/XXXX for work. Upon returning to the country I spoke with several customer service representatives who stated that they would remove the late payments since my account should have been in forbearance ( Please see page 2 ) from XX/XX/XXXX and XX/XX/XXXX. In addition, I was enrolled in XXXX during this time. 
Therefore my account was in forbearance and payments were not due at this time. However, I have called XXXX and emailed numerous times to get this matter resolved. I was assured that it was resolved until I received a copy of my credit report. Unfortunately, this matter has not been resolved. I am sure you will agree it needs to be removed ASAP. The following information therefore needs to be verified and deleted from the report as soon as possible : XXXX XXXX ... 
Sincerely,

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 2016-07-01
Company: Oracle Financial Group LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
This probably falls under numerous categories. The copied message below is a transcript from my voicemail system of the voicemail he left me yesterday. 

" Just wan na call a wan na (? ) call only is for XXXX XXXX XXXX (? ) birthday XX/XX/XXXX. XXXX XXXX (? ) XXXX and XXXX. My name is XXXX XXXX. I work for the attorney 's offices of Oracle Group fraud litigation apartment and we do work for XXXX XXXX County Court. So you have some very very serious allegations on my desk unless you call us all-this (? ) is by noon Pacific standard Time today Wednesday XXXX XXXX you 're gon na have to retain attorney XXXX XXXX. You also gon na be served papers to the XXXX XXXX County Sheriff 's Department at your place of employment just as simple sir and I 'm pretty sure your employers will not be happy and per federal law sorry I 'm not allowed to leave you any other information. I really was n't he was supposed to give you a call sir but at the pool (? ) at the present moment you have no type of record on your social security number that I can see how this is XXXX XXXX. You call XXXX XXXX immediately sir. I just maybe I get rid of these allegations. My direct line sir XXXX XXXX. You need to reference citation number for the State of California one call me. Citation number XXXX. That 's XXXX. You have been notified sir. "

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-05
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My chief complaint is Pentagon Federal Credit Union is in breach of contract for changing their policy on the criteria for removing Private Mortgage Insurance ( PMI ) that was explicitly agreed to at the time of closing on the loan. The Credit Union is changing the terms of the agreement for removing PMI in its favor now that I am finally eligible to remove PMI. 

At closing Pentagon Federal Credit Union provided a document titled ( enclosed ) : " WHAT YOU NEED TO KNOW ABOUT OUR SERVICING OF YOUR MORTGAGE '' In this document, the following policy was stipulated for removing PMI : " PRIVATE MORTGAGE INSURANCE Private Mortgage Insurance ( PMI ) protects PenFed against the risk of loss should a mortgage loan default. PMI is required when the outstanding principal balance of the loan is greater than 80 % of the value of the property securing the loan. The homeowners Protection Act XXXX requires PenFed to provide certain disclosures and notices. The PMI Act requires PenFed to Automatically terminate PMI when the loan to value is scheduled to reach 78 % of the property 's original value, as long as the loan is current. The PMI Act also allows you the option to request PMI be cancelled when the loan value reaches 80 % provided you have a good payment history and the property value has not declined. PMI can also be cancelled after XXXX month if the loan to value reaches 80 % of the " current value. '' In order to cancel PMI based on " current value '' a new appraisal is required. The expense of the appraisal is the borrower 's responsibility. '' ADDITIONAL FACTS : On XXXX XXXX, XXXX, I purchased my primary residence with PenFed as the lender ( enclosed ). 

On XXXX XXXX, XXXX, I sent an email to Pentagon Federal Credit Union to request an appraisal on my primary residence for the purposes of removing PMI from my exiting mortgage ( enclosed ). 

On XXXX XXXX, XXXX, the Pen Fed representative sent a reply email, indicating a 75 % loan to value was required to remove PMI instead of the 80 % agreed to at the time of closing ( enclosed ). 

My Primary Residence : Original Value = {$270000.00} ( enclosed ) Appraised Value on XXXX/XXXX/XXXX = {$330000.00} ( enclosed ) PenFed was the original lender. No refinances were done. A conventional loan was used. This was not a higher risk of default loan. I never received a new Policy from PendFed regarding changes to removing PMI.

