BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: DC
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:
The following company did not had permission or authorization to request a copy of my credit report. XXXX XXXX - XXXX XXXX. I demand the deletion of this inquiry from my Equifax report, it is unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletion. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Pendrick Capital Partners Holding, LLC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX INSTRUCTED PENDRICK CAPITAL TO CLOSE ANY AND ALL DEBTS ASSOCIATED WITH MY SOCIAL SECURITY NUMBER AS THEY WERE NOT MY BILLS BUT A TYPO BY AN ADMISSIONS CLERK WHEN ADMITTING A PATIENT. MY SOCIAL AND THE PATIENT 'S ARE DIFFERENT BY ONE NUMBER. THE HOSPITAL HAS A COPY OF HER ID WITH HER SOCIAL ON FILE HOWEVER THE TYPO 'D SOCIAL ( MINE ) IS THE NUMBER ASSOCIATED WITH THE DEBT. PENDRICK CAPITAL HAS PURCHASED XXXX OF HER BILLS AND PASSED THEM ON TO OTHER COLLECTION AGENCIES. THEY ARE NOW REFUSING TO DISCUSS THE ACCOUNTS WITH ME EVEN THOUGH IT IS MY SOCIAL SECURITY NUMBER AND AFFECTING MY CREDIT. THEY HAVE BEEN INSTRUCTED TO CLOSE ALL DEBTS WITH MY SOCIAL SECURITY NUMBER. THEY HAVE ONLY CLOSED XXXX OF THE XXXX AND ARE NOW REQUIRING ME TO HAVE THE HOSPITAL CONTACT THEM AGAIN!!! THEY ALSO WILL NOT TELL ME THE NAMES OF THE AGENCIES THEY HAVE PASSED THE DEBTS ON TO SO THAT I CAN CONTACT THEM AND HAVE THE ACCOUNTS CLOSED WITH THEM SO THEY DO NOT REPORT IT TO MY CREDIT.

Company response to consumer: Closed
Consumer complaint received 2022-11-13
Company: GAMACHE & MYERS, PC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 my original creditor XXXX XXXX XXXX agreed to accept {$1500.00} as a full settlement amount on account ending in XXXX which had been placed with XXXX XXXX XXXX XXXX and had a balance of {$4300.00} at that time. My obligation to XXXX XXXX XXXX XXXX was completed in full. 

It seems that this debt which was settled in full was sold, maybe more than once, to another creditor who is now attempting to collect the remainder. 

The XXXX Card was issued by XXXXXXXX XXXX XXXX XXXX, related to, or my account may have been sold to, XXXXXXXX XXXX XXXX, then it seems to have been sold to XXXX XXXX XXXX, then put in the hands of XXXX XXXX XXXX, and now represented by the law office of Gamache & Myers. 

I attempted to dispute this debt online through XXXX XXXX which I would not recommend as a platform for dispute resolutions. 

I've also mailed hard copies of the documents to Gamache & Myers law firm. 

Correspondence with XXXX XXXX XXXX XXXX was originally conducted by my wife XXXX on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: UNITED MORTGAGE CORP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The United Mortgage Company contact me in XXXX 2016 and I was told by a gentleman by the name of XXXX that they can lower my mortgage payments by {$100.00} per month. At this time I owned my house for almost one year and thought I could use the extra money each month. The incentives were I would not have to pay the new mortgage for 2 months, lowered monthly payments and no closing costs except I would have to pay the loan officer, title company and other incidentals in the amount of {$2100.00}. The closing took place on XXXX XXXX and come to find out they neglected to pay my XXXX taxes for {$3800.00} which have accumulated to over {$4100.00} with late fees and finance charges. When I brought this to the attention of my loan officer XXXX XXXX XXXX he was looking into it but has n't gotten back to me even though I called everyday for a week. I believe they did the wrong thing by me and they need to pay the taxes that were due when they were my mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My student loan was serviced by XXXX. They sold my loan to Navient during the same time I changed student loan service to XXXX XXXX on an income based payment plan. I am being double charged for my student loan. Navient has me in deferment while owing them the same amount as XXXX. I need Navient to leave me alone. I do n't owe them anything because XXXX paid XXXX for my loan already. I only need to pay XXXX XXXX. Please help me not double pay my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I went ahead and checked my credit report. On the Experian website I noticed some discrepancies on my report and continued to dispute the debt accounts I had on my credit report. Now because I had done it before I was very familiar with the process, from the time I have submitted, creditors that reported to experian have 30 days to come up with actual proof of my debt in XXXX and white. 

Not even XXXX weeks had passed I went and checked the status of my credit and low and behold all the. Disputes had been rejected. Now how is that possible XXXX they have to come up with the actual proof of debt, I believe I have to be CC? 

