BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-28
Company: Healthcare Financial Services, LLC
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX/XXXX/2015, I ran a credit report with XXXX. My credit score was XXXX with no adverse accounts or collections. On XXXX/XXXX/2015, I started working with my husband on an erroneous collection that had been place on his credit report. During the course of our discoveries, we found out that this was a medical bill for me. We never received a medical bill. We never received a collection letter. We never received any written or verbal communications from anyone. While working with the collection agency and their client, the doctors to resolve errors they both had made on our address and our insurance company and the proper person to file the insurance claim, out of nowhere, a collection for the same account was place on my credit report on XXXX/XXXX/2015. The client, XXXX XXXX XXXX admitted that they made a gross error in the way they initially filed the claim. 

On XXXX/XXXX/2015 when I found out about the medical bill, I immediately contacted XXXX XXXX XXXX and furnished them with the correct insurance information. By XXXX/XXXX/2015, they were paid. 

This should never have been referred to a collection agency. XXXX XXXX XXXX filed their insurance claim incorrectly. XXXX XXXX XXXX had an incorrect address for me and therefore, I never received any communication from them about a medical bill. 

When I went in for an emergency service, I went to XXXX XXXX XXXX XXXX, all information with regard to contact information and proper insurance, XXXX, was furnished to them. They filed their claim and were paid in full promptly. I 'm sure the physicians were contracted through the hospital so I have no idea where they obtained their billing or insurance information in order to file a claim. I did not contract with XXXX XXXX XXXX. My entrance into the hospital was with XXXX XXXX XXXX XXXX. 

I never received a collection letter from XXXX XXXX XXXX. They used the same incorrect address that the Physicians used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX BANKRUPTCY Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2016-09-01
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am a first generation college student who hold a XXXX and XXXX XXXX XXXX which I owe nearly XXXX dollars for in private student loans. I make XXXX per month and pay American educations services XXXX $ and XXXX and XXXX XXXX another addition XXXX . This makes my student loans total well over XXXX per month which is half of what I earn. I have a child that I take care of and rent and living expenses to pay and because of my income I GET NO assistance for anything from the state or the government but after paying my student loans in at the poverty level and should technically qualify for some help. This is wrong American education services are the only lenders who REFUSE to work with me although I keep my account current by any means necessary, even paying my student loans before paying rent or getting food. I 'm literally struggling to survive because I made the decision to go to college and try to become better. My parents made to much money for me to get financial aid but did n't make enough to pay my tuition at school. this is a sad world when going to college can ruin your life like it has done mine, I just wanted to become better and give myself a change, I never realized that by taking a loan from American education services I would be giving up the rest of my life and making my sons quality of life worse than mine growing up because I owe so much student loan debt, I need some help I have literally begged American education services for any option to lower my payment and they just say they cant. why is this happening in America, why can banks and automotive companies get bailed out but a single XXXX woman try into to make it ca n't get any help with these XXXX dollar banks. this is unfair and I would trade my college degrees any day for a piece of mind of not having to worry about money because in paying all my monthly earning to lenders and the sad part is, it 's not even making a dent in what I owe because of my interest., so I will be broke forever only to keep a high balance on my student loans,. I ca n't buy a house or a new car or any of the things we picture in the American dream after you attend college. This is criminal I this is why people take their own life over debt. Who would choose to live like this and barely survive after working 40 hours a week only to pay on a huge debt that 's not going anywhere? I understand I have to pay back my debt but its ridicules how American education services wo n't work with people to make the payments reasonable. I do n't know anyone who has an extra XXXX per month to pay and still live. Please help me, please get American education services to work with borrowers and not lead them into situations like my own to where you are so desperate you have to sacrifice meals and taking care of yourself because you must pay a greedy lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
When with GMAC as our mortgage provider, we were contacted by XXXX XXXX ( affiliated with OCWEN ) to refinance our loan at a lower rate. When the loan information was presented to us, Freedom/OCWEN neglected to include our school taxes ( currently school taxes make up XXXX of our XXXX ). OCWEN has now come back, 1 year later, indicating that their Escrow projections were off and that we owe over {$5000.00} in taxes. Upon review, OCWEN admitted that the school taxes were mistakenly not included in the loan refinance documentation. The majority of the monthly reduction in the cost of the new loan was based on XXXX/OCWEN NOT including the school taxes as a part of Escrow, and this reduction was what they used to push us to move forward with the refinance. They have admitted the mistake. But thus far, we have not been compensated for their deceit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: VA
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX BANKRUPTCY Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
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  Account XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

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 2022-04-19
Company: Early Warning Services, LLC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received an email from an individual XXXX XXXX on XX/XX/22. She was asking if she could order product from me as I am a XXXX XXXX. She sent me her order and then asked for my Zelle Account. I received an email from Zelle stating that she needed to send another {$200.00} so that I could upgrade to a business account. ( The original amount she said she tried to send was for {$300.00} ( the wrong amount to begin with ). I contacted my bank immediately to find out why I would be asked to upgrade. The bank said it was a scam. XXXX also sent me a phone number XXXX and her email address : XXXX. The email from Zelle came from : Zelle pay XXXX. My bank said it was a scam and I should delete all contact information from them. I wanted to send to you before I deleted. I continue to receive text messages asking me to email zelle and upgrade. 