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 2018-05-28
Company: Experian Information Solutions Inc.
State: AR
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 was alerted by XXXX XXXX that a collection account was added to my credit report in XX/XX/XXXX. I called the collection company XXXX XXXX XXXX XXXX and asked what this collection ant was for at which time I was noticed it was for an after hour emergency visit on XX/XX/XXXX A YEAR AGO. I asked why I was never contacted and her response was I called one time in XX/XX/XXXX but did not leave a message. I asked if there had been any other attempts to notify me I had a balance due and she replied no. I asked if it was legal to just add a delinquent account to someones credit report without FIRST attempting to contact them to even let them know there was an outstanding balance as I have never received a single notice once stating I had a balance due. I have Medicaid insurance and do not have a deductible for an office visit or ER visit which this was just an office visit at XXXX XXXX After Hours Clinic in XXXX. The credit report has zero information as to when the charge was made, when I was seen, what the service was or if I had made a pmt or anything. It simply stated opened XX/XX/XXXX Reported XX/XX/XXXX {$260.00} Medical Past Due Collection Account OPEN STATUS which lowered my credit score and I had never been contacted my the health clinic or the collection company whom received my account in XX/XX/XXXX and just reported to the credit reporting companies without any attempt to notify my or to let me pay or investigate the charge as my ins should have paid it in full.

I then contacted the Original Clinic and they said they sent me one letter and it was returned stating moved but that was it. There was never a phone call made to me or my emergency contact and my Medicaid ins just never got filed as it should have and now she said it was too late for her to go back and file it since its over a year. I confirmed she had my correct ins info and she did however the billing Dept dropped the ball, I was never notified or given a chance to pay it and now it is reporting as an OPEN Collection Account for something I dont owe. Are there laws that state I have to be notified or that protect me if the billing department waited to long to bill my ins and now they wont pay it as that is all out of my control?

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 2016-02-04
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I have tried to talk to Debt collectors and get this resolved for the past 3 years with no luck. They are not willing to discuss or negotiate with me about the debt in question. I do not feel that I owe anything because the company who placed the debt broke our contract first by their actions in maintaining a safe environment for the tenants. I have also disputed this account with all the credit agencies again with no luck. This collection is ruining my chances or renting a house as well as purchase a home. I need help

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : Experian : XXXX XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$430.00} XXXX : XXXX XXXX XXXX XXXX Balance Owed : {$430.00}

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 2017-02-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian has performed an investigation by adding names instead of admitting their report is inaccurate, the social security administration in 2005, after realizing that they assigned XXXX likewise named individuals with the same social security number redesigned my name, instead what Experian has done, is make me subjected to multiple reporting of items and creditors which are n't mine, to include a host of public records, knowning on the basis of name identification is n't mine, but instead of admitting error, they add the name which does n't even verify to my social security number, and then state they investigated the item, and verified its mine, knowningly that that statement is false, and they have added a name to my credit report to support their statement. This is the eighth time that this error has been corrected, and they continue to perform in the same manner as previously.

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 2017-01-25
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The original collection agency XXXX XXXX XXXX , XXXX has been reporting this collection on my XXXX credit reports ( XXXX, XXXX, and XXXX ) since XXXX. The reported original creditor is XXXX XXXX ; I have never had an account with XXXX. The original collection agency has assigned this debt to several other collection agencies ( XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX, and Resurgent Capital Services XXXX ) over the years to attempt to collect this debt. I have requested debt validation from XXXX, got no response from one CA ( XXXX ), and the last CA ( Resurgent ) has yet to send me competent evidence to prove I owe this debt to them. 

I first disputed this collection with XXXX and XXXX in XXXX XXXX as reporting inaccurately as OPEN and the results came back with nothing changed and it continues to report as OPEN on my XXXX and XXXX reports but reports as CLOSED on my XXXX report. 

On XXXX/XXXX/XXXX, I sent my first debt validation request letter directly to the source, XXXX. The letter was re-routed and delivered to an address in XXXX, SC on XXXX/XXXX/XXXX ; which I now know is the address to Resurgent. After over 35 days and no response from either XXXX or Resurgent, I sent a letter to both XXXX and XXXX ( with a copy of my letter sent to XXXX ) to remove this collection as the CA has not provided proof of validation. Then on XXXX/XXXX/XXXX, I received a letter from Resurgent with attachments ( an account summary report and a quick bill summary with my name on it ) which does not properly validate a debt. 
I, in turn, sent a second debt validation letter to Resurgent on XXXX/XXXX/XXXX demanding they send me competent evidence of debt validation within 30 days of receipt of my letter or have the original CA remove all references of the account from all XXXX credit reports. It has been over 30 days and I have not received a response from them. 
I am fed up with these collection agencies taking advantage of consumers and having the ability to add negative information to our credit reports without just cause. 
I am at my wits end and do n't know what else to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: National Credit Systems,Inc.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Upon vacating a previous apartment complex the landlord had claimed damages to their carpet which we immediately disputed. The apartment complex did not provide an itemized list of damages as requested by tenant and within the 30 days as required per the lease and Massachusetts state law. 

National Credit Systems, who had then become the debt collector contacted us in regards to the disputed debt. We immediately told them the debt was in dispute. They claimed they would verify the debt and get back to us. Shortly after National Credit Systems stated the debt was valid and provided proof of the damaged carpet with a photo copy of a pay stub of the former tenant. 