Now every single dispute was rejected and if those creditors came up with hard evidence of my debt, can I take a look, its my credit. Im not just gon na take someones word for it. Also I would like to probably get a second and third opinion, like the other XXXX credit bureaus. 

So very serious issue here with my credit, its my financial life which in turn is my life. Last time I disputed I had won all my disputes and raised my credit score significantly. 

So Its either I have some stuff cleared up or consult an attorney and also contact other reporters and get second and third and etc. Opinions.

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 2021-09-30
Company: USCB, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a letter from USCB America about a debt that is not owed. The Doctor charged me twice for the same bill and my insurance paid the bill. They are still trying to say I owe it, but I was charged twice when I only aw this quack once.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home was purchased XXXX XXXX XXXX for {$140000.00} the mortgage was sold several times with BofA being the final owner of the loan. There was a XXXX mortgage taken out with Countrywide of {$39000.00} when BofA purchased the loan from Countrywide the mortgage went from {$140000.00} to {$200000.00} my thought was the XXXX was included in the transfer to BofA. I have since been served with intent to foreclosure from a company called XXXX XXXX XXXX who claims to have the deed for the XXXX from Countrywide in the amount of {$21000.00}. I have contacted BofA several times on this issue before I received the foreclosure documents from XXXX XXXX. No one can give me any answers on how my mortgage went from {$140000.00} to {$200000.00}! The auction sale of my home is to be XXXX/XXXX/XXXX I have had to hire an attorney to try to stop this foreclosure and to date I have not heard from BofA. I have not missed payments with BofA mortgage my account is current.

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 2016-12-17
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
For two months now I have not been unable to access my M & T bank accounts online. I rely on online banking to pay my bills. I have made XXXX separate phone calls over the past two months regarding this issue. Every phone call they tried to reset my account and nothing worked. I still get a message after I log in that says, " online banking is temporarily unavailable. We are working to resolve the service as soon as possible ''. No one has been able to help me and each time I have called I was told that they have to put my name on a list and a supervisor will get back to me the next day. That never happened! I have now been delinquent on my bills for almost two months. A couple of them I was able to pay directly. I just saw on a my mortgage lender account that the bill that I paid using my checkbook was rejected for some reason and I have been charged XXXX late fees!!! The representatives that I spoke with each acknowledged that it was a problem on M & T 's end but yet they have n't it in two months. I have n't even received a phone call. 

I went to a free standing M & T Bank and they told me that they could not help with online issues. Today is now my fourth phone call to M & T bank. I asked to speak to a supervisor and I was put on hold for approximately 56 minutes now. I am still on hold as I am typing this complaint. I ca n't believe that they would treat their customers this way. In the past I have waited no more than 2 minutes for my call to be answered. 

I need this issue resolved as soon as possible. I have never had a late payment to a payee. Now I have a bunch of late fees and counting. My credit is becoming affected by this. Please advise!!

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 2016-08-02
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX, 2016, I initiated an online Moneygram transfer of {$1000.00} for my son. In the past 2 months I have been sending him transfers with just his first and last name on the Moneygram and he has been able to pick up the money. I live in XXXX XXXX and my son attempted to pick up the money at a Moneygram location in XXXX XXXX on XXXX XXXX. He went to at least XXXX Moneygram locations but was told he could not pick up the money because his ID did n't match. The Agent said that the Moneygram was missing his middle initial so he could not pick it up and the the policy recently changed to require the middle initial. BUT the online form says that the middle initial is optional and today it still says the middle initial is optional. On XXXX XXXX I cancelled the transaction and received a confirmation email that acknowledged the cancellation. From the date of cancellation it 's supposed to take 3 to 10 business days to receive the refunded money. I called Moneygram XX/XX/XXXX, the 10th business day because I received an email on XX/XX/XXXX saying that my transaction was cancelled on XX/XX/XXXX. I called and spoke to a supervisor named XXXX who looked into the transaction and confirmed that the cancellation date was not XX/XX/XXXX as the Moneygram email said, but XX/XX/XXXX. In the email I received yesterday, it says that I have to wait 3-10 days from XX/XX/XXXX to receive the refund. This is a deceptive practice. Now it can be up to 20 business days, or a month before I get my refund. I am complaining about the deceptive practice of requiring a middle initial - the online form does n't require it - for pick up. I am complaining about their refund process. The Customer Service agents are argumentative and do not take the time to research the issue or provide me with a proper email response. I called and emailed and my issue still has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I could n't find another appropriate option. The debt was not paid ; the debt is/was not owed. XXXX overcharges for data services and I had only XXXX cellular phone account with only XXXX cellular phone but they would claim that my bill exceeded $ 300 monthly, which is outrageous. They falsely advertise an unlimited data plan. I was at my wit ' send and disputed the validity of the purported enormous balance. I canceled my service and they retained my deposit of {$400.00}. They have yet to properly handle my bill disputes. In fact, they have willfully ignored my correspondence disputing the purported balance. Today I received notification that they have reported a debt owed of {$780.00} to the credit bureaus which is a direct violation of the Fair Credit Reporting Act. The bill is at best under dispute for overcharging with XXXX directly. To report it as a valid debt that has not been under claims is effectually premature. I have no negative collection accounts and their report to the credit bureaus has resulted in denial of credit today. I demand that they are enjoined to immediately remove the reported collection account from all XXXX bureaus and correct the excessively high bill. They have been found liable for unfair business practice of overcharging for data and this is exactly what they are doing to me. 