Here is a copy of what I received : You only have to Enroll to a Business Zelle Account to receive {$300.00} from XXXX ENROLL TO RECEIVE Important notice : this payment has been withheld and filtered by our agents for further verification and has also been declared PENDING because we noticed the status of your Zelle account has been limited and hence not a business account so we cant initiate the transfer but we want you to contact the sender of the payment to send in an additional payment of {$200.00} to your Zelle so it can be upgraded and changed to a business account then the sum of {$500.00} will likewise be credited into your account effectively once the additional payment has been secured back to the sender. 

Note : XXXX has also been emailed regarding the HOLD on the transaction, your account upgrade because this transaction will be monitored by our withholding agents and also insured with a HARDCOVER INSURANCE POLICY You will receive a CONFIRMATION EMAIL or TEXT from our Zelle team informing you that the funds have been credited into your account. 

Terms and conditions apply Zelle is a fast, safe & easy way to send money to and receive money from friends, family and others you trust. 

For more information, please visit https : //www.zellepay.com Zelle Logo

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I recently decided to let my granddaughter buy my car. She paid it off through the finance company on XXXX/XXXX/15. It has been over a month and we still have n't received the lien termination letter or the title for the car. 
We have repeatedly contacted the company to let them know that we have n't received the information and they have just mailed it out. It was, supposedly, mailed out to us XXXX times, but we have yet to receive any of that information. 
I have XXXX of my granddaughters listed on my account as the preferred contact, as she understands all of this more than I do, and they refuse to speak with her. They do demand that they speak with me, when it is listed on my account to have her take care of everything. They are always rude when we talk to them and all of us involved with this are completely frustrated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-19
Company: 1st Franklin Financial Corporation
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The collector calls every other day, and sometimes daily! They show up at my house and leave bots send me letters, etc. I have spoken with them and let them know I am currently in a financial situation and I will try to do the best I can! They have threatened with suet and threatened to have wages garnishes from my check I told them that I was going to make a payment but I ca n't go a day with out them calling or showing up at my house at random times and when I do make a payment they harass me in the office if I make a partial payment they decline it and say it must be a full payment before they will except

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In XXXX 2010, I transferred my consolidated federal loans to FedLoan Servicing so that I could be a part of the Public Service Loan Forgiveness ( PSLF ) program. This program says that when you make 120 on-time qualifying payments while working full-time at a qualifying public service job for 120 months, your loans can be forgiven. 

When I transferred my consolidated Federal loans over to be a part of PSLF, I remained on an Extended Standard Repayment Plan ( 25 years ). I had a phone conversation with a FedLoan Servicing customer service representative to confirm I was doing everything correctly so that I would qualify at the end of my 120 payments. I was told that all I needed to do was submit paperwork from my employer to prove my service throughout the 120 months. That is what I remember and took away from the conversation. After years of making repayments, I have come to realize I have been on the wrong repayment plan. I should have been on the Income-Based Repayments Plan. I think that FedLoan Servicing did a really poor job at communicating this and made those terms very unclear. Also, I was paying more on the Extended Standard Repayment Plan ( {$350.00} ) than I would have on the Income Based Repayment Plan ( {$200.00} ). I would like those years of service and loan payments to count toward my loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
On XXXX XXXX, 2008 the credit market for my MBS contracts/contracted was restricted to the wider credit market by this unknown alleged finance entity on record on my real property credit contract after " Tender '' under Federal law was offered to the unknown party removing them from contract with/for TILA rescission 15 U.S.C. 1635. I have been discriminated against based on my MBS contract to a wider market. This unknown party had to be removed them self 's so Tender could be offered. 
Tender was Offered if the procedures were followed. As such you do not get a House. Tender was offered you have no legal standing after Tender was offered by Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX, my wife and I bought a house together. XXXX, we were separated and the mortgage was refinanced into her name only. Between XXXX and XXXX, I had no mortgage reporting on my credit files as I did not own a house. In XXXX, Ocwen Loan Servicing suddenly began reporting a 120 day late XXXX mortgage and a 120 day late XXXX mortgage. I have made countless calls to Ocwen only to be transferred to a call center with someone trying to collect on these loans. I have sent over XXXX letters to Ocwen requesting validation of these accounts ( knowing that they are not mine ). Ocwen refuses to comply with my requests. I have submitted numerous disputes with XXXX, XXXX and XXXX XXXX with no success.