A pay stub to prove that the tenant was in debt in regards to damaged carpet? 

This sequence of events is in violation of 15 U.S.C.1601 Fair Debt Collections Practice Act. This by far does not come close to validation of debt even after requesting validation by the accused debt holder.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: CASHCALL, INC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
In Texas, took a {$10000.00} loan with XXXX XXXX. I have paid at this time $ XXXX and still showing a balance of XXXX. I understand that you have filed against them and other consumers no longer have to pay these. The interest rate supposedly was 89 % on this loan. I believe Texas has a cap? Can someone identify this for me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XXXX/XXXX/16, I contacted a financial services company to request a personal loan. We processed the application and I was issued a disbursement check for {$3.00}, XXXX ; after which I deposited into my checking account. I recontacted the company within two business dates ( XXXX ), stating my intentions to cancel the loan and return the proceeds, citing a high percentage rate and my general feeling the repayment length was too excessice. I spoke with the Branch manager who assured me I could cancel the loan as long as I returned the entire amount initially advanced. Upon my arrival at the office, I delivered a cashiers ' check in the above mentioned figure and I was given a receipt. Upon closer examination of the receipt. I noted the Manager had posted the check towards the principle of the loan, rather than voiding the entire contract. I was informed since I no longer had the original check, my receipt was sufficient. I further add since I had a active account balance of {$1800.00}, prior to this new loan, the application paid off the existing loan and I was set up to make payments for four years, all totaling to over {$9000.00} plus. Since I returned the cashier 's ' check, the balance owing was now {$6000.00} plus. Once I voiced my dissatisfaction with their accounting tactics, I was reassured this figure would fall off with coming days. On XXXX, I opened mail at my home from this lender, and was horrified to see I was still listed as having a debt of {$6000.00} ; which I had specifically asked to cancel. I believed I was within my rights to negate the loan, since five business had not elapsed once I returned the cashiers ' check. Immediately I contacted the office and was told repeatedly, the manager would contact me via phone, which never materialized. After the XXXX holiday, I contacted the office and was reassured the loan app would be nullified, yet this has n't happened. Each time I try to impose my right for cancellation, I am told the {$6000.00} sum is being maintained for paper control, and I am only liable for the {$1800.00}. plus which remained on a prior balance. I contacted the headquarters of this company and verbalized my frustration and wrath in being forced to take a loan which I had clearly voided. Supposedly, the headquarters will investigate this matter within seven to fourteen days. Additionally, my duplicate set of the loan application was confiscated by the manager, so I do n't have actual documentation to contest their procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX XXXX XXXXXXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which 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.

A copy of my Bank statement, drivers license, and W2 for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking this account is inadvertently resulting in me being extorted.

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 2016-10-28
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I want to inform CFPB, that I have sent Debt validation and proof of claim letters pursuant to my private rights of action under FDCPA and FTC to CIT Bank and Onewest Bank Mortgage Servicing on several accessions. As of today, CITB has not validated, verified much less provide proof of claim according to law, FDCPA and FTC. 

In ADDITION I want to report that there was three Assignments recorded on my property XXXX XXXX XXXX, XXXX, CA XXXX that I just recently found out. 

The First Assignment of Deed of Trust recorded on XXXX/XXXX/XXXX at XXXX XXXX XXXX Recorders Office, executed by XXXX XXXX XXXX, as Vice President for Indymac Bank, XXXX The Second Corporate Assignment of Deed of Trust recorded on XXXX/XXXX/XXXX executed by XXXX XXXX, as Attorney-in-Fact for FDIC as receiver for Indymac XXXX, XXXX The Third assignment of Deed of Trust, recorded on XXXX/XXXX/XXXX and executed by XXXX XXXX XXXX, as Attorney-in-Fact for Indymac XXXX XXXX, XXXX. 

As it is well known, XXXX XXXX XXXX is an infamous robosinger. All you need to do is XXXX and enter her name to find out that she signed thousand of instruments and documents that facilitated the initiation of illegally foreclosing on properties without legal and lawful authority to do so for over a dozen different entities and with titles as Vice-President to Attorney-in-Fact etc. 

As you can see, I 'm very concerned as these assignments ' were recorded several years after the alleged loan was originated and is proof that there is broken chain of title. 

In CIT response letter, CIT claims that CITB is the INVESTOR of the loan. I never contracted or singed any agreements with CITB. 

In conclusion, I want for CITB bank as a DEBT COLLECTOR to respond to my debt validation and proof of claim demand according to the law, FDCPA, FTC and once and for all validate, verify, and provide proof of claim with someone with personal knowledge and authorize to do so under penalty of perjury. These are my private rights of actions and demand that these entities identify themselves under the law. 

sincerely, XXXX XXXX XXXX Please see the Exhibits attached to all these allegations

Company response to consumer: Closed with explanation