I only had XXXX account, XXXX phone, and the phone was NOT on an installment plan. I owe no balance for the XXXX XXXX, and I owe no balance for the cellular account. If they were to process my innumerable billing claims and correct the bill, a XXXX balance account will be the result, especially considered that they remain in possession of the {$400.00} I deposited with them to start service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Financial has barred me from paying by check or ACH since I transposed my account number by error. After months of successfully paying online the mortgage company has increased the cost to me of serving my loan while they make XXXX of dollars off of it. It 's unethical and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
In accordance with Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX has violated my rights.

15 USC 1681 602 A states I have the right to privacy.

15 USC 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written 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 non-monetary relief
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: NY
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:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022, with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..

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 2021-07-28
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was notified by the XXXX  of Equifax response to my complaint regarding their FCRA violation regarding refusing to remove Bankruptcy that is unable to be properly verified. They continue to state they verify through third party. However, I have uploaded and sent them letters from the Courthouse and Pacer stating that neither report to third parties or to the credit bureaus. Each entity also stated they do not verify the information. 
Therefore, if neither entity verified the supposed bankruptcy and neither report supposed bankruptcy to third parties or to credit bureaus Equifax is in direct violation of FCRA and my consumer rights. I have subsequently filed an FTC report against Equifax regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I am XXXX XXXX. My husband, XXXX XXXX, died XXXX. He had taken out a mortgage with Ocwen Loan Servicing. The note is insured & should have been paid off upon his death. Ocwen refuse to pay off the loan & requires that I continue to pay it or they will foreclose. They said the insurance is for their protection. I have to pay this mortgage although I did not sign or authorize the mortgage. 
Ocwen was notified of the death of the borrower ( XXXX XXXX ), and a death certificate sent to them, yet they refuse to use the insurance to pay off the mortgage. Ocwen, consistently states that they can not communicate with me because I am not authorized on the loan ; yet, they continue to require monthly payments, or they will foreclose on the property. Ocwen should return all of the money that I have paid after the death of XXXX XXXX, for the past 2 1/2 years ; with interest. Ocwen is being paid double. Ocwen states that I I am not authorized on this loan, yet they continue to send & request payments each month & will not/have not used the mortgage insurance to pay off XXXX XXXX 's loan. This is not a good practice and it 's causing me great financial hardship and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Maximus Education, LLC dba Aidvantage
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:
Every month the Department of Education sends out that I am deliquent ( behind ) on payments for my student loan. They have done this the ENTIRE pandemic. Also, I have a credit repair company that fights it every month, gets it off my report only for it to return like clockwork the next month. 

This is fraudulent and hindering my credit. That is a violation of my rights and my credit. 

Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: JPMORGAN CHASE & CO.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX, XXXX, I leased a XXXX XXXX  through XXXX XXXX XXXX /JP Chase. In XXXX of this year, I moved from XXXX, XXXX to XXXX, XXXX. To get XXXX  license plates, I need an XXXX  title. However, XXXX  does not issue titles when there is a loan on the car. XXXX   provides a work-around with form that I fill out and the Clerk of the Courts in XXXX County XXXX  fills out and then they send it to XXXX XXXX XXXX/ JP Chase to be signed and notarized. They send it to the XXXX  Titles and Registration Bureau. XXXX XXXX XXXX could either fax it to the above mentioned Bureau or to the XXXX  Department of Revenue. XXXX   Clerk of Courts in XXXX County XXXX has faxed this completed form twice to XXXX XXXX XXXX at fax numbers supplied me by them ( XX/XX/XXXX and XX/XX/XXXX and received receipts that the faxes were received. ) However as of this date of XX/XX/XXXX, XXXX XXXX XXXX/ JP Chase has not signed and notarized the form and sent it to the XXXX   Titles and Registration Bureau . So, I am still unable to purchase XXXX  license plates. As a reference, XXXX XXXX filled out the form, sent it to XXXX  who then made a title and sent it to XXXX  in less than 5 days on another car I own and they financed. Efforts to follow up with XXXX XXXX XXXX have been to no avail. They say they did not receive the form we sent them twice or that it is " in process. '' At this point, there is nothing I can do since they will not cooperate with the XXXX   process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Someone broke into my car a few months ago and now I am seeing request for my credit that I did not do. I have attached a copy of my identity theft report 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 explanation