Company response to consumer: Closed
Consumer complaint received 2016-09-02
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
When my student loan was transferred from XXXX to Fedloan Servicing in 2012, Fedloan refused to honor a year 's worth of payments I made toward public service loan forgiveness because XXXX had me on an incorrect repayment plan. Yet, XXXX acknowledged their error in writing and agreed to count my payments prior to transferring the loan. XXXX also informed me that my qualifying payments should have been accepted upon transfer. Still Fedloan refuses to accept them. 
I have sent Fedloan the letter from XXXX XXXX, but they refuse to acknowledge the payments. In addition, I have contacted the Department of Education Ombudsman 's Office with the same outcome. 
How is this legal? XXXX admitted they made a mistake, agreed to honor my payments IN WRITING ( in fact, they were even honoring more than I expected ... I really only expected them to honor my {$500.00} payments and not forebearance payments, which they also honored as qualifying payments ), and yet Fedloan refuses to allow the payments to count. 
I have been told there are about XXXX of us that this happened to - put on wrong plan by XXXX, who admitted mistake and agreed to accept wrong plan payments, only to have Fedloan deny them upon loan transfer. You can find others with similar stories on the internet, such as the following site where I once posted : XXXX I am attaching all correspondence with XXXX XXXX and Fedloan Servicing ( in order from earliest to most recent ). I also have recordings of conversations with Direct Loans stating all payments should have been transferred and accepted by Fedloan Servicing. 
Your assistance would be greatly appreciated. Without help, Fedloan will succeed in denying me over {$5000.00} in payments that XXXX XXXX accepted. Not to mention, Fedloan is denying an additional {$370.00} payment because they claim I paid it too early. Seriously? And there are countless others like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax has never in 6 and half years identified to me who verifies the information that XXXX XXXX is reporting. The statement from Equifax is the information has been verified and it is belongs to you. Who is verifying this? Surely it is not XXXX XXXX, I have court documents proving this account is no longer valid. Additionally, Equifax states no additional information has been received and closes the dispute. This is unbelievable, I know it is disgusting and deplorable but is n't this a failure by the Consumer Finance Protection Agency to stop this type problem for consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Oklahoma Motor Credit Company
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I purchased a vehicle back in XXXX with Oklahoma Motor Credit Company. I took the vehicle back to the lot in XXXX and voluntarily surrendered it. after that it was listed on my credit report as account paid in full/charged off. I never received any communication from them by mail nor phone afterwards. All of a sudden in XXXX I get a letter from my employer that they have gone to court and received a judgement for garnishment not only for the XXXX or so dollars that I owed on the vehicle when I returned it, but the judgment is for XXXX. I call them the day I received the letter from my employer, and I was told that they sent letter by mail that were returned to them and the address she gave me I have not lived at for over 4 years. My current job I have been on for about 2 years. They found my job with no problem, but could not find my current address. I feel like they really did not try to locate me nor my residence to notify me. I really believe they acted in a deceptive manner by purposefully not contacting me in order to get a rediculously high judgement and ultimately garnish my pay check for an absurd amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: Credit Karma, LLC
State: NH
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
this case number was told by your office to me on the phone to go thru FTC. I did that but called FTC today and they told me this should be handled by your office. My complaint number with your office is XXXX and the complaint # with FTC is XXXX. This was a complaint to say : CREDITKARMA that reports what they say they get from the XXXX credit reporting agencies of XXXX and XXXX is NOT correct. XXXX DOES NOT have one of the collections that is showing in CREDITKARMA which brings my report number down with them. What I see is an error reporting from Credit Karma. I contacted them and told me they get their information from XXXX. I called XXXX and they do not show this collection on my report. So XXXX will NOT do anything because it is not on my report and Credit Karma will not remove it unless XXXX tells them to do so. THIS IS RIDICULOUS. I want this off my credit report with CREDITKARMA which is on my collection section of the report with XXXX XXXX XXXX. This does n't even show an amount because it is an account that was filed in BANKRUPTCY. This should say closed or not even show in my collections as they have it on my credit report for XXXX on Credit Karma. This was discharged and these people never showed to the creditors meeting if they wanted their funds. This is no longer my responsibility and should be removed. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2012 Open I should NOT be the one to be running around to get my report corrected with XXXX and Credit Karma because neither one is doing anything. This is XXXX and has been going since way before XX/XX/XXXX and I am not having XXXX because of this frustation. Please have someone correct this immediately. Thanks.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation